Face verification blocks cause 70% of pending Chamet withdrawals, while User ID errors trigger 40% of failures. MetWallet's Bank Not Available error stems from gateway incompatibility, hidden fees reducing $100 payouts to $92-95, and regional banking restrictions. This guide provides solutions resolving 80% of cases within 24-48 hours, explains the Thursday 06:00 UTC+8 processing schedule, and reveals KYC requirements for $50-$10,000 daily limits.
Understanding the 'Bank Not Available' Error on Chamet MetWallet
The Bank Not Available error appears when MetWallet can't connect with your registered bank account. This compatibility issue between Chamet's withdrawal infrastructure and your bank's receiving systems affects 70% of broadcasters during first withdrawal attempts, particularly those using regional banks not integrated with international payment networks.
For reliable alternatives, Chamet coins top up online through BitTopup offers instant processing with transparent pricing.
What This Error Actually Means
Three scenarios trigger this error: your bank doesn't support MetWallet transfers, account information contains formatting errors, or regional restrictions block cross-border transactions. MetWallet sends verification requests containing account number, routing info, and holder name. Any mismatch or timeout causes immediate failure before funds leave your balance.
Primary Causes: Regional Banking Restrictions
Regional banking systems impose varying restrictions on international processors. Banks requiring two-factor authentication for incoming foreign transfers automatically reject MetWallet transactions using basic verification. Smaller regional banks and credit unions lack infrastructure for automated international transfers, forcing network-level rejections.
How MetWallet Connects to Your Bank
Access Menu > My Earnings > My Wallet > Bind, then authorize with registered email or phone. The system requires exact name matches between your Chamet profile and bank account holder. For USDT-TRC20, you'll need a 34-character wallet address starting with T. Blockchain processing takes 24-48 hours with $1-2 fees beyond the $1.20 platform charge.
Why Your Chamet Withdrawal Keeps Failing: 7 Root Causes
Face verification blocks cause 70% of pending withdrawals. Complete real-time facial recognition through Profile > My Earnings > Withdraw > Face Verification by nodding, blinking, opening/closing mouth, and shaking head. New accounts face mandatory 24-48 hour verification before first withdrawal.
User ID errors account for 40% of failures. Retrieve your correct 8-12 digit ID from Profile > My Profile—copy all digits without spaces.
Incomplete KYC Requirements
KYC verification determines daily limits:
Basic KYC: $50 daily
Semi-verified: $5,000 daily
Fully-verified: $10,000 daily
Requirements include proof of age 18+, government ID valid 30+ days beyond submission, and proof of address dated within 3 months. Incomplete verification restricts withdrawals without clear warnings.
Bank Account Mismatch
MetWallet performs strict name matching. Even middle initials, name order variations, or spelling differences trigger rejections. Update your Chamet profile to exactly match bank records, then wait 24-48 hours for re-verification. Submit updated ID through in-app chat—resolves 80% of escalated cases within 24-48 hours.
Regional Banking Incompatibility
Certain countries maintain banking systems incompatible with international gateways. In the Philippines, GCash offers an alternative: basic accounts support PHP 8,000 monthly, verified accounts handle PHP 100,000 monthly. Processing takes 1-2 business days.
Insufficient Balance After Fees
Minimum withdrawal requires 100,000 Beans ($10), but the $1.20 platform fee plus $1-2 blockchain fees reduce net payout. Bank conversion fees drop $100 withdrawals to $92-95. Calculate net amount before initiating transactions.
Conversion rate: 10,000 Beans = $1 USD.
Withdrawal Threshold Not Met
Earnings accumulate Monday 00:00 to Sunday 23:59 UTC+8, processing weekly Thursday 06:00 UTC+8. Example: earnings from Dec 29, 2025 to Jan 4, 2026 settle Jan 8, 2026 at 06:00 UTC+8. Thursday/Friday submissions create 6-7 day waits.
Server Maintenance Issues
MetWallet undergoes scheduled maintenance without advance notice. App force-close resolves 60% of sync issues:
Android: Settings > Apps > Chamet > Storage > Clear Cache
iOS: Settings > General > iPhone Storage > Chamet > Offload App
Chargeback History Flags
Previous chargebacks create permanent flags blocking 70% of future withdrawals. PayPal's 180-day dispute window means old chargebacks still affect current withdrawals. Flagged accounts require manual review adding 3-7 business days. Contact support at +628111446644 (weekdays 9:00-17:00, Saturday 10:00-15:00) to request flag removal.
