InstaPay and PESONet | Sterling Bank of Asia

Now you can do business 24/7 and transfer funds to any local bank or pay your merchants anywhere you are.

FEATURES	InstaPay	PESONet
Transaction Amount Limit	Php50,000 per transaction	Up to Php500,000 but subject to receiving bank’s maximum amount per transaction limit
No. of Fund Transfer Transactions Per Day	No limit	No limit
Service Availability*	24/7; all year round	24/7; banking days only
Availability of Funds to the Recipient’s Account	Real-time credit	Cut-off Schedule: Before 10:00 am - Transaction will be processed not later than 12:00 pm of the same banking day Before 1:00 pm - Transaction will be processed not later than 3:00 pm of the same banking day Before 4:00 pm - Transaction will be processed not later than 11:00 pm of the same banking day After 4:00 pm, weekend, or holiday - Transaction will be processed on the next banking day
Channels	Sterling Bank Online - Business for corporations and businesses Optima ePayments	Sterling Bank Online - Business for corporations and businesses Optima ePayments Branch Over-the-Counter (OTC)
Transaction Fee via Sterling Bank Online	Php15.00 per transaction	Php15.00 per transaction
Transaction Fee via Over-the-Counter (OTC)		Php30.00 per transaction

Click here for the Lists of PESONet participants.

Click here for the Lists of InstaPay participants.

Bank on-the-go

Make transactions on-the-go with Sterling Bank's mobile app, available on iOS and Android.

With Sterling Bank Online, you can address your banking needs with ease, anytime, anywhere.

Manage your funds, pay bills and more through seamless and secure online banking right at your fingertips.

Never Click That Link

Sterling Bank of Asia will never send links via SMS, email, or any messaging app.

Avoid clicking links from emails and text messages.

Never share your username, password and OTP.

Always verify by contacting the bank's customer service helplines.