How Long Does a Fiat Withdrawal Take on BTSE Indonesia?

Fiat withdrawals on BTSE Indonesia are processed through official payment partners. Most withdrawals are processed in real time; however, the time it takes for funds to be received may vary depending on the destination bank, withdrawal amount, and bank operating hours.

Below is the estimated time for funds to be received based on the destination bank, transaction amount, and withdrawal submission time.

Bank / Destination	Withdrawal Amount	Submission Time	Estimated Arrival Time
BCA	< Rp10.000 or > Rp100.000.000	07.00–19.59 WIB	±15 minutes
BCA	< Rp10.000 or > Rp100.000.000	20.00–06.59 WIB	After 07.00 WIB
Mandiri, BRI	All amounts	04.00–22.59 WIB	±15 minutes
Mandiri, BRI	All amounts	23.00–03.59 WIB	After 04.00 WIB
BNI	All amounts	02.00–22.59 WIB	±15 minutes
BNI	All amounts	23.00–01.59 WIB	After 02.00 WIB
Sahabat Sampoerna	< Rp1.000.000.000	03.00–22.59 WIB	±15 minutes
Sahabat Sampoerna	< Rp1.000.000.000	23.00–02.59 WIB	After 03.00 WIB
Permata	All amounts	01.00–22.59 WIB	±15 minutes
Permata	All amounts	23.00–00.59 WIB	After 01.00 WIB
CIMB	> Rp100.000.000	09.00–20.59 WIB	±15 minutes
CIMB	> Rp100.000.000	21.00–08.59 WIB	After 09.00 WIB
Sinarmas	> Rp100.000.000	09.00–13.59 WIB	±2 hours
Sinarmas	> Rp100.000.000	14.00–08.59 WIB	After 09.00 WIB
BCA, CIMB, Sinarmas	Rp10.000–Rp100.000.000	05.00–22.59 WIB	±15 minutes
BCA, CIMB, Sinarmas	Rp10.000–Rp100.000.000	23.00–04.59 WIB	After 05.00 WIB
Other Banks and E-Wallets	≤ Rp100.000.000	05.00–22.59 WIB	±15 minutes
Other Banks and E-Wallets	≤ Rp100.000.000	23.00–04.59 WIB	After 05.00 WIB

Notes: The estimated processing time above may change at any time depending on policies, system availability, and the operating hours of the destination bank.

Why Has My Withdrawal Not Been Received?

Although most withdrawals are processed quickly, there are several conditions that may cause delays, such as:

The destination bank is undergoing maintenance.
There is a disruption in the banking network or interbank switching system.
The receiving bank requires additional reconciliation or verification processes.
The withdrawal is submitted during bank downtime, typically between 23:00 and 05:00 WIB.

Frequently Asked Questions

Can withdrawals be made 24 hours a day?

Yes. You can submit withdrawal requests 24 hours a day. However, the time funds are received still depends on the availability of the banking system and payment partners.

Will the funds always arrive within 15 minutes?

Most transactions are processed within approximately 15 minutes. However, in certain conditions such as bank maintenance or system disruptions, the process may take longer.

What should I do if the funds have not been received?

If the funds have not been received beyond the estimated time, please contact BTSE Indonesia Customer Support and provide the following information:

BTSE Indonesia account email.
Withdrawal amount.
Withdrawal request time.
Transaction proof.

The Customer Support team will assist in further investigation of your transaction.