Limits and Processing Times
Indonesia
Disbursement Limits
| Bank | Minimum Amount (IDR) | Maximum Amount (IDR) |
|---|---|---|
| BCA, Mandiri, BNI, BRI, Permata | 1 | No limit** |
| CIMB, Sinarmas | 10,000 | No limit** |
| Sahabat Sampoerna | 1 | 1,000,000,000 |
| Gopay | 10,000 | 20,000,000 |
| Linkaja | 10,000 | 10,000,000 |
| OVO, DANA, ShoppeePay | 1 | 20,000,000 |
| BRI Agroniaga Allo Bank Indonesia Artha Graha International BPD Bali BPD Banten BJB BJB Syariah Syariah Indonesia (BSI) Bank Tabungan Negara (BTN) Bumi Arta Citibank Danamon DBS Indonesia DKI Ganesha Hana HSBC Indonesia Ina Perdania Bank Jago BPD Jawa Tengah BPD Jawa Timur Mandiri Taspen Pos Maspion Indonesia Mega Mestika Dharma Multi Arta Sentosa Nationalnobu BPD Nusa Tenggara Timur OCBC NISP Panin BPD Papua UOB Indonesia Woori Saudara Indonesia 1906 | 5,000 | 250,000,000 |
| 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 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 100,000,000 (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 has needs to send above 100,000,000 (to banks other than BCA, BNI, BRI, Mandiri, and Permata)
| Virtual Account | Minimum Amount (IDR) | Maximum Amount (IDR) |
|---|---|---|
| BRI VA, BNI VA, Mandiri VA | 1 | Unlimited |
| Permata VA | 10,000 | 25,000,000 |
| CIMB VA, BTN VA, NOBU VA | 10,000 | 100,000,000 |
| BCA VA | Not supported | Not supported |
| E-Wallet | Account Type | Maximum Amount (IDR) |
|---|---|---|
| Gopay | Unverified | 2,000,000 |
| Gopay | Verified | 20,000,000 |
| OVO | OVO Club | 2,000,000 |
| OVO | OVO Premier | 20,000,000 |
| DANA | Unverified | 2,000,000 |
| DANA | Premium | 20,000,000 |
| LinkAja | Basic Service | 2,000,000 |
| LinkAja | Full Service | 10,000,000 |
| Shopeepay | Unverified | 2,000,000 |
| Shopeepay | Verified | 20,000,000 |
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 Code | Account Number Length |
|---|---|
| BCA | 10 Digits |
| BRI* | 13-17 Digits |
| BNI | 7-11 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 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
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 | 05:00 - 19:59 | 15 minutes |
| BCA | <10,000 or >100,000,000 | 20:00 - 06:59 | After 7am |
| Mandiri, BRI | All | 04:00 - 22:59 | 15 minutes |
| Mandiri, BRI | All | 23:00 - 03:59 | After 4am |
| BNI | All | 02:00 - 22:59 | 15 minutes |
| BNI | All | 23:00 - 01:59 | After 2am |
| Bank Sahabat Sampoerna | <1,000,000,000 | 03:00 - 22:59 | 15 minutes |
| Bank Sahabat Sampoerna | <1,000,000,000 | 23:00 - 02:59 | After 3am |
| Permata | All | 01:00 - 22:59 | 15 minutes |
| Permata | All | 23:00 - 00:59 | After 1am |
| CIMB | >100,000,000 | 09:00 - 20:59 | 15 minutes |
| CIMB | >100,000,000 | 21:00 - 08:59 | After 9am |
| SINARMAS | >100,000,000 | 09:00 - 13:59 | 2 Hours |
| SINARMAS | >100,000,000 | 14:00 - 08:59 | After 9am |
| BCA, CIMB, Sinarmas | ≥10,000 or ≤100,000,000 | 05:00 - 22:59 | 15 minutes |
| BCA, CIMB, Sinarmas | ≥10,000 or ≤100,000,000 | 23:00 - 04:59 | After 5am |
| Other banks and e-wallets | ≤100,000,000 | 05:00 - 22:59 | 15 minutes |
| Other banks and e-wallets | ≤100,000,000 | 23:00 - 04:59 | 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.
- 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
| Channel | Minimum Amount (PHP) | Maximum Amount (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 | 1 | 50,000 |
| Other banks and ewallets | 1 | 100,000,000 |
| *CoinsPH *DCPay | 1 | 5,000,000 |
| *Gcash *Paymaya | 1 | 100,000 |
| *Grabpay *Starpay *Shopeepay | 1 | 50,000 |
*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-Wallet | Minimum Amount (PHP) | Maximum Amount (PHP) |
|---|---|---|
| Coins.PH DCPay | 1 | Level 1: 50,000/month Level 2: 100,000/month Level 3: 400,000/month Level 4: 5,000,000/month More on the transaction Limits here. |
| GCash | 1 | Basic: 10,000/month Fully Verified: 100,000/month More on the transaction Limits here. |
| Grabpay | 1 | Standard - P10,000/day - P10,000/month - P100,000/year Premium -P100,000/day -P250,000/month More on the transaction Limits here. |
| Paymaya | 1 | Basic: P50,000/month Upgraded account: P100,000/month More on the transaction limits here. |
| Starpay | 1 | KYC'd wallet - P100,000/day - P100,000/month More on the transaction limits here. |
| Shopeepay | 1 | Unverified: P50,000/month Verified account: 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.
| Destination | Amount | Request timestamp (GMT+8) | ETA / Processing Time |
|---|---|---|---|
| Channels with instant processing only | 1-50,000 | 1:00am-11:59pm | 15 mins |
| Channels with instant and cut off processing | >50,000 - 100,000,000 | 06:00am-3:00pm (weekdays) | - Funds sent out EOD - Status reflected next banking day |
| Channels with instant and cut off processing | >50,000 - 100,000,000 | 3:01pm-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 only | 1-100,000,000 | 06:00am-3:00pm (weekdays) | - Funds sent out EOD - Status reflected next banking day |
| Channels with cut off processing only | 1-100,000,000 | 3:01pm-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.
- 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.