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.

BDO says that if your time is flexible, send money during non-peak hours or non-office hours.
Send anytime between 4pm and 10am,
but before making your transaction, check first your BDO online inbox if there's an advisory on maintenance.

Unsuccessful transaction

55 Comments

Zab said…
How about IST21: Unsuccessful Transaction????
Unknown said…
How about SQL unsuccesful transaction?
Marvz said…
How about IST21 what's that? I want to send money to my sis but the transaction is unsuccessful.
Marvz said…
Same here. I also encountered it.
Enone23 said…
How about IST debited? Unable to process your request. Account has been debited. But I didnt receive funds on my gcash.
Enone23 said…
Can I get my money back?
Nora said…
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.
Unknown said…
same ..anyone with an answer to this?
Unknown said…
any answer to this?
Unknown said…
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
Nora said…
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.
Unknown said…
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
Nora said…
Hi, ibabalik ang pera mo. Natatagalan kasi kulang ng employees. Hindi nakakapasok ang marami kasi walang public transpo.
Anonymous said…
Hi. What if the status is "IST Debited" but my account wasn't deducted realtime. Will it get deducted later?
Carmz said…
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?
Unknown said…
Same experience 🥺
Unknown said…
sane here Ngayon ngayon lang din.
Unknown said…
I also had the same experience. Did you submit the issue po?
Anonymous said…
Same here po, did u contact them?
Unknown said…
Same here. 🥺
Unknown said…
Do we need to inform them pa ba?
Nora said…
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.
Alvin said…
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.
Arvie said…
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.
Anonymous said…
disabled po ata un message system ni BDO sa facebook :(
Carmz said…
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".
Anonymous said…
Same here ngaun lang pero hnd nabawasan ung balance ko i did twice akala ko kse slow connection lang kaya nag loko
Unknown said…
Ganun din po sakin.. Mababalik pa nman po yun diba
Unknown said…
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
Unknown said…
Please help me worried din po ako sa account ko baka dina mabalik yung pera.
Unknown said…
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.
Unknown said…
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..
Unknown said…
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.
Unknown said…
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
Jamepaul said…
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
Nora said…
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.
clarence said…
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
Unknown said…
mam naexperience nyo n rin po b ung ganon?
Nora said…
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.
Nora said…
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.
Anonymous said…
Hi. naibalik po ba ung pera? Im experiencing the same po right now eh. thank you
Jc Fuifi said…
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?
Nora said…
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.
Jc Fuifi said…
Thank you ma'am di ko nasabi po psbank po ang pinag sendan ko check ko nalang din po
Unknown said…
Hi. Naayos na po yung sa inyo? I expriencing the same. Thank you
Anonymous said…
I have experienced this just now and it's a real DRAG to me. But in my case it just says unsuccessful transaction i dont see any IST or etc but im assuming it's the same issue that i am having right now. Because when i transferred my BDO balance to gcash it says that "This function isn't available right now" etc. i forgot the full sentence but that's almost 98% correct then i immediately checked my balance and it deducted it from my balance but wasn't reflected to my Gcash balance. So i want to ask you ma'am Nora does my issue is the same as this IST thing and if im really going to get my money back.
Dren said…
Hi Carmz, did you already got your money reversed? IF so how long did it took them to reversed it in your account again? Your response will be much appreciated!
Nora said…
Hello, yes, since the system said it was unsuccessful, it should be able to correct itself and automatically start the process to refund your money. Based on customer complaints on the BDO Facebook page, there were a lot of transfers to GCash that were not transferred successfully. They said it could be due to the high volume of transfers that affected the systems of BDO, Instapay or GCash. They advised to check your "Transactions" after a day to see if it was transferred later or not. They also said the system will automatically do the refund in case it was not transferred. If you like, you can check out these: https://www.facebook.com/BDOUnibank/ or https://www.facebook.com/BDOCustomerCare/
Anonymous said…
Hi nora, it's been 2 days since but i haven't received anything yet to my Gcash nor BDO balance and i checked my transaction history in BDO application and it still says that it is unsuccessful i tried emailing them but to no avail i haven't received any response and they stop receiving any Private Messages from their main facebook message and noone's answering in their Facebook page BDO Costumer Care
Nora said…
Hello, it's sad, but it will take several days before you can have your refund, based on comments on BDO's FB. It's also a long weekend, in addition to BDO's skeletal workforce problems. Screenshot your BDO transactions, transaction history, and balance history in case you'll need them for proof later on. I hope you get your money back this coming week.
Unknown said…
What does IST21 error message means?
Nora said…
Based sa reply ng BDO sa Facebook page nila, IST21 error is BDO-to-BDO transfer na unsuccessful transaction. Merong problem yong receiving BDO account, either closed na or dormant. Dapat hindi na-deduct yong tinatransfer na amount. Pero kung halimbawa na-deduct, dapat maibabalik sa account mo in a few days without you calling BDO about it. Take screenshots of your transaction just in case you need it later on when it's not returned within a week.
Unknown said…
Mababalik pa po kaya yung niload ko pero binawas sa balance ko. Kinontak ko na messengers nila pero puro automated response. Yung call center email nila ang tagal sumagot. Nung wednesday pa po yun hanggang ngayon wala pa. 😞
Nora said…
Hi, dapat mabalik. Most likely, marami silang complaints, at di kaya ng personnel nila. Antayin mo this week. Then copy paste then send mo uli yong complaint mo: concern: Return __ pesos for paid Globe purchase not loaded, date and time, name, account no. It's okay to send account number (it's the atm card 16-digit number, 3-digit security code, and expiry date that you should never share).
Cha said…
ist43? ever since inopen ang bdo account na ito wala ni isang naging successful transaction to send money either to another BDO or local bank.. pero receive ng monoey is no problem.. nakaenroll naman sa online banking at mobile app, pati yung pagsesendan ko ng money naka enroll and approved na.. pero still IST43: Unsuccessful transaction. paano ayusin ito?
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