Understanding BDO Fund Transfer Processing Times
This guide explains how fund transfers are processed when sending money from Banco de Oro accounts. It covers local bank transfers using InstaPay and PESONet, including cut off times, posting schedules, and what to expect during weekends and Philippine holidays.
Important: Processing times may still vary depending on system availability, transaction volume, and receiving bank policies.
BDO to BDO Transfers
Transfers between BDO accounts are typically processed in real time. Once the transaction is completed successfully, funds are credited immediately to the receiving account.
Transfers made late at night may reflect within the same day or early the next banking day depending on system maintenance windows.
BDO InstaPay Transfer Processing Schedule
InstaPay allows near real time transfers to other Philippine banks and e wallets. Funds are usually credited within minutes after a successful transaction.
| Transaction Timing | Expected Credit Time |
|---|---|
| Banking days 6:00 AM to 10:00 PM | Within minutes |
| Late night or system maintenance | May be delayed or queued |
| Weekends and holidays | Within minutes if system is available |
If a transaction fails or is pending, funds are typically reversed back to the sender within one to two banking days.
BDO PESONet Transfer Processing Schedule
PESONet is used for higher value transfers and follows batch processing. Funds are not credited instantly and depend on cut off times.
| Submission Time | Processing Result |
|---|---|
| Before cut off on a banking day | Credited on the same banking day |
| After cut off | Credited on the next banking day |
| Weekends and holidays | Processed on the next banking day |
Actual cut off times may change without notice. Always confirm the displayed cut off time in the BDO Online Banking platform before submitting a transfer.
Transfers Affected by Weekends and Philippine Holidays
InstaPay transactions may still go through on non banking days, but availability depends on system uptime. PESONet transfers submitted on weekends or holidays are queued and processed on the next banking day.
Philippine regular holidays may cause longer queues for PESONet processing, especially after long weekends.
How to Check Transfer Status
You can monitor your fund transfer status through the BDO Online Banking website or mobile app. Completed transactions show a successful status, while pending or failed transfers will display processing or reversal details.
Always keep your transaction reference number in case follow up is needed.
For international wire transfers, remittances, and foreign payments sent to Philippine banks, our guide on Receiving International Money in the Philippines explains timelines, bank requirements, and SWIFT codes.
Frequently Asked Questions
Q: Are InstaPay transfers always instant?
A: Most are credited within minutes, but delays may occur during maintenance or receiving bank downtime.
Q: Can I cancel a PESONet transfer after submission?
A: No. Once submitted, PESONet transfers cannot be canceled and will proceed on the next processing batch.
Q: What happens if a transfer fails?
A: Failed transactions are usually reversed to the sender within one to two banking days.
Q: Is there a transfer limit for InstaPay and PESONet?
A: Yes. Limits depend on BDO policies and your account settings as shown in the app.
Philippine Holidays