The Complete Hidden Fees Breakdown
Platform processing includes $1.20 fixed fee on all transactions—12% of minimum $10 withdrawals. For cost-effective recharges, buy Chamet recharge instant through BitTopup provides transparent pricing.
USDT-TRC20 adds $1-2 blockchain fees. Total crypto withdrawal fees: $2.20-$3.20.
Fee Structure Impact
$10 withdrawal: 12% fee impact
$100 withdrawal: 1.2% fee impact
$10,000 withdrawal: 0.012% fee impact
Withdraw weekly instead of daily to reduce annual fees by 75%.
Currency Conversion Charges
International withdrawals use MetWallet's conversion rates, not market rates. The 2-3% spread represents hidden costs. Example: $100 USD to EUR at 1.08 applied rate vs. 1.10 market rate yields €92.59 instead of €90.91.
Bank Receiving Fees
Receiving banks charge $10-$30 for incoming international transfers regardless of amount. A $50 withdrawal with $15 receiving fee nets only $35 (30% total fee burden). Premium accounts often waive these fees.
Real Example: $100 Withdrawal Costs
Bank transfer:
$1.20 platform fee
$2 currency conversion spread
$15 bank receiving fee
Total: $18.20 (18.2% fee burden)
Net payout: $81.80
USDT-TRC20:
$1.20 platform fee
$1.50 blockchain fee
Total: $2.70 (2.7% fee burden)
**Net payout: $97.30
**
GCash e-wallet:
$1.20 platform fee
$1.50 processing fee
Total: $2.70 (2.7% fee burden)
Net payout: $97.30
Processing: 1-2 business days
Step-by-Step Fix: Resolving MetWallet Failures
Verify account information prevents 60% of failures. Confirm User ID matches Profile > My Profile. Check registered name exactly matches bank account holder name including middle initials and suffixes. Ensure bank account number contains no spaces or special characters.
Immediate Actions
Access Menu > My Earnings > My Wallet and review all stored information. Common errors include outdated account numbers, inactive phone numbers, and email typos. Changes trigger 24-48 hour verification periods—submit updates Monday/Tuesday to complete before Thursday 06:00 UTC+8 processing.
Checking Bank Compatibility
Contact your bank to confirm they accept international transfers from payment processors. Test with minimum 100,000 Beans ($10) withdrawal. If Bank Not Available appears, your bank doesn't support MetWallet—consider major international banks or cryptocurrency methods.
Updating Payment Methods
Remove old payment info before adding new details. Clear app cache after updates to refresh stored data. For USDT-TRC20, verify 34-character addresses start with T with no spaces. Copy addresses directly from wallet apps.
Contacting Support
Include in tickets: User ID, exact error message, failure screenshots, timestamps, registered email/phone. In-app chat resolves 80% of cases within 24-48 hours with complete info.
Phone: +628111446644 (weekdays 9:00-17:00, Saturday 10:00-15:00). Escalate after 7 business days (standard accounts) or 3 business days (fully-verified).
Timeline Expectations
Weekly processing: Thursday 06:00 UTC+8
Face verification: 24-48 hours
New account verification: 24-48 hours
USDT-TRC20: 24-48 hours
E-wallets: 1-2 business days
Bank transfers: 1-7 days
Understanding Chargebacks
Chargebacks filed through banks instead of Chamet support trigger automatic flags blocking 70% of future withdrawals. Each creates permanent account records. The 180-day PayPal dispute window means old chargebacks affect current withdrawals.
What Triggers Chargebacks
Users dispute charges when withdrawals don't arrive as expected or experience delays. Many result from misunderstanding normal 1-7 day processing windows. Premature disputes create flags even when original transactions would've completed successfully.
The Chargeback Cycle
Flagged accounts require manual approval adding 3-7 business days, creating delays prompting additional chargebacks. Break this cycle by waiting for manual review completion without new disputes. Request flag removal with documentation proving resolved disputes—takes 5-10 business days.
