JILILUCK Bank Transfer Limit: InstaPay, PESONet and Your Own Bank
A bank transfer limit comes from two places: the rail (InstaPay carries up to PHP 50,000 per transaction, PESONet has no scheme-wide cap) and your own bank, which can set a lower cap on either rail.
Key facts and contents
- JILILUCK Maya Upgrade Account
- To upgrade a Maya account, complete the video selfie, valid ID, verified address and verified personal information steps.
- JILILUCK Source of Funds
- Source of funds means where the money in a transaction came from.
- JILILUCK Transaction Password
- A transaction password is a second secret that approves money leaving your account, separate from the password you log in with.
- JILILUCK Withdrawal Account
- A withdrawal account is the bank account you register so a casino can send your winnings back.
A bank transfer limit is the most one transfer can carry, and two parties can set it: the rail that moves the money and the bank that sends it. Knowing which one is stopping you saves you from retrying the same amount three times. This page walks through InstaPay, PESONet and your own bank’s cap, using the Bank Transfer figures held on this site.
What sets your bank transfer limit
Three layers decide how much one transfer can carry. Check them in this order and you will find the one that is blocking you.
- The rail. InstaPay carries up to PHP 50,000 per transaction.
- The other rail. PESONet has no scheme-wide cap, so its ceiling is whatever the next layer allows.
- Your own bank. The sending institution may impose its own cap on either rail, and that cap can be lower than the rail’s.
The rail’s figure is the same for every bank. Your bank’s figure is yours alone, and the only place it is printed is your bank’s own app, branch or support line.
InstaPay and PESONet compared
| Rail | Per-transaction ceiling | When it settles | Who can lower it |
|---|---|---|---|
| InstaPay | PHP 50,000 | Around the clock, in real time | The sending bank |
| PESONet | No scheme-wide cap | Same banking day, if the instruction beats the cut-off | The sending bank |
The practical difference is speed against size. InstaPay is immediate but stops at PHP 50,000, while PESONet takes the larger amounts and waits for the banking day. For the full picture of the rail itself, read the bank transfer casino rail explained page.
Which rail carries a large transfer
The amount usually decides the rail. A transfer above InstaPay’s PHP 50,000 ceiling is pushed onto PESONet.
An example with round numbers: a PHP 30,000 transfer fits inside InstaPay and arrives at once, while a PHP 120,000 transfer is over the ceiling and travels by PESONet, arriving the same banking day if you send it before the cut-off. Your bank’s screen usually picks the rail for you, so read the confirmation line before you press send.
Fees on a bank transfer
Banks vary in what they charge, and the sending institution may charge on either rail. The receiving side is never charged, so the person getting the money receives the full amount.
Before you send, read your bank’s fee table for the rail you are about to use. A fee that is small on one transfer adds up if you move money often.
| Who | Charged on a transfer? |
|---|---|
| Sender | Possibly, set by the sending bank |
| Receiver | No, on either rail |
Wallet limits are a separate thing
A wallet’s own limit is not the rail’s limit. Maya, for example, states its own InstaPay out limits per tier: at the Upgraded tier they are PHP 50,000 daily and PHP 100,000 monthly, while at Basic bank transfers are not available. Those are Maya’s figures, and you can see how a tier changes them in the Maya upgrade account steps.
For the wider picture of wallet tiers and ceilings, start from the e-wallet limits overview. If your question is about where money can be paid out to, the rules on the withdrawal account name match explain why the receiving account must be in your own name.
FAQ
What is the InstaPay limit per transaction?
InstaPay carries up to PHP 50,000 per transaction. Anything larger has to go by PESONet or be sent in a way your bank allows.
Does PESONet have a limit?
No scheme-wide cap applies on PESONet, but the bank sending the money may set its own. Open your bank's transfer screen or ask the bank to see the figure.
Who sets my bank's own transfer limit?
Your bank sets it, and it can differ per customer and per channel. Look in your banking app's limits or transfer settings, or ask the bank directly.
Is the receiving account charged for a transfer?
No. The receiving side is not charged on either rail, though the sending bank may charge you a fee, so read its fee table before you send.