Is Metacash legit?
No. Metacash is not on the SEC list of lending apps. The SEC named it as not authorized to lend in an advisory dated Mar 6, 2026. It appears in 1 other SEC document, listed below. SEC list, Sep 29, 2026
| Item | Result | Source |
|---|---|---|
| On the SEC list of recorded online lending platforms (dated Sep 29, 2026) | No | SEC list, Sep 29, 2026 |
| SEC finding | 2 documents, latest SEC advisory on unrecorded online lending platforms and websites of Mar 6, 2026 | SEC, Mar 6, 2026 |
The SEC has named Metacash in 2 documents, most recently an SEC advisory on unrecorded online lending platforms and websites dated Mar 6, 2026, which lists it as "tapmetacash.com and mymetacash.com" on a website. The website the SEC named, tapmetacash.com, still loads.
Next: find a lender on the SEC list instead, and report Metacash if it contacted you.
The SEC record on Metacash
“HINDI awtorisado at HINDI pinahihintulutang mag-alok, magproseso, o magpautang ng anumang loan products”
| Date | SEC document | Named as | Address the SEC printed, and what it shows now |
|---|---|---|---|
| Mar 6, 2026 | SEC advisory on unrecorded online lending platforms and websitesADVISORY ON UNRECORDED ONLINE LENDING PLATFORMS AND WEBSITESIt names 30 apps | tapmetacash.com and mymetacash.comon a website | tapmetacash.comsite still loads |
| Oct 23, 2025 | SEC advisory on unrecorded online lending platformsADVISORY RE UNDRECORDED ONLINE LENDING PLATFORMSIt names 19 apps | tapmetacash.com and mymetacash.comon a website | tapmetacash.comsite still loads |
Addresses are shown as text, not links.
If you already used Metacash
- Send Metacash no more money, ID or bank details: the SEC named it in its SEC advisory on unrecorded online lending platforms and websites dated Mar 6, 2026. The SEC's advisory of Aug 20, 2026 says not to transact with, send personal information to or pay any advance payment or fee to an app missing from its list.
- Switch off its contacts permission. A lender may not contact anyone in your phone contacts other than the guarantors you named, whether or not it is on the SEC list. (DICT, NPC and SEC, Mar 18, 2026)
- If it messaged your contacts or posted your photo, file with the National Privacy Commission: send its Complaints-Assisted Form (CAF) to complaints@privacy.gov.ph (privacy.gov.ph).
- Report Metacash (the SEC printed it as tapmetacash.com) on SEC hotline 14732 or the iMessage portal. Lending without SEC authority carries a ₱10,000 to ₱50,000 fine, six months to ten years in prison, or both (RA 9474 Sec. 12).
Need a loan now? No lender pays to appear on this site or to change its position. Search the SEC list of recorded lending apps or compare the recorded apps by what you pay back. A recorded lender prints its company name, SEC Registration No. and Certificate of Authority No. in the app and its ads (SEC MC No. 19 s.2019, Sec. 1).
This page covers Metacash's SEC record. To report it or a harassment campaign, use the SEC (hotline 14732) and the National Privacy Commission; to recover money or bring a case, see a lawyer.
Questions about Metacash
Can Metacash post me on Facebook or message my contacts?
No. Publishing a borrower's name and personal details as someone who refuses to pay is an unfair collection practice (SEC MC No. 18 s.2019, Sec. 1(d)). Call the National Privacy Commission on (+63) 2 5322 1322 local 114 or 115 about a post or message.
How do I remove my information from Metacash?
Uninstall the app after switching off its contacts and photos permissions, then file a complaint with the National Privacy Commission using its Complaints-Assisted Form (CAF) sent to complaints@privacy.gov.ph.
Can I be jailed for not paying Metacash?
The 1987 Constitution says: "No person shall be imprisoned for debt or non-payment of a poll tax." (1987 Constitution, Art. III, Sec. 20). Issuing a check that bounces is a separate offense under BP Blg. 22.