QUESTION:
I tried to send money to my friend's BDO account using Send Money to any BDO Account on my BDO mobile app, but it was not sent. I got this response instead:

The transaction was unsuccessful.
IST04: Unsuccessful transaction

What does this IST04 mean?

ANSWER:

  IST04 means the BDO account you are transferring to is already a closed account.
  Obviously, you can no longer send money to a closed account.

  There's a similar unsuccessful transfer transaction. See below:

The transaction was unsuccessful.
IST02: Unsuccessful transaction 

IST02 means the account you are sending to is a payroll account that accepts only deposits or transfers from a linked company account.  It does not accept deposits or transfers from other entities.

Other reasons that could make your online or mobile transfers not successful:

. You are transferring to a Cash Card which has maximum balance limits: 10,000 pesos for generic cash cards; 25,000 pesos for with-name cards.

. You are transferring to a non-peso account.  Use Wire Transfer instead.

. You are transferring more than 10,000 pesos. Maximum limit per transfer is 10,000 pesos.

. You have already transferred 50,000 pesos for the day.  Maximum total amount of money transferred per day per sending account is 50,000 pesos.

. You have already  made 5 transfers for the day. Maximum number of Send Money transfers per day is 5.

43 Comments

  1. How about IST21: Unsuccessful Transaction????

    ReplyDelete
    Replies
    1. Same here. I also encountered it.

      Delete
    2. same ..anyone with an answer to this?

      Delete
  2. How about SQL unsuccesful transaction?

    ReplyDelete
  3. How about IST21 what's that? I want to send money to my sis but the transaction is unsuccessful.

    ReplyDelete
  4. How about IST debited? Unable to process your request. Account has been debited. But I didnt receive funds on my gcash.

    ReplyDelete
    Replies
    1. Ganun din po sakin.. Mababalik pa nman po yun diba

      Delete
  5. Can I get my money back?

    ReplyDelete
  6. Hi Enone23, merong mga glitches and delays ngayon ang BDO Send Money kasi limited ang manpower nila due to the covid issue. Sa Facebook page ng BDO ngayon, ang daming complaints about Send Money and remittances.
    About refund, yes, BDO will return your money, if it's unable to connect with GCash, pero refund/reversal/credit-back will take time. Sa FAQ nila, it says 7 days to return the money, pero baka it will take more days pa.

    ReplyDelete
    Replies
    1. mam naexperience nyo n rin po b ung ganon?

      Delete
  7. That's my problem din po since yesterday,kc nagsend din aq ng money via online banking, pero when i press confirm its says it's Unsuccessful, and i did it twice pa, so they deducted on my account double the amount that i wanted to send, my problem now is how can i get back the money that they deducted on my account, im trying to call bdo hotline, no one answer

    ReplyDelete
    Replies
    1. Hi, kapag Unsuccessful, ibabalik ang pera mo sa account mo, pero malamang it will take more than a week now due to limited manpower. Only a few employees are able to travel to BDO branches.

      Delete
  8. Paano po kaya ung hindi nmn pumasok ung trinasfer ist debited po nakalagay and di nmn successful un but nag less sa account its been 4 days na pero di na bumabalik un money ko

    ReplyDelete
  9. Hi, ibabalik ang pera mo. Natatagalan kasi kulang ng employees. Hindi nakakapasok ang marami kasi walang public transpo.

    ReplyDelete
  10. Hi. What if the status is "IST Debited" but my account wasn't deducted realtime. Will it get deducted later?

    ReplyDelete
  11. Hi, my money got deducted from my account, it's labeled as "IST debited". Ask ko lang if they're going to refund the money automatically or do I have to contact them?

    ReplyDelete
  12. sane here Ngayon ngayon lang din.

    ReplyDelete
  13. I also had the same experience. Did you submit the issue po?

    ReplyDelete
  14. Same here po, did u contact them?

    ReplyDelete
  15. Do we need to inform them pa ba?

    ReplyDelete
  16. Hi to everyone whose accounts were debited but got a message that the transfer was not successful: Your money will be returned even without you calling BDO, but it will take a longer time during this covid-19 crisis. They said it might take a week, but in reality, it might take more than a week. You can also go to the official Facebook page of BDO and send them a Private Message: https://www.facebook.com/BDOUnibank/. Give them your name and account no., savings or checking account, what is the transaction, date of transaction, amount, what happened, what do you want to happen.
    Reminder: Never give anyone (even to a BDO employee) your OTP, your atm card number, card's expiry date and 3-digit security code. BDO will never ask these things.

