The This Bank Is No Longer Available error blocks thousands of Chamet broadcasters from withdrawing earnings. This guide reveals six proven fixes, from updating payment settings to switching withdrawal methods. 70% of withdrawal blocks stem from verification issues, 40% from User ID errors. USDT-TRC20 offers fastest payout with 24-hour processing versus 1-7 day bank transfers.
Understanding the 'This Bank Is No Longer Available' Error
What This Error Means
This message appears when Chamet's payment system can't process transactions to your linked bank. It's not a temporary delay—it indicates fundamental incompatibility between your bank and Chamet's payment infrastructure. Banking partnerships change based on regional regulations, transaction volume, and compliance requirements.
Your earnings remain secure in your Chamet wallet (Me tab > Wallet), but you can't transfer funds until resolving the issue. Minimum withdrawal: 100,000 Beans ($10 USD). Withdrawal button appears at 1,200+ Beans. For immediate access, Chamet coins top up through BitTopup provides reliable alternatives.
How Chamet's Payment System Works
Chamet operates weekly settlement cycles (Monday-Sunday, UTC+8). Bean exchanges process every Thursday at 06:00 UTC+8. Submissions made Thursday/Friday wait 6-7 days for next processing. Submit by Wednesday evening UTC+8 for Thursday processing with funds arriving in 1-2 business days.
Conversion rate: 10,000 Beans = $1 USD. System fee: $1.20 across all methods.
Daily withdrawal limits by verification level:
Basic: $50
Semi-verified: $5,000
Fully-verified: $10,000
Common Trigger Scenarios
Three primary causes:
Bank discontinued partnership with Chamet's payment gateway
Platform updates migrated to new payment processors
Incomplete/outdated account information creates mismatches
Risk control blocks affect 70% of broadcasters, often appearing as bank errors when verification inconsistencies exist. 40% of failures trace to 8-12 digit User ID errors where details don't match verification documents.
Why Your Bank Is No Longer Available: 5 Root Causes
Banking Partner Policy Changes
Banks periodically revise policies on live streaming platform transactions. Some classify these as high-risk due to international transfer complexities. When banks exit partnerships with Chamet's processor, all accounts using that institution immediately show no longer available.
Regional regulations create geographic restrictions. A bank supported in one country may be unavailable in another due to cross-border limitations.
Platform Updates and Gateway Migrations
Payment infrastructure upgrades temporarily disrupt withdrawal routes. When Chamet migrates to enhanced gateways, transition periods may render certain banks incompatible until integration completes.
2026 system emphasizes faster processing and digital wallet support, phasing out slower traditional banking channels. USDT-TRC20 processes in 24 hours versus 1-7 day bank transfers.
Verification and KYC Issues
Face verification blocks cause 70% of pending withdrawals. System requires nodding, blinking, opening/closing mouth, shaking head to confirm identity. Incomplete verification prevents authorization of any withdrawal method.
KYC requirements:
Basic: Government-issued photo ID (30+ days before expiration) + face verification
Semi-verified: Proof of address within 3 months
Fully-verified: Additional financial documentation
Processing: 24-48 hours
Bank Account Mismatches
Details not matching verification documents trigger security protocols. Common issues: name spelling variations, outdated account numbers, incorrect routing information.
User ID errors affect 40% of failures. The 8-12 digit identifier must be copied exactly from Profile icon > My Profile. Minor mistakes cause system rejection.
Temporary Disruptions
Scheduled maintenance and technical issues occasionally disable specific methods. These resolve within hours to days, but error messages look identical to permanent incompatibility.
In-app chat handles 80% of issues with 24-48 hour response times.
Fix 1: Update Bank Account Information
Access Payment Settings
Tap profile icon > My Earnings
Select Withdraw button
View currently linked payment methods
Screenshot your bank's official account info for accuracy
Correct Format for Entry
Enter full legal name exactly as on government ID and bank documents—middle initials, suffixes, spacing must match perfectly. Account numbers: all digits without spaces/dashes unless bank format requires them.
For international accounts: include SWIFT/BIC codes and IBAN. Routing numbers must correspond to specific branch location.
