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# Why must the recipient link their bank account to InstaPay Philippines?

We have partnered with InstaPay Philippines that allows money to arrive in **20 minutes** using Bank Transfer (Instant Speed). If the recipient’s bank account is not linked to InstaPay yet, transactions with Instant Speed may delay and take up to 1 day for the money to arrive.

To ensure the delivery speed is still within 20 minutes, make sure that your recipient has linked their bank account to InstaPay.