    ReplyDelete
    Replies
    1. disabled po ata un message system ni BDO sa facebook :(

      Delete
  17. Hi po! pano po pag IST debited tapos ang error message" Sorry, this function is not available at this time. Please try again later. Your account may have been debited please check your balance before making another transaction."
    Nabawasan kasi ako pero inde sya pumasok dun sa pinagtransfer ko.

    ReplyDelete
    Replies
    1. Hi. naibalik po ba ung pera? Im experiencing the same po right now eh. thank you

      Delete
  18. Same Issue here. :( IST Debited din. nabawasan yung account ko. Pano po ba gagawin dito? Will this be automatically credited. Di siya pumasok sa G-Cash. :( hays hirap pa naman sa panahon ngayon.

    ReplyDelete
  19. This happened to me yesterday afternoon, money was debited from my account and was labeled as IST debited but it was not transferred to my Gcash.

    I did not call them but the money's been transferred to my Gcash account just now. Received a text saying "Your Gcash Wallet has been adjusted".

    ReplyDelete
  20. Same here ngaun lang pero hnd nabawasan ung balance ko i did twice akala ko kse slow connection lang kaya nag loko

    ReplyDelete
  21. Same din po skin twice ako nag try kasi akala ko may problema lang sa server.. Then Suddenly pag back ko sa account ko nabawasan na po ako ng amount sa balance ko.. What should I do po para marefund yung nadebit saking amount.? Medjo malaki po kasi yung nabawas kaya I'm worried po na baka hindi na mabalik sakin yung pera ko.. Pls help me po

    ReplyDelete
    Replies
    1. Ganyan din po nangyari sakin nung sunday pero until now di pa din nababalik yung amount na nabawas sa balance ko.. Wala nman sumasagot sa bdo halos araw araw ako tumatawag sa kanila..

      Delete
  22. Please help me worried din po ako sa account ko baka dina mabalik yung pera.

    ReplyDelete
  23. IST Debited din. nabawasan yung account ko. Pano po ba gagawin dito? Will this be automatically credited. Di siya pumasok sa G-Cash ko. Please help me through this.

    ReplyDelete
  24. Count me in BDO online banking sucks nagpadala ako ulit need ng family ko for their weekly,unsuccessful nga pero kinaltasan naman account ko sakit sa ulo ung BDO minsan walang email about reference number,been using BDO online banking for 2yrs it such the pain in the ass,di ko lng alam maibabalik pa ba ung pera ko in my 1st unsuccessful transaction.

    ReplyDelete
  25. Me too meron na ba sa inyo na nakarefund ng na debit sa inyo mga gano katagal bago bumalik sa inyo pls inform me naman para may idea ako when will i get my money back thanks

    ReplyDelete
  26. Ive done bank transfer and was unsuccesfull. But my account was deducted. How can get my money back? It seems we all have same concern. Is this a glitch? I think its something bdo needs to answer. Specially on this crisis we face they mist not deduct money without sending to receiver. Or else its modus

    ReplyDelete
    Replies
    1. Hi Jamepaul, you're right, BDO must prevent deduction of accounts for unsuccessful transfers, unless it's the account owner's fault (like wrong recipient's account number or name. And if it's BDO's fault, BDO should make the refund process fast. It's so frustrating specially if the amount involved is big.
      Based on comments on my posts, it's usually Send Money for Cash Pickup transactions that have glitches. Maybe this transaction is not fully automated yet, unlike Instapay or Pesonet transactions.

      Delete
  27. hi i have the same issue, walang sumasagot sa mga agents nila, may tendency po b babalik?????my god im so worry na..nid ko p nmn un badly

    ReplyDelete
    Replies
    1. Hi Clarence, yes, ibabalik nila ang pera mo, basta nasa list of transactions mo at ang status is Unsuccessful at andon yong amount na na-debit. Matatagalan nga lang kasi busy sila at hindi pa sila fully staffed.

      Delete
    2. Hindi ko pa na-experience sa Send Money, pero sa loading na unsuccessful, ibinabalik naman nila. Visit the FB page of BDO at magbasa ka ng comments. Puede ka ring mag-PM sa BDO.

      Delete
  28. Sakin naman po successful sya at may ref # tama naman ang account # ng pinag sendan ko kanina pa 5am hanggang ngayon 3:35pm wala pa din ung money bakit po kaya?

    ReplyDelete
    Replies
    1. Hi JC, mukhang may problem ang BDO online banking, pati rin yong sa BPI, kasi maraming complaints sa FB pages nila. Mukhang delayed ang mga transactions. Yong BDO to BDO or BPI to BPI lang yata yong instant. Hope na lang na tomorrow andon na sa pinagsendan mo. Check mo rin yong FB page ng BDO kung anong latest na balita ron.

      Delete

Post a Comment

Previous Post Next Post