If you do not have a Gcash account yet, I suggest you create one to avail their affordable rates when you buy Globe load, cash in, cash out, pay bills, shop online, money transfer, and more. It offers you a secure, fast, and easy way to transact online, eliminating the use of cash on hand. Simply log in to your account via the GCash app, navigate through the dashboard, then select the services you want. It saves you time, avoids the long queues at establishments, and offers real-time payment posting.
You can also send and receive money everywhere with their domestic and global partners, making it more convenient and cost-efficient.
GCash Rates
Below are the tables 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
| Description |
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 |
Here's a sample GCash rates table, you can find these rates at your nearest sari-sari stores, partners and outlets.
GCash Cash In and Cash Out rates
| Amount |
Service Fee |
| ₱1-250 | ₱10 |
| ₱251-500 | ₱15 |
| ₱501-750 | ₱20 |
| ₱751-1,000 | ₱25 |
| ₱1,001-1,500 | ₱35 |
| ₱1,501-2,000 | ₱45 |
| ₱2,001-2,500 | ₱55 |
| ₱2,501-3,000 | ₱65 |
| ₱3,001-3,500 | ₱75 |
| ₱3,501-4,000 | ₱85 |
| ₱4,001-4,500 | ₱95 |
| ₱4,501-5,000 | ₱105 |
| ₱5,001-5,500 | ₱115 |
| ₱5,501-6,000 | ₱125 |
| ₱6,001-6,500 | ₱135 |
| ₱6,501-7,000 | ₱145 |
| ₱7,001-7,500 | ₱155 |
| ₱7,501-8,000 | ₱165 |
| ₱8,001-8,500 | ₱175 |
| ₱8,501-9,000 | ₱185 |
| ₱9,001-9,500 | ₱195 |
| ₱9,501-10,000 | ₱205 |
Please note: Rates may vary depending on the location and partner policies.
GCash Cash In Rates
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.
| Cash in |
Fee |
| 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
| Description |
Fee |
| 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 Padala Rates
| Amount |
Fee |
| ₱500 |
₱5 |
| ₱5001 - ₱10,000 |
1.5% of the amount fee |
GCash Padala remittance can only be claimed within 15 days. If unclaimed within the given time frame, the money will go back to the sender's GCash account minus the service fee.
GCash Load Top-up Rates
| Description |
Fee |
| 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
| Description |
Fee |
| 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
| Description |
Rate / Fee |
| 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
| Description |
Rate / Fee |
| 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
| Description |
Fee |
| 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
| Description |
Rate / Fee |
| 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 FAQ's
List of 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
Accepted or Valid ID's
Here's the list of valid IDs accepted by GCash.
- National ID
- ePhil ID (Paper / Plastic) or National ID card
- Passport
- Driver's License
- Postal ID
- UMID
- SSS ID
- PRC ID
- HDMF
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 toll-free hotline via 2882 (Globe and TM), email them at support@gcash.com, or submit a ticket to the help center via the GCASH app.
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