Limits & Processing Times

Processing Time

Most disbursements are processed instantly. While some are subject to a cut-off. 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 or SUCCEEDED and the disbursement amount will be deducted from your ‘pending’ balance.

Indonesia

Disbursement Limits

Channel NameMinimum Amount (IDR)Maximum Amount (IDR)
BCA Mandiri BNI BRI Permata1No limit**
CIMB, Sinarmas10,000No limit**
Sahabat Sampoerna11,000,000,000
Gopay10,00020,000,000
LinkAja10,00010,000,000
OVO DANA ShoppeePay120,000,000
Bank Bisnis Internasional Deutsche Bank Bank Dinar Indonesia Prima Master Bank Bank of India Indonesia Bank Fama International Bank Rabobank International Indonesia Bank SBI Indonesia Bank Victoria Syariah 10,000100,000,000***
Other Banks5,000250,000,000***

** 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 250.000.000 to the financial authorities in Indonesia along with supporting documentation regarding the underlying transaction when required. This does not mean that the disbursement will not succeed.

** Batch Disbursement supports unlimited amount transfer to all banks via SKN/RTGS. Transactions below IDR 10,000 or above IDR 250,000,000 (to banks other than BCA, BNI, BRI, Mandiri, and Permata) which are approved after 2pm (UTC+7) will be disbursed on the next business date.

*** Please contact us at help@xendit.co in case your business needs to send above amount (to banks other than BCA, BNI, BRI, Mandiri, and Permata).

Virtual AccountMinimum Amount (IDR)Maximum Amount (IDR)
BRI VA, BNI VA, Mandiri VA1Unlimited
Permata VA10,00025,000,000
CIMB VA, BTN VA, NOBU VA10,000100,000,000
BCA VANot supportedNot supported
E-WalletAccount TypeMaximum Amount (IDR)
GopayUnverified2,000,000
GopayVerified20,000,000
OVOOVO Club2,000,000
OVOOVO Premier20,000,000
DANAUnverified2,000,000
DANAPremium20,000,000
LinkAjaBasic Service2,000,000
LinkAjaFull Service10,000,000
ShopeepayUnverified2,000,000
ShopeepayVerified20,000,000

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.

Bank Account Length Limit

The number of digits in a bank account number for each of the banks in Indonesia varies according to the bank. The following is the guideline of bank account length for the top banks in Indonesia.

Bank CodeAccount Number Length
BCA10 Digits
BRI*13-17 Digits
BNI7-11 Digits
MANDIRI*12-17 Digits
PERMATA*7-16 Digits

*Note: The number of digits may include the length for Virtual Accounts.

Notes for BRI : Please make sure to add an extra 0 prefix in the case of a bank accounts with 14 digits. This is not applicable to VA accounts. (eg. 012345678901234)

E-wallet Account Length Limit

E-wallet accounts in Indonesia are based on Indonesian mobile numbers. While mobile numbers are usually written to include the country code, when mobile numbers are used as e-wallet account numbers, it is more common to use the format that contains 11 digits and where the prefix starts with zero (0). Example: 0XXXYYYZZZZ

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 BankAmount (IDR)Request Timestamp (UTC+7)ETA / Processing Time
BCAAll05:00 - 21:5915 minutes
BCAAll22:00 - 04:59After 5am
MandiriAll04:00 - 22:5915 minutes
MandiriAll23:00 - 03:59After 4am
BRIAll04:00 - 23:4415 minutes
BRIAll23:45 -03:59 After 4am
BNIAll03:00 - 22:5915 minutes
BNIAll23:00 - 02:59After 3am
Bank Sahabat Sampoerna<1,000,000,00003:00 - 22:5915 minutes
Bank Sahabat Sampoerna<1,000,000,00023:00 - 02:59After 3am
PermataAll01:00 - 22:5915 minutes
PermataAll23:00 - 00:59After 1am
CIMB>100,000,00009:00 - 20:5915 minutes
CIMB>100,000,00021:00 - 08:59After 9am
CIMB, Sinarmas≥10,000 or ≤100,000,00005:00 - 22:5915 minutes
CIMB, Sinarmas≥10,000 or ≤100,000,00023:00 - 04:59After 5am
Other banks and e-wallets≤100,000,00005:00 - 22:5915 minutes
Other banks and e-wallets≤100,000,00023:00 - 04:59After 5am
SINARMAS and other banks>100,000,00009:00 - 13:592 Hours
SINARMAS and other banks>100,000,00014:00 - 08:59After 9am

