Limits and 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 Name | 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 |
| Allo Bank Indonesia (formerly Bank Harda Internasional) Bank Aladin Syariah (formerly Bank Maybank Syariah Indonesia) Bank Amar Indonesia (formerly called Anglomas International Bank) Bank ANZ Indonesia Bank Artha Graha International Bank BJB Bank BJB Syariah Bank BNP Paribas Bank Bukopin Bank Bumi Arta Bank Capital Indonesia Bank Central Asia (BCA) Bank Central Asia (BCA) Syariah Bank Central Asia Digital (BluBCA) Bank Chinatrust Indonesia Bank CIMB Niaga Bank CIMB Niaga UUS Bank Commonwealth Bank Danamon Bank Danamon UUS Bank DBS Indonesia Bank DKI Bank DKI UUS Bank Ganesha Bank Hana Bank IBK Indonesia (formerly Bank Agris) Bank ICBC Indonesia Bank Ina Perdania Bank Index Selindo Bank Jago (formerly Bank Artos Indonesia) Bank Jasa Jakarta Bank JTrust Indonesia (formerly called Bank Mutiara) Bank Mandiri Bank Maspion Indonesia Bank Mayapada International Bank Maybank Bank Maybank Syariah Indonesia Bank Mayora Bank Mega Bank Mestika Dharma Bank Mizuho Indonesia Bank MNC Internasional Bank Muamalat Indonesia Bank Multi Arta Sentosa Bank Nationalnobu Bank Negara Indonesia (BNI) Bank Neo Commerce (formerly Bank Yudha Bhakti) Bank OCBC NISP Bank OCBC NISP UUS Bank of America Merill-Lynch Bank of China (BOC) Bank of Tokyo Mitsubishi UFJ (MUFJ) Bank Oke Indonesia (formerly called Bank Andara) Bank Panin Bank Panin Syariah Bank Permata Bank Permata UUS Bank QNB Indonesia (formerly called Bank QNB Kesawan) Bank Rakyat Indonesia (BRI) Bank Raya Indonesia (formerly called Bank BRI Agroniaga) Bank Resona Perdania Bank Sahabat Sampoerna Bank Seabank Indonesia (formerly Bank Kesejahteraan Ekonomi) Bank Shinhan Indonesia (formerly called Bank Metro Express) Bank Sinarmas Bank Sinarmas UUS Bank Syariah Bukopin Bank Syariah Indonesia (BSI) Bank Syariah Mega Bank Tabungan Negara (BTN) Bank Tabungan Negara (BTN) UUS Bank Tabungan Pensiunan Nasional (BTPN) Bank UOB Indonesia Bank Victoria Internasional Bank Woori Indonesia BPD Aceh BPD Aceh UUS BPD Bali BPD Banten (formerly called Bank Pundi Indonesia) BPD Bengkulu BPD Daerah Istimewa Yogyakarta (DIY) BPD Daerah Istimewa Yogyakarta (DIY) UUS BPD Jambi BPD Jambi UUS BPD Jawa Tengah BPD Jawa Tengah UUS BPD Jawa Timur BPD Jawa Timur UUS BPD Kalimantan Barat BPD Kalimantan Barat UUS BPD Kalimantan Selatan BPD Kalimantan Selatan UUS BPD Kalimantan Tengah BPD Kalimantan Timur BPD Kalimantan Timur UUS BPD Lampung BPD Maluku BPD Nusa Tenggara Barat BPD Nusa Tenggara Timur BPD Papua BPD Riau Dan Kepri BPD Sulawesi Tengah BPD Sulawesi Tenggara BPD Sulselbar BPD Sulselbar UUS BPD Sulut BPD Sumatera Barat BPD Sumatera Barat UUS BPD Sumsel Dan Babel BPD Sumsel Dan Babel UUS BPD Sumut BPD Sumut UUS BTPN Syariah (formerly called BTPN UUS and Bank Sahabat Purba Danarta) China Construction Bank Indonesia (formerly called Bank Antar Daerah and Bank Windu Kentjana International) Citibank Hongkong and Shanghai Bank Corporation (HSBC) UUS HSBC Indonesia (formerly called Bank Ekonomi Raharja) JP Morgan Chase Bank Mandiri Taspen Pos (formerly called Bank Sinar Harapan Bali) Standard Charted Bank | 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
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 / Processing Time |
|---|---|---|---|
| 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 |
| 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 |
| SINARMAS and other banks | >100,000,000 | 09:00 - 13:59 | 2 Hours |
| SINARMAS and other banks | >100,000,000 | 14:00 - 08:59 | After 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.
Malaysia
Disbursement Limits
| Channel Name | Minimum Amount (MYR) | Maximum Amount (MYR) |
|---|---|---|
| UOB Bank | 1 | Unlimited |
| Other Banks & eWallets | 1 | 10000000 |
When Will My Money Arrive?
| Destination | Amount (MYR) | Request timestamp (GMT+8) | ETA / Processing Time |
|---|---|---|---|
| UOB Bank | >1 | 00:00am - 23:59pm | 15 mins |
| Other Banks & eWallets | 1 - 10,000,000 | 00:00am - 23:59pm | 15 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 Name | 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. |
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.
| Destination | Amount (PHP) | 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.
Thailand
Disbursement Limits
| Channel Name | Minimum Amount (THB) | Maximum Amount (THB) |
|---|---|---|
| All banks | 1 | 700000 |
When Will My Money Arrive?
| Destination | Amount (THB) | Request timestamp (GMT+7) | ETA / Processing Time |
|---|---|---|---|
| All Banks | 1 - 700,000 | 00:00am - 23:59pm | 15 mins |
Vietnam
Disbursement Limits
| Channel Name | Minimum Amount (VND) | Maximum Amount (VND) |
|---|---|---|
| All banks | 10000 | 299999999 |
When Will My Money Arrive?
| Destination | Amount (VND) | Request timestamp (GMT+7) | ETA / Processing Time |
|---|---|---|---|
| All Banks | 10000 - 299,999,999 | 00:00am - 23:59pm | 15 mins |