Verification Timeline
After updating, system requires 24-48 hours for verification. You can't process withdrawals during this period. Platform sends in-app notifications confirming success or requesting additional documentation.
If 48 hours pass without confirmation, contact support via in-app chat with screenshots.
Fix 2: Switch to Supported Bank
Check Current Supported Banks
Access Me tab > Wallet > Withdraw > Select method to view all available options for your region. List updates dynamically as partnerships change.
If your bank doesn't appear, open account with supported institution or switch to alternative methods.
Best Banks for 2026
Prioritize institutions with international payment processing and strong digital infrastructure. Banks with robust mobile apps provide better tracking.
For Philippine users: GCash offers PHP 8,000 monthly basic limit, expanding to PHP 100,000 for verified accounts. More reliable than traditional banks due to faster processing.
Add New Bank Account
Select Add New Payment Method
Choose supported bank
Enter required information matching verification documents
Complete face verification if prompted (Profile > My Earnings > Withdraw > Face Verification)
Wait 24-48 hours for approval
Fix 3: Clear Cache and Re-Link Payment
Why Cache Clearing Helps
Corrupted/outdated cache causes sync issues between device and servers. When cached payment info conflicts with server records, system incorrectly flags banks as unavailable.
Force-closing and restarting resolves 60% of sync issues.
Cache Clearing Instructions
iOS:
Settings > General > iPhone Storage > Chamet
Tap Offload App then reinstall from App Store
Or delete completely and reinstall
Log back in
Android:
Settings > Apps > Chamet > Storage > Clear Cache
For deeper issues: Clear Data (logs you out)
Force-stop app, wait 30 seconds, reopen
Re-Link Bank Account
After clearing cache, verify bank account appears correctly. If disappeared, re-add using exact official banking documents.
Test with minimum withdrawal of 100,000 Beans ($10). If error persists, issue extends beyond cache problems.
Fix 4: Complete Identity Verification
Required Documents
Basic KYC: Government-issued photo ID (passport, driver's license, national ID) with 30+ days before expiration. Must show full legal name, DOB, photo, ID number clearly.
Semi-verified: Proof of address within 3 months (utility bills, bank statements, government correspondence).
Fully-verified: Additional financial documentation.
Avoid Common Rejections
Face verification failures (70% of pending withdrawals) due to poor lighting, partial face visibility, incomplete actions. Position face centered with even front lighting. Complete each action deliberately.
Document rejections from image quality, expiration dates, name mismatches. Photograph ID on contrasting background with all corners visible, text readable. Name must match exactly across Chamet profile, ID, and bank account.
Expedite Approval
Submit weekdays for faster processing. Standard 24-48 hours often completes quicker Monday-Wednesday. Weekend submissions wait until following business week.
If exceeds 48 hours, call +628111446644 (weekdays 9:00-17:00, Saturday 10:00-15:00) with User ID and submission timestamp.
Fix 5: Contact Support Properly
Reach Support Effectively
In-app chat (Me tab > Settings > Help & Support): Handles 80% of issues, 24-48 hour response. Creates documented ticket trail. Include 8-12 digit User ID from Profile icon > My Profile.
Phone: +628111446644 (weekdays 9:00-17:00, Saturday 10:00-15:00) for urgent issues requiring immediate attention.
Essential Information to Include
Exact User ID
Specific error message text
Bank name and account details
Current verification level
Date/time error first appeared
Screenshots of error and withdrawal settings
Troubleshooting steps already attempted
Preferred resolution timeline
Response Times
In-app chat: 24-48 hours initial response. Complex cases: 3-5 business days. Phone: immediate response but may require follow-up for backend adjustments.
If 48 hours without response, send follow-up with ticket number. Cases exceeding 5 days: escalate via phone with ticket number and summary.
Fix 6: Use Alternative Withdrawal Channels
Digital Wallet Options
USDT-TRC20: Fastest processing (24 hours) versus 1-7 day bank transfers. Requires MetWallet (Arripay) binding and valid USDT-TRC20 wallet address (34-character string starting with T). Blockchain fees: $1-2.
