GCash send and receive money transfer rates, cash-in, and cash-out transaction fees.
If you do not have Gcash account yet, I suggest you create one to avail the affordable rates when you buy Globe load, cash in, cash out, pay bills, shop online, money transfer, an…
If you do not have Gcash account yet, I suggest you create one to avail the affordable rates when you buy Globe load, cash in, cash out, pay bills, shop online, money transfer, and more. It gives you a fast and easy way to transact online by simply logging in to your account and you can navigate the services you want to use without going out to any establishments to transact. You can send and receive money everywhere with their domestic and global partners making it more convenient and cost-efficient.
GCash Rate 2024
Here is a table of GCash rates, charges, and transaction fees depending on what service you are going to use.
Starting October 2, 2023, GCash will implement a 5-peso convenience fee for linked accounts.
GCash Cash Out Fee
| Cash out via over-the-counter outlets |
2% of cash-out amount |
| Cash out or withdrawal to bank account |
₱15 |
| GCash MasterCard ATM withdrawal |
₱10 to ₱18 |
| GCash MasterCard ATM withdrawal outside the Philippines |
₱150 |
GCash Cash In Rates or Fees
For now, BPI users can use E-Wallet to transfer money for free. Effective March 1, 2024, GCash via ECPay (E-Wallet) will be charged a fee of ₱10.00.
| From linked bank account in GCash app (e.g. BPI and Unionbank) |
₱5 |
| From remittance partner in GCash app (e.g. Moneygram, Western Union) |
FREE |
| From over-the-counter outlets below the monthly free cash-in limit of ₱8,000 |
FREE |
| From over-the-counter outlets above the monthly free cash-in limit of ₱8,000 |
2% of cash-in amount |
| Cash-in from PayPal |
FREE |
| From bank via online or mobile banking |
Free to ₱50 |
| CIMB to GCash |
FREE |
| AUB to GCash |
₱8 |
| DBP to GCash |
₱10 |
| Robinsons Bank to GCash |
₱10 |
| Bank of Commerce to GCash |
₱15 |
| UnionBank to GCash |
Free (below ₱1,000), ₱10 (above ₱1,000) |
| BDO to GCash |
₱25 |
| BPI to GCash |
₱25 |
| Chinabank to GCash |
₱10 - ₱15 |
| EastWest Bank to GCash |
₱25 |
| Landbank to GCash |
₱25 |
| Maybank to GCash |
₱25 |
| Metrobank to GCash |
₱25 |
| PBCOM to GCash |
₱20 |
| PNB to GCash |
₱20 |
| PSBank to GCash |
₱15 |
| RCBC to GCash |
₱25 |
| Security Bank to GCash |
₱25 |
| UCPB to GCash |
₱25 |
GCash Send Money Rates and Fees
| Send money via Express Send |
Free |
| Send money via Send with a Clip |
Free |
| Send money via Ang Pao |
Free |
| Send money via bank transfer |
₱15 |
| Request money or KKB |
Free |
| Send via GCash Padala |
₱5 or 15% |
GCash Load Top-up Fees
| Smart and TNT regular load |
2% of the load amount |
| Smart and TNT load promo worth Php 100 and below |
₱1 |
| Smart and TNT load promo worth Php 100 and above |
₱2 |
GLoan Rates and Fees
| One-time processing fee in addition to the loan amount |
3% of the loan |
| Late payment |
₱100 + 0.15% of the outstanding balance |
| Interest Rate (rate assigned to you based on your GScore) |
1.59% to 6.57% per month, depending on your eligibility and chosen installment duration |
GCash Account Fees
| Request money |
Free |
| KKB (Bill Split Feature) |
Free |
| GGives Penalty Fee |
₱100 + 0.15% of the principal per day |
| GCash PRO Biz Starter 99 subscription |
₱99 |
| Dormancy Fee |
₱50 |
GCredit Rates and Fees
| Interest fee within the billing period |
3% to 5% |
| Penalty fee for unpaid loan 1-30 days after the due date |
₱200 |
| Penalty fee for unpaid loan 31-60 days after the due date |
₱500 |
| Penalty fee for unpaid loan 61-90 days after the due date |
₱900 |
| Penalty fee for unpaid loan 90 days or more after the due date |
₱1,500 |
GCash MasterCard Rates and Fees
| Balance inquiry via ATM |
₱3 |
| Balance inquiry via ATM outside the Philippines |
₱50 |
| Dormancy fee |
₱50 |
| Buy GCash MasterCard offline |
₱150 |
| Buy GCash MasterCard online (+delivery fee) |
₱215 |
GCash Bills Payment Rates and Fees
| Pay to billers with fixed fees |
Free to ₱60 |
| Pay to billers with percentage-based fees |
2% of bill amount |
| GInsure Fee |
0.92% of the bill |
| Bayantel |
Free |
| BIR |
FREE |
| Cablelink |
Free |
| Cignal |
Free |
| Credit cards (for all registered billers) |
Free |
| Converge ICT |
₱7 |
| Digitel |
Free |
| Eastern Telecoms |
Free |
| Globe At Home |
Free |
| Globe Postpaid |
Free |
| Manila Water |
Free |
| Maynilad |
Free |
| Meralco |
Free |
| Meralco Kuryente Load |
10% transaction fee |
| Pag-IBIG |
₱5 |
| PLDT (DSL/Fiber) |
₱7 |
| Prime Water |
₱5 |
| Sky Fiber |
Free |
| Sky Cable |
Free |
| Smart Communications |
₱7 |
| Prime Water |
₱5 |
| SSS |
Free |
GCash Partners:
- Ministop
- Alfamart
- Puregold
- SM Group of Supermarkets
- Robinsons Supermarket
- All Day Supermarket
- Easy Day SHop
- Ever Supermarket
- Gaisano Grand
- Waltermart
- SM
- Robinsons
- Mercury Drug
- Watsons
- Seaoil
- Petron
- LBC Express
- TouchPay
- Pay&Go
- eTap
- Villarica
- Tambunting
- RD Pawnshop
- Palawan Pawnshop
- Jaro Pawnshop
- Globe Store
- Bayad Center
- ECPay
- ExpressPay
- PERA Hub
- TrueMoney
- Posible
- iBayad
- VIP Payments Center
- 7-Eleven
- Family Mart
- Lawson
- Shell Select
GCash Global Partners:
- Paypal
- Payoneer
- Claim Remittance via Reference Number
- Moneygram
- Western Union
- Receive Straight to GCash
- AliPayHK
- Azimo
- Cross Remittance
- Denarii Cash
- EMQ Send
- Instant Cash
- PayIt
- Rocket Remit
- Softbank
- Wall Street Exchange
Please take note that this information is subject to change so be sure to always check the GCash website and app for the updated fee list. For more questions and information, you may visit Gcash website, call their hotline via 2882, or submit a ticket to help center via the GCASH app.
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