Limits and Processing Times
Disbursement Limits
| Bank | Minimum Amount (IDR) | Maximum Amount (IDR) |
|---|---|---|
| BCA, Mandiri, BNI, BNI Syariah, BRI, Permata | 1 | No limit** |
| CIMB, Sinarmas | 1,000 | No limit** |
| Gopay, OVO, Dana, Linkaja, Shopeepay | 10,000 | 10,000,000 |
| Other banks | 10,000 | 100,000,000*** |
**While there is theoretically no maximum transfer limit for transfers to these banks, please note that we may have to report all transaction amounts above Rp 100.000.000 to the financial authorities in Indonesia along with supporting documentation regarding the underlying transactions.
*** Batch Disbursement supports unlimited amount transfer to all banks via SKN/RTGS. Transactions below IDR 10,000 or above IDR 100,000,000 (to banks other than BCA, BNI, BRI, Mandiri, and Permata) which are approved after 1pm (UTC+7) will be disbursed on the next business date.
| Virtual Account | Minimum Amount (IDR) | Maximum Amount (IDR) |
|---|---|---|
| BRI VA, BNI VA | 1 | Unlimited |
| Permata VA | 10,000 | 25,000,000 |
| Mandiri VA, CIMB VA, BTN VA, NOBU VA | 10,000 | 100,000,000 |
| BCA VA | Not supported | Not supported |
| Wallet | Account Type | Maximum Amount (IDR) |
|---|---|---|
| Gopay | Unverified | 1,000,000 |
| Gopay | Verified | 10,000,000 |
| OVO | OVO Club | 2,000,000 |
| OVO | OVO Premier | 10,000,000 |
| DANA | Unverified | 2,000,000 |
| DANA | Premium | 10,000,000 |
| LinkAja | Basic Service | 2,000,000 |
| LinkAja | Full Service | 10,000,000 |
| Shopeepay | Unverified | 2,000,000 |
| Shopeepay | Verified | 10,000,000 |
For disbursements into an e-wallet, please note that each e-wallet imposes a limit on the amount of balance a user can hold in their wallet. In the event that a disbursement will bring a user’s balance above the prescribed maximum balance, the transfer will fail.
Processing Time
All disbursements are processed instantly. Once you create a disbursement successfully, the disbursement amount will move from your cash balance to your ‘pending’ balance. When the disbursement is successfully executed, we will send you a callback with status = COMPLETED and the disbursement amount will be deducted from your ‘pending’ balance.
When will My Money Arrive?
The time of arrival of funds depends on the banks’ processing time. After we send out the money, the money may need to be processed by various parties, including our bank, the switching networks, and the recipient’s bank. The arrival time may be affected by the banks’ operational hours -- some banks have downtime overnight or over weekends.
See below for an estimate of the time of arrival of funds, based on the transfer amount and time of the request.
| Destination Bank | Amount (IDR) | Request Timestamp (UTC+7) | ETA |
|---|---|---|---|
| BCA | <10,000 or >100,000,000 | 07:00 - 20:00 | 15 minutes |
| BCA | <10,000 or >100,000,000 | 20:00 - 07:00 | After 7am |
| BCA | ≥10,000 or ≤100,000,000 | 05:00 - 23:00 | 15 minutes |
| BCA | ≥10,000 or ≤100,000,000 | 23:00 - 05:00 | After 5am |
| BRI, Mandiri, BNI, BNI Syariah, Permata | All | 01:00 - 23:00 | 15 minutes |
| BRI, Mandiri, BNI, BNI Syariah, Permata | All | 23:00 -01:00 | After 5am |
| Other banks and e-wallets | ≤100,000,000 | 05:00 - 23:00 | 15 minutes |
| Other banks and e-wallets | 100,000,000 | 23:00 - 05:00 | After 5am |
The majority of transfers will be completed in this time, but please be aware of the below reasons for a possible delay:
- We can only move your money during normal banking hours. Things may take a little longer due to scheduled, or unexpected, bank downtimes.
- Sometimes the switching network or recipient bank's internal processing can also delay the transfer.
If you feel that your transfer is taking unusually long, please get in touch with our support team.
Bank Downtimes
All banks in Indonesia have regular downtimes, which vary across different banks. We optimize for the time by routing each disbursement to the quickest available method at the time. If a bank is down for an extended period of time, Xendit will reroute disbursements through other banks.
If we receive a disbursement request during scheduled bank downtimes (usually occurs between 11pm - 5am UTC+7), our systems continuously retry the disbursement request by pinging the banks until the bank is up again, ensuring that your disbursement will be executed as soon as possible.