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Limits and Processing Times in Indonesia and Philippines

Limits and Processing Times


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, Linkaja 10,000 10,000,000
OVO 1 10,000,000
DANA 1 10,000,000
ShopeePay 1 10,000,000
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 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.


Virtual Account Minimum Amount (IDR) Maximum Amount (IDR)
BRI VA, BNI VA 1 Unlimited
Permata VA 10,000 25,000,000
Mandiri VA, CIMB VA, BTN VA, NOBU VA 10,000 100,000,000
BCA VA Not supported Not supported

Wallet Account Type Maximum Amount (IDR)
Gopay Unverified 1,000,000
Gopay Verified 10,000,000
OVO OVO Club 2,000,000
OVO OVO Premier 10,000,000
DANA Unverified 2,000,000
DANA Premium 10,000,000
LinkAja Basic Service 2,000,000
LinkAja Full Service 10,000,000
Shopeepay Unverified 2,000,000
Shopeepay Verified 10,000,000

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 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.

Settlement Time 

  • QRIS funds will arrive at the destination account within 2 working days.
  • Card (credit and debit) payments will arrive at the destination account within 3 working days.
    • Card settlements are done 2-4 PM every day. Transactions before 2 PM will be processed within 3 working days and after 2PM will be processed within 4 working days. 


When Will My Money Arrive?

The time of arrival of funds depends on the bank's 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 07:00 - 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 All 03:00 - 22:59 15 minutes
Bank Sahabat Sampoerna All 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

For Singapore and the Philippines, the disbursal happens at 8 PM every day. In Indonesia, the disbursal time would be at 7 PM.

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.


Disbursement Limits and Processing Time


Channel Minimum Amount (PHP) Maximum Amount (PHP) Processing Time
All Channels - Bank and E-wallets 1 50,000 15 minutes
*Most Channels 50,000 100,000,000 Sent 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 disbursement will bring a merchant’s balance above the prescribed maximum balance, the transfer will fail.


Wallet Minimum Amount (PHP) Maximum Amount (PHP)
Paymaya 1 If not upgraded: P50,000/month
Upgraded account: P100,000/month
Coins PH 1 Level 1: P50,000/month
Level 2: P100,000/month
Level 3: P400,000/month
GCash 1 Basic: 10,000/month
Fully Verified: 100,000/month
Grabpay 1 Standard
- P10,000/day
- P10,000/month
- P100,000/year
Starpay 1 KYC'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.


    • 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.