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.
  • The transfer may require reconciliation for the status to be identified.

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.

Please contact us at help@xendit.co in case your business needs to send funds during daily scheduled bank downtimes.

Malaysia

Disbursement Limits

Channel NameMinimum Amount (MYR)Maximum Amount (MYR)
UOB Bank1Unlimited
Other Banks & eWallets110000000

When Will My Money Arrive?

DestinationAmount (MYR)Request timestamp (GMT+8)ETA / Processing Time
UOB Bank>100:00am - 23:59pm15 mins
Other Banks & eWallets1 - 10,000,00000:00am - 23:59pm15 mins

Philippines

Disbursement Limits

There are different rails used in processing disbursements to Philippine banks and e-wallets. Depending on the rail used, there are limits on the amount per transaction

Channel NameMinimum Amount (PHP)Maximum Amount (PHP)
BPI Direct BanKo Inc. ISLA Bank Omnipay, Inc. Partner Rural Bank (Cotabato) Inc. Quezon Capital Rural Bank, Inc. Rural Bank of Guinobatan, Inc. Sun Savings Bank UCPB Savings Bank150,000
Binangonan Rural Bank15,000,000
CARD Bank1100,000
Other banks1100,000,000
Coins.PH DCPay15,000,000
Paymaya GCash Grabpay Starpay Shopeepay1200,000

*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.

E-WalletMinimum Amount (PHP)Maximum Amount (PHP)
Coins.PH DCPay1Level 1: 50,000/month Level 2: 100,000/month Level 3: 400,000/month Level 4: 5,000,000/month
GCash1Basic: 5,000/month GCash Jr: 10,000/month Fully Verified: 100,000/month GCash Plus: 500,000/month GCash Platinum: PHP 1,000,000/month
Grabpay1Standard - P10,000/day - P10,000/month - P100,000/year Premium -P100,000/day -P250,000/month
Paymaya1Basic: P50,000/month Upgraded account: P100,000/month
Starpay1KYC'd wallet- P100,000/day - P100,000/month
Shopeepay1Unverified: P50,000/month Verified account: P100,000/month

More on Transaction limits here: Coins.PH here | GCash here | Grabpay here | Paymaya here | Starpay here | Shopeepay here

Bank Account Length Limit

The number of digits in a bank account number for each of the banks in Philippines varies according to the bank. The following is the guideline of bank account length for the top banks in Indonesia.

Bank CodeAccount Number Length
UBP12 Digits
BDO9-12 Digits
BPI10-12 Digits
METROBANK13 Digits
LAND BANK OF THE PHILIPPINES10, 19 Digits

E-wallet Account Length Limit

E-wallet accounts in the Philippines are based on Philippine mobile numbers. While mobile numbers are usually written to include the country code, when mobile numbers are used as e-wallet account numbers, it is more common to use the format that contains 11 digits and where the prefix starts with zero (0). Example: 0XXXYYYZZZZ

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. In most cases, the recipient’s bank has not provided the final status of the transaction which is why a transaction can get stuck in PENDING or DISBURSING. See below for an estimate of the time of arrival of funds, based on the transfer amount and time of the request. See below for an overview of estimated arrival schedules per destination bank and amount.

