BankCom [Personal] lists three PESONet processing times and a separate per-transfer limit.
Short answer Bank of Commerce lists 9:00 AM, 12:00 noon and 3:00 PM processing cycles for PESONet in BankCom [Personal]. Transfers after the 3:00 PM cycle go to the next banking day’s first cycle. These are the bank’s processing times, not a promise of the exact time a recipient will see the money.
At a glance
- ChannelBankCom [Personal]Bank of Commerce ↗ ·
- PESONet per-transfer limit₱500,000Bank of Commerce ↗ ·
- After the last cyclenext banking day’s first cycleBank of Commerce ↗ ·
BankCom PESONet processing times
The bank’s FAQ describes these windows for BankCom [Personal]. Times below are Philippine time (PHT).
| When the transfer is submitted | BankCom processing time |
|---|---|
| 12:01 AM–9:00 AM | 9:00 AM that day |
| 9:01 AM–12:00 noon | 12:00 noon that day |
| 12:01 PM–3:00 PM | 3:00 PM that day |
| After the 3:00 PM cycle | First cycle on the next banking day |
The FAQ describes processing cycles; check the confirmation screen and the bank’s current advisories for the expected arrival of a specific transfer. Weekends and holidays affect banking-day processing. Do not assume a displayed time is the recipient’s credit time.
Processing and settlement are different
The Bangko Sentral ng Pilipinas describes PESONet as a batch electronic fund transfer system. Its three-cycle FAQ, dated August 27, 2024, sets out scheme settlement cycles at 10:00 AM, 1:00 PM and 4:00 PM. The BankCom times above are its own customer-facing processing times; they are not the same milestones.
BSP says funds are typically credited within two hours after the receiving institution gets the inward clearing advice. Its 2024 FAQ also describes an initial rollout grace period. Actual timing can depend on the institutions involved. See the PESONet guide for other banks’ cut-offs and the difference between settlement and crediting.
Transfer limit and choosing the rail
BankCom’s FAQ lists a PESONet limit of ₱500,000 per transaction in BankCom [Personal]. It separately lists ₱50,000 per transaction for InstaPay. These are the bank’s stated limits for the relevant channel, ; review your own account and transaction screen for applicable conditions.
For other institutions, consult the transfer-fee comparison and the InstaPay guide. The receiving account must be at a participating institution; the PESONet participant list explains how to check.
Steps
- Open BankCom [Personal] and choose the option to transfer to another bank.
- Select PESONet as the transfer type.
- Enter the recipient’s details and the amount. Review the bank’s confirmation screen and applicable conditions before submitting.
- Save the transaction reference so the sending bank can identify the transfer if you need help.
Warning Check the recipient’s bank and account number before confirming. If you notice a transaction error, contact BankCom immediately. Its FAQ says correction, including a reversal request, is not guaranteed to be immediate.