

InstaPay transfers are usually near-instant, while PESONet transfers may take 1–3 banking days depending on cut-off times.

Transfer fees can vary by route and current promos. Review the fee shown in-app before confirming.

If you are transferring for the first time, consider a small test transfer before sending a larger amount.

Always double-check the recipient details. Keep your reference number to track the transaction if it is delayed.