BPI Mobile - TXN After Cut-off
BPI Mobile – TXN After Cut-off

Imagine my surprise to seeing a 10k deduction on my BPI account one Sunday morning and the description was “TXN AFTER CUT-OFF“.

Should you panic?

My first reaction was to do an inner panic where my brain creates the following scenarios:

  1. OMG I got scammed?! But where? When? Why?
  2. Is this a system glitch? How come this happened only now? Am I lucky or unlucky?
  3. Does BPI know about this? I need to call their hotline asap!
  4. How about Google? Is this an isolated case? Maybe it has happened to someone else?

Of all the scenarios, the first thing I did was to check Google and did a search to know more about it.

Define: TXN After Cut-off

I found out that “TXN After Cut-off” is a generic description used for all transactions that happens on a non-banking day (e.g. Holidays and weekends) or during evenings (I think around 10pm or so).

Let us take for example that you sent or received money on your account on a Sunday. If you check your account on Sunday then you would see “txn after cut-off” for that activity. You will see the updated details by Tuesday.

Here’s a snippet I got from BPI.

For purposes of dating my transactions, I understand that a bank cut-off time has been implemented. All transactions done before the designated bank cut-off will be posted to my account on the same day. Transactions after cut-off on a banking day or completed on a Saturday, Sunday or banking holiday will be posted on the next banking day.

BPI Transaction Code / Numbers

You can take a look at the numbers and description on your transactions to help you investigate / remember your activity.

Number / CodeDescriptionPossible Transactions
0331CREDIT MEMOInstapay Transaction
Incoming to you
05SISERVICE CHARGEDid you do a transaction on a non BPI ATM?
Interbank Fund Transfer

Incoming to you
1411ATM WITHDRAWALATM Transaction – Withdrawal

Outgoing from you

Incoming to you

Outgoing from you
BPI to Gcash (G-XCHANGE)
4348ELINK PAYMENTInterbank Fund Transfer
Remittance (Wire Transfers)
GCash Bank Transfer to your BPI Account
4445ELINK TRANSFERSaveup Auto Deduction

What can you do?

So to avoid panic, please take note of the following steps:

  1. Take note of the transaction amount
  2. Try to remember any transactions that you may have done from the last banking day to now. It doesn’t matter whether it is a debit or credit transaction.
  3. If you can remember that activity and it matches the amount on your account then you can rest easy as it will be updated by next banking day.
  4. However, if you cannot remember or you feel that there’s something wrong then you should contact BPI regarding your concern.

Based from my experience, I usually remember what transaction or activity I did so I do not panic anymore.

Till next time,


30 replies on “BPI’s Mysterious TXN AFTER CUT-OFF”

I used my BPI card to another bank machine to withdraw my salary but can’t dispense cash and I check my online bpi account then I saw the deduction amount it was 3,900! what can I do and it appears to my online account TXN AFTER CUT-OFF

Hi i made a transaction on the atm machine but the atm did not dispense money then i check my online bpi banking it sayd debit memo txn after cut off but my available balance is still the same.. what does it mean?

Same issue happened to me on my special day. Just yesterday actually. The lady in the bar swiped my BPI card 4x and error occurred. Then I gave my other card BDO for her to charge me. To my surprised when I arrived home I automatically checked my BPI’s trasaction history says: TNX cut off of P1,163.90. This needs to be sort out with immediate effect. We are in 2017 almost welcoming 2018. Please do.



I shopped at lazada and used the lazwallet payment then cash in via my debit card (with funds) the. Transaction got said unsuccessful but I still got deducted. What to doo

Dec 27 i have 13,000 pesos + funds on my bpi acct. Then i checked my online account yesterday it says 0431 debit memo and my acct was deducted amounting to 8,015 pesos and 5215 pesos. Remaining bal is 26 pesos. Then i checked again today the 29th of december, now the deduction changed from 8,015 it became 8000 pesos and 5200 pesos and it was tagged as 1417 Expressnet/MEGALINK WITHDRAW. Remaining bal now is 56 pesos. What does this mean?

Hi what if my friend pass my 3200 and last friday night 10:07pm, then i just recieve 500 pesos tuesday 4:08pm and it says TXN AFTER CUT OFF. How about the remaining 2,700 will it be posted to my account next banking days ?

I transferred 1k to my other account which is bdo. And it was deducted in my bpi account, but I do not receive any 1k in my bdo account. And it says in bpi that txn after cut off, what should I do?

Might have been a problem with Instapay. Double check your BPI after a day to see if the changes were reversed or not. As for BDO, you may want to call their customer service if it doesn’t reflect within the day. Instapay should be instant though.

I’ve got the same problem right now. I’m thinking of a cut-off in their system given that it’s a friday and I transacted around 3:45 PM but I’m still a little bit worried. Is there a possibility that the funds are gonna reflect on my BDO account the next day after the transaction was made? Gahd, super gipit ko pa naman these days.

Hello how about i transfer bpi to gcash then it was successfully transfer . Amounting of 7800. It was 3455 code then monday sept 15. When it will be disbursed my money ?! Thanks in advanced

It should have updated on your BPI account this Tuesday. However, you should have received the money in your gcash account immediately (since it is via instapay)

My experience last week is about paying grabfood thru my BPI instapay. Grab said there was no transaction made but as per transaction history and email confirmation, it was successful. I am thorned between unresponsive vendors right now.

Thank you but im still confused with the 0431 Debit memo, this is a repeat on my account same amount every 27 of the month last month it was tagged as 1414 EPS. Will this charges credited back. I havent heard from BPI about this

Dec 27 i have 13,000 pesos + funds on my bpi acct. Then i checked my online account yesterday it says 0431 debit memo and my acct was deducted amounting to 8,015 pesos and 5215 pesos. Remaining bal is 26 pesos. Then i checked again today the 29th of december, now the deduction changed from 8,015 it became 8000 pesos and 5200 pesos and it was tagged as 1417 Expressnet/MEGALINK WITHDRAW. Remaining bal now is 56 pesos. I went to the bank they said 2 to 3 weeks investigation

Hi, I am currently in Spain right now and I tried to withdraw here using my bpi debit card. The atm machine did not dispense any monthly stating that “there’s technical issue” with my card. However, when I checked my bpi mobile app, almost Php 20,000 was deducted. Will I receive my money back?

I had the same issue today,I withdrawn 10k (2 transactions total of 20k) on my BPI and I was confident that theres still around 20k left on my card.Upon checking my online banking there were 2 transactions that says 0431 debit memo for 20k! The only amount left on my card is P1500. Will that be credited back to my account?

Had the same problem with you 😭 Just this morning, my bank transfer was unsuccesful but my history showed TXN afer cut-off debit memo 😭

Same thing just recently happened to me, occured yesterday which was a Holiday, Feb 25, 2021. It is hard to rest easy especially if you have lost your hard earned money. I will update once the amount is credited back. Anyone here knows a working hotline number to contact BPI customer sevice? They’re 1800 is always busy. Thanks for any help.

Hi Jor, I also had the same experience with you just yesterday, Feb 27, 2021. Until today Feb 28, I’ve been waiting for my money bank. It was an online fund transfer from my BPI debit to BDO. I’ve been seeing that there are persistent delays and errors same with other BPI users. I really prefer BDO, no delays and hassle. Will be waiting til tuesday for this to be credited back. It’s best to call your BPI branch.

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