Topping up your Xendit balance is how you add funds for payouts and other money-out transactions. It's important to know that top-ups are not for receiving payments from your customers.
How to top up
On your Dashboard, go to Balance
Click Top Up
Select your preferred top-up method
Follow the on-screen instructions to complete the top-up
Always follow the top-up instructions carefully to prevent delays. Once you've made a transfer, you can check its status by going to Dashboard → Balance History and filtering by Top Up. Only successful top-ups will appear here, and you'll receive a confirmation email when the funds are credited.
Top-up methods
Below is a table with detailed information on each country's specific top-up methods, including processing times and any unique instructions.
Currency | Top-Up Method(s) | Processing Time | Notes |
|---|---|---|---|
IDR | Virtual Account (VA) | Instant (same-bank) | Not supported for LLG/RTGS networks. Find your VA on the Dashboard. |
PHP | UBP Bills Payment (Recommended) | ≤ 5 min, 24/7 | Select "XENDIT BALANCE TOP-UP" as the biller. |
Bank Transfer + Upload | Varies by method (5 min - 3-5 business days) | Processed weekdays 9:00 - 18:00 GMT+8. | |
MYR | Bank Transfer + Upload | Processed weekdays 9:00 - 18:00 GMT+8 | After-hours requests are processed by 12:00 the next business day. |
THB | Bank Transfer + Upload | Processed weekdays 9:00 - 16:30 GMT+7 | Confirmation email is sent on credit. |
VND | Bank Transfer + Upload | ≤ 500M VND: Instant | |
USD to your balance currency | SWIFT Bank Transfer + Upload | Processed weekdays, 9am-4:30pm GMT+8 |
Topping up with foreign currency
If you need to add funds to your Xendit account from a foreign currency account, you have two main options.
Option 1: Foreign Currency Top-Up (USD to Local Balance)
This method is for funding your local balance directly from a USD account. With this option, you get to approve the exchange rate before the money is converted.
How it works:
Send a USD wire transfer to the designated Xendit bank account for your region
Email help@xendit.co with your proof of transfer, the USD amount, and your business name
Our team will send you a real-time exchange rate quote via email or WhatsApp. You must approve this quote within 24 hours.
Once approved, the funds will be converted and credited to your local balance
Option 2: Cross-Border Top-Up to an IDR Balance
This method is used when you want to top up your IDR balance from a foreign currency account. You have two ways to do this:
Method | How to transfer | Foreign exchange & settlement |
|---|---|---|
Auto-converted | Send foreign currency to your dedicated IDR Top-up Virtual Account | The foreign exchange rate is determined by the bank and the funds are automatically converted and credited. |
Manual Foreign Exchange | Send a USD wire transfer to the BNI USD account. | Email help@xendit.co to lock in a specific exchange rate before the funds are converted. |