Factors Affecting Fund Receipt
The time it takes for withdrawal funds to be received depends on the bank’s processing. After a withdrawal status is marked as successful, the transaction may still go through several processing stages by related parties, including:
Sending bank.
Switching network.
Receiving bank.
In addition, fund receipt time is also affected by bank operating hours. Some banks have limited services during nighttime, weekends, or national holidays.
Estimated Fund Receipt Time Outside Bank Operating Hours
Below is the estimated fund receipt time based on the destination bank, withdrawal amount, and request submission time (UTC+7):
Destination Bank |
Transfer Amount (IDR) |
Request Time (UTC+7) |
Estimated Processing Time (UTC+7) |
| BCA | All | 22:00 - 04:59 | After 05:00 |
| Mandiri | All | 23:00 - 03:59 | After 04:00 |
| BRI | All | 23:45 - 03:59 | After 04:00 |
| BNI | All | 23:00 - 02:59 | After 03:00 |
| Sahabat Sampoerna | <1,000,000,000 | 23:00 - 02:59 | After 03:00 |
| Permata | All | 23:00 - 00:59 | After 01:00 |
| CIMB | >100,000,000 | 21:00 - 08:59 | After 09:00 |
| SINARMAS | >100,000,000 | 14:00 - 08:59 | After 09:00 |
| CIMB, Sinarmas | ≥10,000 or ≤100,000,000 | 23:00 - 04:59 | After 05:00 |
| Other Banks | ≤250,000,000 | 23:00 - 04:59 | After 05:00 |
| >250,000,000 | It will be processed through SKN/RTGS and will comply with bank business hours. | ||
*The estimated withdrawal time may change at any time depending on the bank used.
Possible Causes of Delays
Most transactions will be completed within the estimated time above. However, in certain situations, delays may occur due to:
Processing that can only be performed during bank operating hours, including scheduled maintenance or unexpected operational disruptions.
Issues with the switching network or internal processing at the receiving bank.
Additional reconciliation processes required to confirm transaction status.
If you have not received your withdrawal funds within 1×24 hours, please contact INDODAX Customer Support.