DestinationAmount (PHP)Request timestamp (GMT+8)ETA / Processing Time
Union Bank Security BankAll00:00 - 23:5915 mins
United Overseas Bank Citibank, N.A. Bank of Makati Australia and New Zealand Bank MUFG Bank Amanah Islamic Investment Bank Guagua Rural Bank Inc JP Morgan Chase Bank Shinhan Bank Rural Bank of Montalban Korea Exchange Bank Tong Yang Savings Bank Deutsche Bank Hong Kong and Shanghai Banking Corp Mega International Commercial Bank Innovative Rural Bank Bangko Kabayan Bank of America HSBC Savings Bank Inc First Consolidated Bank Inc Bank of Florida Industrial Bank of Korea Sumitomo Mitsui Banking Corporation (SMBC) Rural Bank of Digos Bangkok Bank Public Cantilan Bank Country Builders Bank Rang-Ay Bank KEB Hana Bank Bangko Nuestra Señora Del Pilar Mizuho Bank, Ltd Industrial and Commercial Bank of China (ICBC)All06:00 -15:00- Funds sent out end of business day - Status update T+1 business day
United Overseas Bank Citibank, N.A. Bank of Makati Australia and New Zealand Bank MUFG Bank Amanah Islamic Investment Bank Guagua Rural Bank Inc JP Morgan Chase Bank Shinhan Bank Rural Bank of Montalban Korea Exchange Bank Tong Yang Savings Bank Deutsche Bank Hong Kong and Shanghai Banking Corp Mega International Commercial Bank Innovative Rural Bank Bangko Kabayan Bank of America HSBC Savings Bank Inc First Consolidated Bank Inc Bank of Florida Industrial Bank of Korea Sumitomo Mitsui Banking Corporation (SMBC) Rural Bank of Digos Bangkok Bank Public Cantilan Bank Country Builders Bank Rang-Ay Bank KEB Hana Bank Bangko Nuestra Señora Del Pilar Mizuho Bank, Ltd Industrial and Commercial Bank of China (ICBC)All15:01 - 05:59- Funds sent out T+1 business day - Status update T+2 business days
Others1 - 50,00000:00 - 23:5915 minutes
Others>50,00006:00 -15:00- Funds sent out end of business day - Status update T+1 business day
Others>50,00015:01 - 05:59- Funds sent out T+1 business day - Status update T+2 business days

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 once the final status is provided by the receiving bank. 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. In turn, if the final status is not provided by the recipient’s bank, Xendit is not able to provide a final status as well and may prolong the PENDING or DISBURSING status of the disbursement.
  • The transfer may require reconciliation on the next banking day the earliest for the status to be identified.
  • View which Philippines banks have instant/ cut-off processing here

If you feel that your transfer is taking unusually long, please get in touch with our support team at help@xendit.ph.

Bank Downtimes

All bank and e-wallet channels in the Philippines experience scheduled and unscheduled downtimes, which vary across different channels. Fortunately, redundancies have been created in our system to ensure your disbursement reaches the intended destination as quickly as possible. We will exhaust all available methods before declaring a failure of delivery. We will also notify you via our official communications channel for production announcements and via email for internal downtime advisories.

If we receive a disbursement request during scheduled bank downtimes (usually occurs between 12am - 1am UTC+8), 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.

Thailand

Disbursement Limits

Channel NameMinimum Amount (THB)Maximum Amount (THB)
All banks1700000

When Will My Money Arrive?

DestinationAmount (THB)Request timestamp (GMT+7)ETA / Processing Time
All Banks1 - 700,00000:00am - 23:59pm15 mins

Vietnam

Disbursement Limits

Channel NameMinimum Amount (VND)Maximum Amount (VND)
All banks10000299999999

When Will My Money Arrive?

DestinationAmount (VND)Request timestamp (GMT+7)ETA / Processing Time
All Banks10000 - 299,999,99900:00am - 23:59pm15 mins
Channel NameMinimum Amount (VND)Maximum Amount (VND)
All banks10000299999999

Last Updated on 2024-04-02