Contents of this article are applicable to the following users
Tier: NA
Product: PayrollAny
Platform: Web
Access Level: Owner
Use this guide to top up disbursement wallet balance and understand the transfer method that matches your payroll amount and payout schedule when topping up disbursement balance.
This guide will cover the following:
Top up methods
Top up from Disbursement Summary
To top up wallet balance from disbursement summary page:
Click Top Up
Select a Virtual Account (VA) bank. VA Bank can be transferred using same-bank VA transfer or inter-bank transfer to other bank (Input VA bank in the account number field). Note: BCA does not have a BCA VA channel. If topping up from BCA, select Mandiri, Permata, BRI, or BNC as the VA bank.
Open Bank's application or system.
If the VA channel bank chosen is similar the one used for transfer, choose same-bank VA transfer
If the VA channel bank chosen is not same to the one used for transfer, choose transfer to other bank
Copy VA number and pay the exact amount.
Note that the top up recipient may show "PT Harsya Remitindo". This is the name of the payment gateway that provides the wallet for your company disbursement account.Wait for payment confirmation.
Refresh and confirm updated balance.
Top up from Balance Dashboard
To top up wallet balance from balance dashboard page:
Go to Payroll > Payment > Click Balance & Quota Dashboard
Click Top Up
Select a receiving VA Bank. VA Bank can be transferred using same-bank VA transfer or inter-bank transfer to other bank (Input VA bank in the account number field)
Open a bank application and input the virtual account number and the desired top up amount.
If the VA channel bank chosen is similar the one used for transfer, choose same-bank VA transfer
If the VA channel bank chosen is not same to the one used for transfer, choose transfer to other bank
Refresh and confirm updated balance
Note that the top up recipient may show "PT Harsya Remitindo". This is the name of the payment gateway that provides the wallet for your company disbursement account.
VA transfer methods
VA banks available for top up transfer are:
Danamon
BNI
Mandiri
BSI
BNC
CIMB
BRI
Permata
Below is a detailed breakdown of the available VA banks and transfer types, including transaction limits. Choose the right combination based on your source bank and payroll amount.
Which VA bank should I use?
Each VA bank supports inter-bank transfers. The table below shows the recommended VA bank options based on the bank you are transferring from.
Your Bank (Source) | Recommended VA Bank to Select | Transfer Method in Your Bank App |
BCA (KlikBCA) | Mandiri, Permata, BRI, or BNC | Transfer to other bank (inter-bank) |
Mandiri | Mandiri | Same-bank Mandiri VA transfer |
BRI | BRI | Same-bank BRI VA transfer |
BNI | BNI | Same-bank BNI VA transfer |
Permata | Permata | Same-bank Permata VA transfer |
OCBC | Any VA bank (e.g. Mandiri, BRI) | Transfer to other bank (inter-bank) |
CIMB Niaga | CIMB | Same-bank CIMB VA transfer |
DBS (Digibank) | Any VA bank (e.g. Mandiri, BRI) | Transfer to other bank (inter-bank) |
Other banks | Any VA bank listed above | Transfer to other bank (inter-bank) |
Note: BCA does not have a BCA VA channel. If you are transferring from BCA, you must select a different bank’s VA (e.g. Mandiri, Permata, BRI, or BNC) and use inter-bank transfer. Also note that BCA cannot transfer to BNI VA due to a Bank Partner limitation for BNI VA SNAP — use Mandiri VA or other alternatives instead.
Which transfer type suits my amount?
Choose the transfer type based on the total amount you need to top up:
Top Up Amount | Recommended Transfer Type | Why |
Below Rp 100,000,000 | BI-Fast or Online transfer | Faster (real-time), lower fee, available 24/7 |
Rp 100,000,000 and above | RTGS or LLG (SKN) | Higher per-transaction limits, suited for large payroll amounts |
⚠️ Important — RTGS and LLG/SKN have working-hours cut-off times
RTGS and LLG (SKN) transfers are only processed during bank operational hours on working days. Make sure to initiate your top up within the cut-off time to ensure same-day settlement:
RTGS: Submit before the bank’s RTGS cut-off (varies by bank, typically 13:00–14:00 WIB). Transfers submitted after the cut-off are processed the next working day.
LLG/SKN: Processed on the next working day. Not recommended when you need same-day disbursement balance top up.
Bank transfer fee, cap limits, and cut-off times may change. Always confirm with each bank’s latest official policy before transferring.
Transfer details by bank
Below is the transfer fee, limit, and settlement period for popular banks. These details are provided as a reference. Always check your bank’s latest official policy as details may change.
BCA (klikBCA)
BCA does not have a BCA VA channel. To top up using BCA (klikBCA), select Mandiri, Permata, BRI, or BNC as the VA bank, then use transfer to other bank and input the VA number.
