Non-time sensitive is just a more polite way of saying ‘it’s not real-time’. How long will I have to wait for my fund transfer to get credited to my Tonik account?

PESONet processes fund transfers in batches. Most participant banks and e-wallets implement a cut-off time between 12PM to 4PM for same-day crediting. It is still best to check with your (ex)bank what their cut-off time is before doing a fund transfer via PESONet.


If you were able to transfer funds within your (ex)bank's cut-off, the transferred amount will be credited to your Tonik Account after 6:30PM of the same day.