GCash fees and limits
GCash charges ₱10 per InstaPay transfer to a bank. Over-the-counter cash-in is free up to ₱8,000 a month, then 2% of the amount above that; cashing out at partner outlets and GCash Pera Outlets costs 2% of the amount. A Fully Verified account can hold ₱500,000. A month with 4 bank transfers and ₱10,000 cashed in over the counter costs ₱80.
Our take: once you pass ₱8,000 of over-the-counter cash-in in a month, cash in from a bank app instead; 31 institutions charge nothing for InstaPay (see which). Money you are not spending earns more in GSave: ₱10,000 there keeps ₱185.56 in a year after tax.
Next: pick the cheapest way to cash in and out, or if someone got into your account, report it now.
G-Xchange, Inc. is licensed by the BSPListed as an e-money issuer (G-Xchange, Incorporated (GXI)) in the BSP Verifier directory, updated May 14, 2026. BSP Verifier
GCash cash-in, transfer and cash-out fees
Cash in
| Linked BPI account (InstaPay Cash In) source | ₱15 |
|---|---|
| Linked UnionBank account (InstaPay Cash In) source | ₱10 |
| Over the counter (stores, partners) source | Free up to ₱8,000 a month, then 2% of the amount above that |
| GCash Pera Outlet source | Suggested 1% of the amount; each outlet sets its own fee. Minimum cash-in ₱100 |
| PayPal source | 1% of the amount (from 7 March 2026) |
| Payoneer source | Free |
| Online banking (InstaPay or PESONet from your bank's app) source | Your bank's own transfer fee may apply |
Send to a bank or another e-wallet
| InstaPay transfer source | ₱10 per transaction (lowered from ₱15 on 4 July 2026) |
|---|---|
| Remittance, sending and claiming source | Free |
| Send to another GCash user source | Free for the first 500 sends and 500 receives a month |
Cash out
| Partner outlets (Cebuana Lhuillier, M. Lhuillier, Puregold, ECPay, PeraHUB, TrueMoney, SM Store, Robinsons and others) source | 2% of the amount |
|---|---|
| GCash Pera Outlet source | 2% of the amount (₱20 on ₱1,000). Minimum cash-out ₱100 |
| RCBC Scan to Withdraw (cardless, select RCBC ATMs, Fully Verified only) source | ₱18 per withdrawal |
| GCash Card at an ATM source | Set by the bank that owns the ATM, ₱0 to ₱18 per the GCash Help Center (the GCash fee schedule lists ₱8 to ₱20). Up to ₱20,099 per withdrawal and ₱40,099 a day |
| To your bank account (InstaPay) source | ₱10 per transfer, up to ₱50,000 per transfer |
GCash's fee schedule is dated 10 September 2026; the help-centre fees and limits are as of 2 October 2026, and the wallet limits took effect 1 October 2026.
GCash limits
| Limit | Basic | GCash Jr. | Fully Verified | GCash Platinum |
|---|---|---|---|---|
| Wallet limit (at any time) | ₱10,000 | ₱100,000 | ₱500,000 | ₱1,000,000 |
| Incoming, monthly | ₱5,000 | ₱100,000 | ₱500,000 | ₱1,000,000 |
| Outgoing, monthly | ₱5,000 | ₱100,000 | ₱500,000 | ₱1,000,000 |
| Outgoing, daily | No limit | ₱100,000 | ₱500,000 | ₱500,000 |
GCash wallet limits were updated on 1 October 2026. Monthly limits reset on the 1st day of the following month. GCash also lists ₱5,000,000 and ₱10,000,000 wallet tiers for eligible GCash Wealth customers, subject to approval. source
The highest tier listed, GCash Platinum, holds ₱1,000,000. If you hit a limit, upgrade or verify your profile in the app.
Send money from GCash to a bank, step by step
Before you start
- The recipient's bank or e-wallet, account name and account number, or their bank QR code. GCash
- Enough balance for the amount plus the ₱10 fee; one transfer can be up to ₱50,000. GCash
- The latest GCash app, which shows the ₱10 fee in effect since 4 July 2026. GCash
Steps
- Open GCash and tap Transfer, then Local.
- Select the bank's logo, or tap View All and choose it.
- Enter the amount, account name and account number, then tap Send Money.
- Review the details and tap Confirm.
Steps from GCash help.
How the GCash fees and limits work in practice
- Cash-in feeGCash's own example: cash in ₱7,000 over the counter on 1 May and it is free; cash in ₱1,100 on 5 May and the fee is ₱2, because ₱100 is over the ₱8,000 monthly limit (₱100 × 2%). The free limit resets on the 1st of each month. GCash
- At a limitIf you reach a limit, you cannot use some services until the limit resets on the 1st of the next month or you upgrade your profile. GCash
- Which profileA Basic (unverified) profile can receive only ₱5,000 a month and hold ₱10,000. If you receive more, verify your account; a Fully Verified profile can receive and hold ₱500,000. GCash
Earning interest on your GCash balance
The wallet itself pays no interest. GSave by CIMB pays 2.30% a year with no minimum deposit or maintaining balance, credited monthly after the 20% withholding tax. It was 2.60% until 1 June 2026. Moving money between GCash and GSave has no GCash fee. GCash
On ₱10,000 left for a year at the base 2.30%, you keep ₱185.56 after the 20% final tax. GSave is a deposit at CIMB Bank, so the PDIC insures it up to ₱1,000,000 per depositor, counted with your other accounts at CIMB Bank.
