How long does it take for the beneficiary to receive payment?

This can vary on a number of factors, but we often see transactions below ₱50,000 received within 1 hour and above ₱50,000 within 1 to 2 banking days.

What are the factors that may affect delivery time?

  • For all transactions, regardless of the amount:
    • The account number is incorrect
    • The bank name is incorrect (for example, some customers might select the incorrect bank name between “BDO” and “BDO Network Bank”)
    • Bank maintenance
    • Compliance checks
  • For remittances worth ₱50,000 and below (typically credited within an hour):
    • The receiving bank is offline
  • For remittances above ₱50,000 (typically credited within 1-2 banking days):
    • The account name is incorrect
    • Bank holidays
  • For transactions with Metrobank, RCBC, or RCBC Savings as the receiving bank (typically credited within 1 hour, regardless of the amount):
    • The bank is offline