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Send & Transfer / Transfer Speed & Posting Times / How long does a transfer usually take?
How long does a transfer usually take?

InstaPay: Almost instant (within seconds), but may take a few minutes or up to 24 hours if there are network delays or downtime.

PESONet: Credited same day if sent before the bank’s cut-off, or the next banking day if after cut-off/weekends. See below:

Transaction Time Estimated Processing If Not Successful
Before 9:40 AM 12:00 PM, same banking day Returned by 11:00 PM, same day
9:41 AM - 12:40 PM 6:00 PM, same banking day Returned by 2:00 PM, next day
After 3:40 PM 12:00 PM, next banking day Returned by 11:00 PM, next day
Weekends / Holidays 12:00 PM, next banking day Returned by 11:00 PM, next day