Method | Fee | Max Transfer Limit | Settlement |
BI-FAST | Rp 2.500/trx | Rp25.000.000/trx Rp 500.000.000/day (Combined all method) | Real-time 24/7 |
Real-time online (RTO) | Rp 6.500/trx | Rp25.000.000/trx Rp 500.000.000/day (Combined all method) | Real-time 24/7 |
SKN/LLG | Rp 2.900/trx | Rp 500.000.000/day (Combined all method) | Next working day |
RTGS | Rp 25.000/trx | Rp 500.000.000/day (Combined all method) | - Before 14.00 WIB: Same day
- After 14.00 WIB: D+1 |
Mandiri (Livin by Mandiri)
Method | Fee | Max Transfer Limit | Settlement |
BI-FAST | Rp 2.500/trx | Rp 100.000.000/trx Rp 150.000.000/day | Real-time 24/7 |
Online | Rp 6.500/trx | Rp 50.000.000/trx Rp 250.000.000/day | Real-time 24/7 |
SKN/LLG | Rp 2.900/trx | Rp 200.000.000/day | Next working day |
RTGS | Rp 30.000/trx | Rp 500.000.000/day | - Before 15.25 WIB: Same day
- After 15.25 WIB: D+1 |
BRI
Method | Fee | Max Transfer Limit | Settlement |
BI-FAST | Rp 2.500/trx | Rp 250.000.000/day | Real-time 24/7 |
Online | Rp 6.500/trx | Rp 50.000.000/trx Rp 100.000.000/day
| Real-time 24/7 |
SKN/LLG | Rp 5.000/trx | - Rp 100.000.000/day for non-business account - Rp 500.000.000/day for business account
| Next working day |
RTGS | Rp 30.000/trx | - Rp 550.000.000/day for non-business account - Rp 5.000.000.000/day for business account | - Before 14.00: Same day
- After 14.00: D+1 |
BNI (wondr by BNI)
Method | Fee | Max Transfer Limit | Settlement |
BI-FAST | Rp 2.500/trx | Rp 250.000.000/trx Rp 250.000.000/day | Real-time 24/7 |
Online | Rp 6.500/trx | Rp 200.000.000/trx Rp 200.000.000/day | Real-time 24/7 |
SKN/LLG | Rp 5.000/trx | Rp 250.000.000/trx Rp 250.000.000/day | Next working day |
RTGS | Rp 25.000/trx | No Max limit | - Before 14.00: Same day
- After 14.00: D+1 |
Permata
Method | Fee | Max Transfer Limit | Settlement |
BI-FAST | Rp 2.500/trx | Rp 250.000.000/day | Real-time 24/7 |
Online | Rp 7,500/trx | Rp 50.000.000/day | Real-time 24/7 |
SKN/LLG | Rp 2.900/trx | Rp 500.000.000/day | Next working day |
RTGS | Rp 25.000/trx | Rp 500.000.000/day | - Before 14.00: Same day
- After 14.00: D+1 |
OCBC
Method | Fee | Max Transfer Limit | Settlement |
BI-FAST | Rp 2.500/trx | Rp 250.000.000/trx Rp 1.000.000.000/day | Real-time 24/7 |
Online | Rp 6.500/trx | Rp 100.000.000/trx Rp 200.000.000/day
| Real-time 24/7 |
SKN/LLG | Rp 2.000/trx | Rp 200.000.000/trx Rp 1.000.000.000/day | Next working day |
RTGS | Rp 25.000/trx | Rp 1.000.000.000/trx Rp 1.000.000.000/day | - Before 14.00: Same day
- After 14.00: D+1 |
CIMB Niaga (Octo)
Method | Fee | Max Transfer Limit | Settlement |
BI-FAST | Rp 2.500/trx | Rp 250.000.000/trx Rp 500.000.000/day | Real-time 24/7 |
Real-time online (RTO) | Rp 6.500/trx | Rp 250.000.000/trx Rp 500.000.000/day | Real-time 24/7 |
SKN/LLG | Rp 2.900/trx | Rp 500.000.000/trx/day | Next working day |
RTGS | Rp 25.000/trx | Rp 1.000.000.000/trx/day | - Before 15.00: Same day
- After 15.00: D+1 |
DBS (Digibank)
Method | Fee | Max Transfer Limit | Settlement |
BI-FAST | Free | Rp. 250.000.000/trx Rp. 250.000.000/day | Real-time 24/7 |
Real-time online (RTO) | Rp 5.000/trx
Free (for balance > 5.000.000) | Rp. 50.000.000/trx Rp. 250.000.000/day | Real-time 24/7 |
SKN/LLG | Rp 2.900/trx
Free (for balance > 5.000.000) | Rp. 250.000.000/trx Rp. 1.000.000.000/day | Next working day |
RTGS | Rp 20.000/trx
Free (for balance > 5.000.000) | Rp. 250.000.000/trx Rp. 1.000.000.000/day | - Before 14.00 WIB: Same day
- After 14.00 WIB: D+1 |
Disbursement balance auto-withdrawal
If there is no activity in the wallet for 55 days, the remaining balance is automatically withdrawn to your registered bank account (submitted during the registration process)
Day 45 (no activity): Reminder email is sent.
Day 55 (no activity): Remaining balance is auto-withdrawn to your registered bank account.
Example:
If IDR 100,000,000 remains unused, you receive a reminder on day 45.
If still inactive, the balance is settled back on day 55.
FAQ
Q: What if the bank I use is not in the VA Bank dropdown list?
A: You can still top up to any bank VA by choosing “Transfer to other bank” in your bank application and put in the chosen VA Bank number for top up.
Q: Are transfer limits the same across all banks?
A: No. Per-transaction limits and daily caps differ by bank and method.
Q: What does “combined all methods” mean?
A: It means one shared daily limit applies across multiple transfer methods in that bank account.
Q: Can I top up disbursement balance any time?
A: You can initiate transfers anytime, but settlement still depends on method and bank policy (especially for SKN/LLG and RTGS).
Q: Why does the VA recipient name show "PT Harsya Remitindo" or "HRSYA"?
A: This is the name of the payment gateway that provides the wallet for your company disbursement account. You are still transferring to your own company's wallet.
Q: Why can't BCA transfer to BNI VA?
A: This is the Bank Partner limitation for BNI VA SNAP. You can use other bank VA such as Mandiri VA to transfer from BCA