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Limits and Processing Times

Indonesia

Disbursement Limits

BankMinimum Amount (IDR)Maximum Amount (IDR)
BCA, Mandiri, BNI, BRI, Permata1No limit**
CIMB, Sinarmas10,000No limit**
Sahabat Sampoerna11,000,000,000
Gopay, Linkaja10,00010,000,000
OVO110,000,000
DANA110,000,000
ShopeePay110,000,000
Other banks10,000100,000,000***

**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.

Please contact us at help@xendit.co in case your business has needs to send above 100,000,000 (to banks other than BCA, BNI, BRI, Mandiri, and Permata)

Virtual AccountMinimum Amount (IDR)Maximum Amount (IDR)
BRI VA, BNI VA1Unlimited
Permata VA10,00025,000,000
Mandiri VA, CIMB VA, BTN VA, NOBU VA10,000100,000,000
BCA VANot supportedNot supported
WalletAccount TypeMaximum Amount (IDR)
GopayUnverified1,000,000
GopayVerified10,000,000
OVOOVO Club2,000,000
OVOOVO Premier10,000,000
DANAUnverified2,000,000
DANAPremium10,000,000
LinkAjaBasic Service2,000,000
LinkAjaFull Service10,000,000
ShopeepayUnverified2,000,000
ShopeepayVerified10,000,000

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.

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 BankAmount (IDR)Request Timestamp (UTC+7)ETA
BCA<10,000 or >100,000,00007:00 - 19:5915 minutes
BCA<10,000 or >100,000,00020:00 - 06:59After 7am
Mandiri, BRIAll04:00 - 22:5915 minutes
Mandiri, BRIAll23:00 - 03:59After 4am
BNIAll02:00 - 22:5915 minutes
BNIAll23:00 - 01:59After 2am
Bank Sahabat SampoernaAll03:00 - 22:5915 minutes
Bank Sahabat SampoernaAll23:00 - 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
SINARMAS>100,000,00009:00 - 13:592 Hours
SINARMAS>100,000,00014:00 - 08:59After 9am
BCA, CIMB, Sinarmas≥10,000 or ≤100,000,00005:00 - 22:5915 minutes
BCA, 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

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.

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

ChannelMinimum Amount (PHP)Maximum Amount (PHP)Maximum Amount per transaction (PHP)
BPI Direct BanKo Inc.
Binangonan Rural Bank
CARD Bank
ISLA Bank
Omnipay, Inc.
Partner Rural Bank (Cotabato) Inc.
Quezon Capital Rural Bank, Inc.
Rural Bank of Guinobatan, Inc.
Sun Savings Bank
UCPB Savings Bank
1100,000,00050,000
Other banks and ewallets1100,000,000100,000,000
*CoinsPH
*DCPay
15,000,0005,000,000
*Gcash
*Paymaya
1100,000100,000
*Grabpay
*Starpay
1250,00050,000

*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
DCPay
1Level 1: 2,000/month
Level 2: 50,000/month
Level 3: 400,000/month
Level 4: 5,000,000/month

More on the transaction Limits here.
GCash1Basic: 10,000/month
Fully Verified: 100,000/month

More on the transaction Limits here.
Grabpay1Standard
- P10,000/day
- P10,000/month
- P100,000/year
Premium
-P100,000/day
-P250,000/month

More on the transaction Limits here.
Paymaya1Basic: P50,000/month
Upgraded account: P100,000/month

More on the transaction limits here
Starpay1KYC'd wallet
- P100,000/day
- P100,000/month

More on the transaction limits here

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.

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.

DestinationAmountRequest timestamp (GMT+8)ETA / Processing Time
Channels with instant processing only1-50,00012:00am-11:59pm15 mins
Channels with instant and cut off processing>50,000 - 100,000,00006:00am-3:00pm
(weekdays)
- Funds sent out EOD
- Status reflected next banking day
Channels with instant and cut off processing>50,000 - 100,000,0003:01pm-5:59am (weekdays) and weekends/holidays- Funds sent out EOD of next banking day
- Status reflected next banking day from when funds are sent out
Channels with cut off processing only1-100,000,00006:00am-3:00pm
(weekdays)
- Funds sent out EOD
- Status reflected next banking day
Channels with cut off processing only1-100,000,0003:01pm-5:59am (weekdays) and weekends/holidays- Funds sent out EOD of next banking day
- Status reflected next banking day from when funds are sent out

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. 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.