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Limits and Processing Times

Last updated 09/20/2021

Indonesia

Disbursement Limits

BankMinimum Amount (IDR)Maximum Amount (IDR)
BCA, Mandiri, BNI, BNI Syariah, BRI, Permata1No limit**
CIMB, Sinarmas10,000No limit**
Sahabat Sampoerna11,000,000,000
Gopay, Linkaja10,00010,000,000
OVO110,000,000
DANA110,000,000
ShopeePay8,00010,000,000
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
BRI_SYR10 Digits
BNI7-11 Digits
BNI_SYR9-10 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 - 20:0015 minutes
BCA<10,000 or >100,000,00020:00 - 07:00After 7am
BCA≥10,000 or ≤100,000,00005:00 - 23:0015 minutes
BCA≥10,000 or ≤100,000,00023:00 - 05:00After 5am
BRI, Mandiri, BNI, BNI Syariah, Permata, Sahabat SampoernaAll01:00 - 23:0015 minutes
BRI, Mandiri, BNI, BNI Syariah, Permata, Sahabat SampoernaAll23:00 -01:00After 5am
CIMB, SINARMAS≥10,000 or ≤100,000,00005:00 - 23:0015 minutes
CIMB, SINARMAS≥10,000 or ≤100,000,00023:00 - 05:00After 5am
CIMB>100,000,00009:00 - 21:0015 minutes
CIMB>100,000,00021:00 - 09:00After 9am
SINARMAS>100,000,00009:00 - 14:002 Hours
SINARMAS>100,000,00014:00 - 09:00After 9am
Other banks and e-wallets≤100,000,00005:00 - 23:0015 minutes
Other banks and e-wallets≤100,000,00023:00 - 05:00After 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 and Processing Time

ChannelMinimum Amount (PHP)Maximum Amount (PHP)Processing Time
All Channels - Bank and E-wallets150,00015 minutes
*Most Channels50,000100,000,000Sent out by end-of-day if submitted before cutoff time of 1PM on a bank working day

*See all available PH channels and specified limitations.

For disbursements on e-wallet accounts, please note that each platform imposes a limit on the amount of balance a merchant can hold in their wallet. In the event that a disbursement will bring a merchant’s balance above the prescribed maximum balance, the transfer will fail.

WalletMinimum Amount (PHP)Maximum Amount (PHP)
Paymaya1If not upgraded: P50,000/month
Upgraded account: P100,000/month
Coins PH1Level 1: P50,000/month
Level 2: P100,000/month
Level 3: P400,000/month
GCash1Basic: 10,000/month
Fully Verified: 100,000/month
Grabpay1Standard
- P10,000/day
- P10,000/month
- P100,000/year
Premium
-P100,000/day
-P250,000/month
Starpay1KYC'd wallet
- P100,000/day
- P100,000/month

When Will My Money Arrive?

For disbursements on e-wallet accounts, please note that each platform imposes a limit on the amount of balance a merchant can hold in their wallet. In the event that a disbursement will bring a merchant’s balance above the prescribed maximum balance, the transfer will fail.

See below for an overview of estimated arrival schedules per destination bank and amount.

Same-day

  • Transactions to all banks and wallets up to 50,000.00 PHP will be sent out via Instapay instantly.

1 business day

  • Transactions to most banks and wallets (except Grabpay) above 50,000.00 PHP will be processed via Pesonet, which operates on bank working days until the cutoff time of 1pm Philippines time (UTC +8).
  • Requests sent outside these times will be processed on the next bank working day.
  • For example, requests received at 1pm on a Friday are sent out and processed on the same day. Requests received at 2pm on a Friday are sent out on the following Monday.
  • After the disbursement is completed, funds usually arrive at the destination account within 1 working day; this depends on the beneficiary bank’s clearing schedules.

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.