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 disbursement wallet balance
Top up from disbursement summary
Top up from balance dashboard
Transfer methods by bank
BCA
Mandiri
BRI
BNI
Permata
OCBC
CIMB Niaga
DBS
Disbursement balance auto-withdrawal
FAQ
Top up disbursement wallet balance
Top up from Disbursement Summary
To top up wallet balance from disbursement summary page:
Click Top Up
Select a Virtual Account (VA) bank. For banks that are not shown in the options, you can choose an alternative to use. 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 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.
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
Transfer methods by Bank
Choose transfer method to top up disbursement balance. For example, for a high amount of Take Home Pay (THP), use transfer method with higher transfer limit.
Each bank will have different transaction fee, maximum transfer limit and settlement period. Below is the list of transaction fee, transfer limit and settlement period for most used banks for transfer.
Note: Bank transfer fee, cap limits, and cut-off times may change. Always confirm with each bank’s latest official policy.
BCA (klikBCA)
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 |
Not Covered Bank
BANK PEREKONOMIAN RAKYAT (BPR) CHRISTA JAYA
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).