diff --git a/app/config.py b/app/config.py
index 5c67b11..2b2d4e1 100644
--- a/app/config.py
+++ b/app/config.py
@@ -54,7 +54,8 @@ class Config:
     MAIL_USE_SSL = os.getenv('MAIL_USE_SSL', 'False').lower() in ('true', '1', 'yes')
     MAIL_DEFAULT_SENDER = ('FirstAdvance', 'firstadvance@dynamikservices.tech')
     MAIL_RECEIVER= os.getenv('MAIL_RECEIVER', 'chinenyeumeaku@gmail.com,umeakuchinenye@gmail.com')
-    
+
+    BANK_CALL_API_TIME_OUT = os.getenv("BANK_CALL_API_TIME_OUT", 100)
     BANK_CALL_BASE_URL = os.getenv("BANK_CALL_BASE_URL", "https://bank-emulator.dev.simbrellang.net/api")
     BANK_CALL_SMS_BASE_URL= os.getenv("BANK_CALL_SMS_BASE_URL","https://first-advance-middleware-develop.fbn-devops-dev-asenv.appserviceenvironment.net/SMS")
     BANK_CALL_DISBURSE_LOAN_ENDPOINT = os.getenv("BANK_CALL_DISBURSE_LOAN_ENDPOINT","/DisburseLoan")
diff --git a/app/integrations/simbrella.py b/app/integrations/simbrella.py
index a7f42dc..83a37e7 100644
--- a/app/integrations/simbrella.py
+++ b/app/integrations/simbrella.py
@@ -33,6 +33,7 @@ class SimbrellaClient:
     BANK_CALL_COLLECT_LOAN_ENDPOINT =  settings.BANK_CALL_COLLECT_LOAN_ENDPOINT
     BANK_CALL_TRANSACTION_VERIFY = settings.BANK_CALL_TRANSACTION_VERIFY
     BANK_HEALTH_CHECK_ENDPOINT = settings.BANK_HEALTH_CHECK_ENDPOINT
+    BANK_CALL_API_TIME_OUT  = settings.BANK_CALL_API_TIME_OUT
 
     @staticmethod
     def disburse_loan(data):
@@ -126,8 +127,8 @@ class SimbrellaClient:
 # }
 # '''
         try:
-            logger.info(f"Here is your Disbursement Request data ****** : {disbursement_data}")
-            response = requests.post(api_url, json=disbursement_data, timeout=10, headers=get_headers())
+            logger.info(f"Calling Bank Disbursement with Request data ****** : {disbursement_data}")
+            response = requests.post(api_url, json=disbursement_data, timeout=SimbrellaClient.BANK_CALL_API_TIME_OUT, headers=get_headers())
             logger.info(f"Call to bank end point returned with Here is your Disbursement Request data ****** : {disbursement_data}")
             if response.status_code == 404:
                 logger.error("")
@@ -225,7 +226,7 @@ class SimbrellaClient:
 # '''
         try:
             logger.info(f"Here is your TransactionVerify Request data ****** : {verify_data}")
-            response = requests.post(api_url, json=verify_data, timeout=10, headers=get_headers())
+            response = requests.post(api_url, json=verify_data, timeout=SimbrellaClient.BANK_CALL_API_TIME_OUT, headers=get_headers())
             if response.status_code == 404:
                 logger.error("Received 404 from external service")
                 return ResponseHelper.error("Verify Service url not found (404)", status_code=404)
@@ -246,7 +247,7 @@ class SimbrellaClient:
 
             try:
 
-                sms_response = requests.post(sms_url, json=sms_data, timeout=10, headers=get_headers())
+                sms_response = requests.post(sms_url, json=sms_data, timeout=SimbrellaClient.BANK_CALL_API_TIME_OUT, headers=get_headers())
                 sms_response.raise_for_status()  # Raise an exception for 4xx or 5xx status codes
                 
                 result = sms_response.json()
@@ -326,7 +327,7 @@ class SimbrellaClient:
         collect_loan_data = CollectLoanHelper._build_collect_loan_payload(loan_data, repayment_data, data, collectionMethod)
         try:
             logger.info(f"Sending CollectLoan request............ {collect_loan_data}")
-            response = requests.post(api_url, json=collect_loan_data, timeout=90, headers=get_headers())
+            response = requests.post(api_url, json=collect_loan_data, timeout=SimbrellaClient.BANK_CALL_API_TIME_OUT, headers=get_headers())
             logger.info(f"HTTP response object: {response}")
 
             if response.status_code == 404:
@@ -455,7 +456,7 @@ class SimbrellaClient:
 
             try:
                 logger.info(f"Here is your Penal Charge Request data ****** : {data}")
-                response = requests.post(api_url, json=data, timeout=10, headers=get_headers())
+                response = requests.post(api_url, json=data, timeout=SimbrellaClient.BANK_CALL_API_TIME_OUT, headers=get_headers())
                 logger.info(f"Penal Charge response: {response.json()}")
                 return ResponseHelper.success(response.json(), "Successful")