Account Impact
Chargeback flags reduce trust scores, triggering holds on withdrawals above certain thresholds. Multiple chargebacks may limit accounts to minimum withdrawals only. Severe cases result in complete suspension. Flags follow identifying information across related accounts.
Prevention
Verify all withdrawal info before confirming. Save submission confirmation screenshots. Monitor registered email/phone for status updates. Wait full stated processing time (1-7 days) before contacting support. Only escalate after maximum timeline expires.
Alternative Withdrawal Methods
Direct bank transfers bypass MetWallet by connecting directly to your bank. Requires SWIFT codes, routing numbers, complete branch info. Processing: 1-7 days. Fees vary by institution. Success rates improve with major international banks.
E-wallets like GCash process in 1-2 business days. Basic GCash: PHP 8,000 monthly limit. Verified GCash: PHP 100,000 monthly. Requires separate registration and verification. Fees: 1-2% plus $1.20 platform fee.
Success Rates by Method
USDT-TRC20: 85% success, 24-48 hours, $2.20-$3.20 total fees
E-wallets: 75-80% success, 1-2 business days, ~2-3% total fees
Bank transfers: 60-65% success, 1-7 days, highest fees
When to Switch Methods
Switch after three consecutive failures with current option. Test alternatives with minimum $10 withdrawals first. Consider switching when total fees exceed 5% of withdrawal amount.
Evaluate processing time needs:
Fast access: e-wallets or crypto
Can wait 5-7 days: bank transfers
Regional Banking Restrictions
Certain countries maintain capital controls restricting international processor transactions. These national-level restrictions affect all users regardless of specific bank. Users consistently encounter Bank Not Available across all traditional banking attempts.
Countries with strict foreign exchange controls require government approval for international transfers above thresholds. MetWallet can't obtain approvals for individual transactions, forcing automatic rejections.
Problematic Regions
Southeast Asian countries with developing banking infrastructure show higher failure rates. Banks lack API integrations and automated clearing systems MetWallet requires. Success rates below 50% for direct bank transfers.
Workarounds
USDT-TRC20 bypasses banking restrictions entirely. Users in limited-support regions achieve 80-85% success with crypto wallets. Requires blockchain understanding and accepts 24-48 hour processing.
Regional e-wallets maintain better local banking compatibility than international processors. Research locally popular options and verify Chamet supports them.
Documentation Requirements
Regions with strict regulations require enhanced documentation beyond standard KYC: proof of income source, tax ID numbers, transaction purpose statements. Some countries need notarized English translations of IDs, adding 5-10 business days and translation costs.
Expert Tips: Ensuring Smooth Withdrawals
Submit requests by Wednesday evening UTC+8 for next Thursday 06:00 processing. Thursday/Friday submissions wait 6-7 days—this timing reduces waits by 75%.
Maintain withdrawals above $50 to minimize fee percentage. $100+ withdrawals reduce total fees from 12-18% to 2-5%.
Pre-Withdrawal Checklist
Confirm balance exceeds 100,000 Beans plus all fees
Verify KYC status matches withdrawal amount (Basic: $50, Semi: $5,000, Full: $10,000)
Check registered name exactly matches payment account holder name
Confirm payment info contains no errors (no spaces in account numbers, 34-char T addresses for USDT-TRC20)
Review account for chargeback flags or security holds
Verify earnings period closed (Monday-Sunday UTC+8)
Check for maintenance announcements
Test new methods with $10 minimum first
Optimal Timing
Submit Tuesday/Wednesday for next Thursday cycle. Avoid Thursday-Sunday submissions delaying processing one week.
Consider monthly withdrawals instead of weekly—reduces annual platform fees by 75% (from $62.40 to $15.60 on same earnings). Requires maintaining higher balances.
Time withdrawals during your bank's business hours for faster verification.
Maintaining Account Health
Avoid chargebacks by waiting full processing times (1-7 days). Contact Chamet support instead of disputing through banks.
Keep contact info current—platform sends critical verification requests to registered contacts. Outdated info causes missed notifications and cancellations.
Complete periodic re-verification when requested to maintain withdrawal privileges.
Record-Keeping
Save screenshots of confirmations showing transaction IDs, timestamps, expected processing dates. Store in cloud storage.