PayPal: Requires MetWallet binding. Adds processing time but provides familiar infrastructure.
For reliable recharge without withdrawal complications: buy Chamet recharge online through BitTopup—fast delivery, secure transactions, excellent service.
Method Comparison
USDT-TRC20:
Processing: 24 hours
Fees: $1-2 blockchain + $1.20 system
Best for: Tech-savvy users prioritizing speed
Digital Wallets (GCash):
Processing: 1-2 business days
Fees: $1.20 system
Limits: PHP 8,000-100,000 monthly
Best for: Regional users with existing wallets
Bank Transfers:
Processing: 1-7 days
Fees: $1.20 system + potential bank fees
Best for: Traditional banking preference
PayPal via MetWallet:
Processing: 2-4 business days
Fees: $1.20 system + MetWallet fees
Best for: Existing PayPal users
Setup Alternative Withdrawal
Navigate to Me tab > Wallet > Withdraw
Select alternative method
For USDT-TRC20: bind MetWallet, add TRC20 wallet address (exact 34-character string starting with T)
Complete method-specific verification
Test with minimum 100,000 Beans ($10)
Monitor in Withdrawal History
Best Payout Method for 2026
Comprehensive Comparison
Traditional banks: Familiar, direct deposit, but longest processing (1-7 days) and highest vulnerability to compatibility errors.
Digital wallets: Balance speed (1-2 days) with accessibility. Minimal technical knowledge required. Monthly limits (PHP 8,000-100,000) suit most broadcasters.
USDT-TRC20: Dominates speed (24 hours), operates independently of banking infrastructure, eliminates compatibility errors. $1-2 blockchain fees competitive with bank charges. Technical setup is primary barrier.
Fastest Routes, Lowest Fees
Maximum speed: USDT-TRC20 processes in 24 hours when submitted Wednesday evening UTC+8 for Thursday settlement. Total fees: $2.20-3.20 ($1-2 blockchain + $1.20 system)—competitive with international bank fees, 6x faster than 1-7 day banks.
Best balance: Digital wallets process in 1-2 days with only $1.20 system fee. Reliability without cryptocurrency's technical requirements.
Security Considerations
Banks: Consumer protection regulations, fraud prevention, but expose banking details to payment processor.
Digital wallets: Transaction encryption, two-factor authentication, limited exposure of primary banking info.
Cryptocurrency: Maximum privacy via blockchain, but requires secure wallet management—lost access means permanently lost funds.
Verify all details before confirming. 40% of failures stem from input errors: User ID must be exact, wallet addresses character-perfect, bank numbers precise.
Why BitTopup Is Most Reliable
BitTopup eliminates withdrawal complications with direct Chamet recharge: competitive pricing, fast delivery, secure transactions. No complex processes, verification requirements, or bank compatibility issues.
24/7 support resolves issues immediately versus 24-48 hour in-app chat. Optimal balance management solution for 2026.
Common Withdrawal Mistakes
Misconception: All Banks Work Automatically
Payment processors maintain specific relationships based on transaction volume, compliance, regional licensing. Bank size/reputation doesn't guarantee compatibility—only banks with active gateway partnerships appear in supported list.
Repeated attempts to unsupported banks trigger risk control flags. Always verify bank appears in current supported methods.
Ignoring Verification Until Withdrawal
Waiting until significant earnings accumulate creates delays. 24-48 hour verification means no immediate access at withdrawal thresholds.
Face verification blocks 70% of pending withdrawals—preventable if completed during setup. Proactive verification reveals document issues early.
Using Outdated Banking Information
Account details change due to upgrades, relocations, mergers. Outdated info triggers verification failures appearing as bank unavailability.
Review and update payment info quarterly, especially after banking relationship changes.
Preventing Future Errors: Best Practices
Regular Maintenance Checklist
Monthly: Confirm payment method in supported list. Review withdrawal to verify info displays correctly.
Quarterly: Check verification document expiration (IDs need 30+ days validity). Update proof of address if exceeds 3 months.
