Real Time Gross Settlement


Discover the convenience of RTGS services at APCOB Bank, where you can securely transfer large sums of money in real-time, ensuring your high-value transactions are processed with
speed and precision.


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    1. What is RTGS?

    RTGS stands for Real-Time Gross Settlement. It is a system where the transfer of money or securities takes place from one bank to another on a "real-time" and "gross" basis. This means that transactions are settled individually and without netting, ensuring immediate and complete settlement of funds.

    2. How does RTGS work?

    RTGS works by transferring funds from the sender's bank to the receiver's bank in real-time. The transactions are settled individually, meaning each transaction is processed and settled immediately upon request.

    3. What is the minimum and maximum amount that can be transferred through RTGS?

    The minimum and maximum amount for RTGS transactions vary by country and banking institution. Generally, there is no upper limit for RTGS transactions, but there might be a minimum threshold, such as in India where there is no minimum limit for RTGS transactions.

    4. What are the operating hours of RTGS?

    RTGS operating hours also vary by country and banking institution. In many countries, RTGS operates on working days and during banking hours. It typically does not operate on weekends or public holidays.

    5. Is RTGS secure?

    Yes, RTGS transactions are highly secure. Banks use encryption and other security measures to ensure the confidentiality and integrity of the transactions. Customers are often required to authenticate themselves using multiple factors, such as passwords, tokens, or biometrics, to initiate an RTGS transaction.