Security Bank Fund Transfer Processing Schedule
This guide explains how Security Bank processes local fund transfers for individual and business accounts. It covers internal transfers, InstaPay performance, and PESONet batch timing relevant to Filipino users relying on Security Bank Online and the mobile app.
Important: Transfer times depend on submission timing, system availability, and receiving bank clearing procedures.
Security Bank to Security Bank Transfers
Transfers between Security Bank accounts are usually processed in real time. Once confirmed, funds generally reflect immediately in the receiving account.
Transfers submitted during late night hours may still post instantly, although occasional delays can occur during system maintenance windows.
Security Bank InstaPay Transfer Processing
Security Bank supports InstaPay for near real time transfers to other Philippine banks and supported digital wallets. Most transactions are credited within minutes, with reliability dependent on system uptime.
| Transfer Timing | Crediting Behavior |
|---|---|
| Banking hours | Credited within minutes |
| Late night | Possible short delays during maintenance |
| Weekends and holidays | Available if systems are online |
Failed transactions are reversed typically within one to two banking days.
Security Bank PESONet Batch Transfers
PESONet transfers from Security Bank follow batch processing. Funds are not credited instantly and depend heavily on cut off timing.
| Submission Timing | Posting Outcome |
|---|---|
| Before daily cut off | Credited on the same banking day |
| After cut off | Credited next banking day |
| Weekends and holidays | Queued for next banking day |
Security Bank enforces cut off times strictly. Transfers submitted even minutes after the cut off are automatically queued for the next banking day.
Weekends and Holiday Impact
InstaPay transfers may still go through during weekends and holidays depending on system availability. PESONet transfers do not process on non banking days and are queued for the next banking day.
High volume during long holidays may cause delayed posting for batch transactions.
Monitoring Transfer Status
Transfer status can be checked using Security Bank Online or the mobile app. Completed transfers show a success status, while pending or failed transfers indicate processing or reversal information.
Always save your transaction reference number for tracking purposes.
Frequently Asked Questions
Q: Are Security Bank InstaPay transfers instant?
A: Most transactions credit within minutes, but brief delays may occur during system maintenance.
Q: Can PESONet transfers be canceled after submission?
A: No. Once submitted, PESONet transfers cannot be canceled.
Q: How long do reversals take for failed transfers?
A: Typically one to two banking days.
Q: Are there transfer limits for Security Bank accounts?
A: Yes. Limits depend on account type and app settings.
Philippine Holidays