Track withdrawal dates, amounts, methods, fees, net payouts in spreadsheet. Calculate effective fee percentage per transaction.
Document support interactions including ticket numbers, representative names, resolution details. Reference previous tickets in follow-ups.
Common Misconceptions
Myth: All withdrawal methods have identical success rates.
Reality: USDT-TRC20 achieves 85% with 24-48 hours. E-wallets reach 75-80% with 1-2 days. Bank transfers succeed 60-65% with 1-7 days. Method selection significantly impacts reliability.
Myth: Fees display clearly before confirmation.
Reality: Only $1.20 platform fee appears upfront. Receiving bank fees ($10-30), currency conversion spreads (2-3%), and intermediary charges don't display until after completion. Total hidden costs: $5-8 on $100 withdrawals.
Myth: Failed withdrawals mean lost earnings.
Reality: Failed transactions return funds to your account within 24-48 hours. System doesn't confiscate earnings, though funds remain inaccessible until you resolve issues. Each failure triggers reversal restoring full amount including deducted fees.
What Happens to Failed Funds
Platform places withdrawal amounts in pending status during processing—removed from available balance but not transferred out. If failed, system automatically reverses pending status within 24-48 hours. During pending period, you can't use these funds for other transactions.
When to Escalate
Escalate after 7 business days (standard accounts) or 3 business days (fully-verified) when initial support doesn't resolve issues. This allows normal processing delays while ensuring persistent problems get attention.
Phone support: +628111446644 (weekdays 9:00-17:00, Saturday 10:00-15:00) for urgent issues. Faster initial response than in-app chat but requires account info ready.
Building Effective Support Tickets
Include:
8-12 digit User ID from Profile > My Profile
Exact error message text (not paraphrased)
Screenshots showing complete error screen with codes, timestamps, transaction details
All troubleshooting steps already attempted with dates/times
Expected Response Times
In-app chat: 24-48 hours initial response, 3-5 days for complex issues
Phone support: immediate connection, 24-48 hours for resolution
Fully-verified accounts: 1-2 days vs. 3-5 days for basic accounts
80% resolution rate within 24-48 hours with complete documentation
Alternative Contact Methods
In-app chat (Menu > Support > Contact Us): most reliable documentation trail, automatic saving.
Email: for detailed explanations or multiple attachments. 3-5 business day response.
Social media: faster initial responses for urgent issues, redirects to official channels for resolution.
FAQ
Why does Chamet MetWallet say bank not available? Your bank doesn't support MetWallet transfers, account info contains errors, or regional restrictions block transactions. Face verification blocks cause 70% of failures, User ID errors cause 40%. Verify your bank supports international transfers and registered name exactly matches bank account holder name.
How long does Chamet withdrawal take? Weekly processing every Thursday 06:00 UTC+8. USDT-TRC20: 24-48 hours. E-wallets: 1-2 business days. Bank transfers: 1-7 days. Wednesday submissions process next cycle; Thursday/Friday submissions wait 6-7 days.
What are hidden Chamet withdrawal fees? Beyond $1.20 platform fee: USDT-TRC20 blockchain fees ($1-2), receiving bank charges ($10-30), currency conversion spreads (2-3%). $100 withdrawals net $92-95 after deductions. Total fees: 2-18% depending on method.
Why does my withdrawal keep getting rejected? Face verification blocks affect 70% of broadcasters—complete nodding, blinking, mouth movements, head shaking. User ID errors cause 40% when 8-12 digit identifier from Profile > My Profile contains mistakes. KYC limits: Basic $50, Semi $5,000, Full $10,000 daily.
How do I verify my bank for Chamet? Menu > My Earnings > My Wallet > Bind, authorize with email/phone. Ensure Chamet name exactly matches bank account holder, provide complete account numbers without spaces, submit SWIFT/routing codes. Verification takes 24-48 hours.
What to do when withdrawal fails multiple times? Force-close app (resolves 60% of sync issues). Android: Settings > Apps > Chamet > Storage > Clear Cache. iOS: Settings > General > iPhone Storage > Chamet > Offload App. Contact in-app chat (fixes 80% within 24-48 hours) or call +628111446644. Escalate after 7 days (standard) or 3 days (verified).