Pre-withdrawal: Submit by Wednesday evening UTC+8 for Thursday 06:00 processing. Avoid Thursday/Friday submissions (6-7 day wait).
Balance monitoring: Track earnings via Me tab > Wallet to anticipate 100,000 Beans threshold.
Stay Updated on Policy Changes
Enable all notifications for announcements about payment updates, banking changes, verification modifications. Provides advance warning when supported banks change.
Join broadcaster communities sharing real-time withdrawal experiences. Community knowledge reveals emerging issues before official announcements.
Backup Methods Strategy
Maintain two verified methods—one traditional (bank/wallet), one alternative (cryptocurrency/different wallet). Ensures access if one method has issues.
Set up backups when not urgently needing withdrawals. Test each with minimum withdrawals before relying on larger transactions.
BitTopup for Seamless Management
BitTopup eliminates complexity of multiple methods and verification by providing direct recharge with instant transactions, zero compatibility issues. Competitive pricing, 24/7 support create reliable alternative to navigating Chamet's evolving payment infrastructure.
Real User Success Stories
Case Study 1: Regional Bank Restriction
Southeast Asia broadcaster's bank discontinued international payment processing for live streaming due to new regulations after six months of successful use.
Switched to GCash, completed verification in 24 hours. First withdrawal processed in 1.5 business days—faster than previous bank transfers. GCash verified limit (PHP 100,000 monthly) exceeded typical earnings, becoming permanent superior solution.
Case Study 2: USDT-TRC20 Success
High-volume broadcaster facing repeated bank issues switched to USDT-TRC20. Setup took 3 hours (create wallet, bind MetWallet, complete security verification).
First USDT withdrawal: 18 hours versus previous 5-7 day banks. $1.50 blockchain fee lower than bank's international charges. Now submits Wednesday evenings for Thursday processing, receives funds Friday morning consistently.
Community Lessons
Experienced creators emphasize proactive payment diversification over reactive problem-solving. Most successful maintain verified accounts across multiple options, switching seamlessly when issues arise.
Consensus: USDT-TRC20 optimal for tech-comfortable users prioritizing speed. Digital wallets for balance between familiarity and improved processing. Bank transfers viable only in regions with strong partnerships and tolerance for 1-7 day delays.
FAQ
Why does Chamet say my bank is no longer available?
Bank discontinued partnership with payment processor, falls outside region's supported institutions, or account info contains verification errors. Check current supported methods—if bank doesn't appear, it's incompatible and requires switching.
How long to fix withdrawal errors?
Cache clearing/restart: 60% resolve immediately. Verification updates: 24-48 hours. New payment methods: 24-48 hours verification + 1-7 days first withdrawal (USDT-TRC20 fastest at 24 hours total once wallet setup completes).
What's minimum withdrawal?
100,000 Beans = $10 USD (10,000 Beans = $1). Withdrawal button appears at 1,200+ Beans, but can't process until 100,000. All withdrawals: $1.20 system fee.
Can I withdraw to digital wallets?
Yes. Options: GCash (PHP 8,000-100,000 monthly), PayPal via MetWallet, USDT-TRC20. Process faster than banks (1-2 days wallets, 24 hours USDT), fewer compatibility errors.
Why is withdrawal pending so long?
Thursday/Friday submissions wait 6-7 days for next Thursday 06:00 UTC+8 cycle. Face verification blocks 70% (complete via Profile > My Earnings > Withdraw > Face Verification). User ID errors affect 40%—ensure 8-12 digit ID from Profile icon > My Profile matches exactly. Contact support if exceeds expected timelines.
How to contact support?
In-app chat (Me tab > Settings > Help & Support): 24-48 hour response, handles 80%. Phone +628111446644 (weekdays 9:00-17:00, Saturday 10:00-15:00) for urgent issues. Include User ID, error message, troubleshooting steps, screenshots.
Tired of withdrawal hassles? BitTopup offers the most reliable Chamet balance management: instant transactions, zero compatibility issues, 24/7 support. Recharge securely through BitTopup today—seamless payments without bank restrictions.