If your GCash account is hacked or you were scammed
Act in the app first
- If you see transactions you did not make: change your MPIN, check other apps where GCash is linked, then report within 15 days of the transaction by chatting with Gigi ("I noticed unauthorized transactions in my GCash account"). GCash says the investigation takes 48 hours to 7 days. GCash
- If you get an OTP or a phone-registration text you did not ask for, never share the code, change your MPIN and file a report with GCash. GCash
- If you sent money to a scammer: in the app go to Transactions, pick the transaction, tap Get Help, then Report as scam; GCash support reviews it and contacts you within 24 hours. Report the scammer to the PNP or NBI too, and block them. GCash
If GCash does not resolve it
- Report the problem to the bank or e-wallet first, through its customer service or complaints channel. Every BSP-supervised institution must have one as the first place to go. BSP
- While it investigates a disputed or unauthorized transaction, the provider must suspend interest, fees and charges on it, or give a similar reasonable accommodation. RA 11765
- If you are not satisfied with how the provider handled it, take it to the regulator, which is the BSP for banks and e-wallets. RA 11765
- For a scam or fraud, also report to the PNP Anti-Cybercrime Group (acg@pnp.gov.ph), the NBI (ccd@nbi.gov.ph) or the CICC (hotline 1326, report@cicc.gov.ph). BSP
| BSP Online Buddy (BOB) chatbot | The BOB icon on bsp.gov.ph or the Message button on the BSP's official Facebook page |
|---|---|
| consumeraffairs@bsp.gov.ph, with the filled-in Complaint/Inquiry/Reply form and proof you went to the provider first | |
| Office hours | Monday to Friday, 8 a.m. to 5 p.m. |
BSP consumer assistance under Republic Act No. 11765, the Financial Products and Services Consumer Protection Act. BSP, How to file a complaint with BSP-CAM
GCash customer service and security
- ContactHotline 2882 (toll-free for Globe and TM mobile) or (02) 7213-9999 (toll-free from a Globe landline); other networks use "Call via Internet" in the app. Open 8 a.m. to 5 p.m. daily, and 24/7 for scams, fraud, lost or stolen phones and unauthorized transactions. GCash
- ContactIn the app, chat with Gigi, which can connect you to a support agent. GCash
- SecurityAccount Secure lets you register your GCash account on only one phone. GCash
- SecurityDoubleSafe asks for a selfie scan to confirm it is you; after 5 failed scans the account locks for 24 hours. GCash
Use only the numbers and chat inside the official app; GCash staff will not ask for your MPIN or OTP.
GCash and tax
Moving money through GCash does not create a tax by itself; whether money you receive is taxable depends on what it is for. Read is GCash income taxable.
If you sell online, E-marketplace operators and digital financial services providers such as GCash and Maya withhold 1% on one-half of the gross remittances they pay out to online sellers and merchants. Nothing is withheld while the seller's gross remittances for the past year, or so far this year, are ₱500,000 or less, or if the seller proves it is exempt or on a lower rate. This applies from January 11, 2024. BIR, RR 16-2023 · BIR, RMC 8-2024 Sellers: see tax for online sellers and GCash business accounts and the BIR.
What GCash disclosed to the BSP
| InstaPay, personal | ₱10.00 |
|---|---|
| PESONet, personal | Not offered |
| InstaPay, business | ₱10.00 |
| PESONet, business | Not offered |
BSP Summary of Transfer Fees via Digital Channels, as of August 31, 2026. Compare every bank and e-wallet
Not covered here: business accounts, international remittances and crypto in the GCash app. For an unresolved complaint, go to GCash first, then the BSP under RA 11765; for a scam, also the PNP, NBI or CICC (hotline 1326).
What to do next
- Check your profile and limits in the GCash app, and upgrade or verify if you need more than your profile allows (GCash).
- Moving money between your bank and GCash? Compare what each bank charges for InstaPay.
- Comparing GCash with the other wallet? See GCash vs Maya side by side.
Questions about GCash
Does GCash deduct 1% tax?
Only on payouts to online sellers and merchants, under RR 16-2023: 1% on half of the gross remittances, and only once the seller's remittances pass ₱500,000 a year. It is not a tax on money you send to or receive from family and friends. BIR, RR 16-2023
Is money in GCash insured by the PDIC?
The PDIC insures bank deposits, and G-Xchange, Inc. is an e-money issuer, not a bank. Money you move into GSave at CIMB Bank is a deposit, insured up to ₱1,000,000 per depositor, per bank. source
Can I combine the limits of my GCash accounts?
Adults can open up to 5 GCash accounts linked to one profile, but their limits are not added together; once the profile has received its monthly limit, the other linked accounts cannot receive funds either.