Same with posting of credit card transactions, any transaction using a BPI account, say a Savings account, will have a pending or “Txn after cut off” status first. BPI then posts the transaction details after one business day or longer depending if the transaction was made over the weekend, a holiday, or whatever.
Based on my experience, the details of transactions made on Saturday, Sunday, or Monday are posted every Tuesday, but that may not be the case all the time. Factors like system issues, upgrades, holidays, etc. might cause a delay.
Here’s an example:
I made the 10 peso transaction on Saturday and the 3,999 payment on Monday:
It just shows the same status: “Txn after cut-off”
Now, the system posted the transaction details for both on Tuesday:
I usually ignore the dates when checking transactions. However, in this case, I noticed that BPI did not post the exact transaction date for the 10 peso amount. I made it last Saturday (August 1). But then, the app shows August 3 same with the card payment. 🤔
If you noticed an unrecognized transaction with “Txn After Cut Off” status, it’s best to contact BPI right away. They can check what the transaction is for; same with pending credit card transactions.