JL59 GCash — Limits, Fees & Settlement
GCash is a Philippine payment rail — regulation: Bangko Sentral ng Pilipinas, whose licence it holds as an Electronic Money Issuer.
| Fact | Value |
|---|---|
| Operator | G-Xchange, Inc., operating as a Mynt company and a venture shared by Globe Fintech Innovations and Ayala Corporation |
| Regulator | Bangko Sentral ng Pilipinas, whose licence it holds as an Electronic Money Issuer |
| Wallet limit | A ceiling of PHP 100,000 for Fully Verified, measured at any time. Every rung of the ladder, from PHP 10,000 at Basic up through GCash Jr, Fully Verified and GCash Plus to PHP 1,000,000 at GCash Platinum, with those middle tiers at PHP 50,000, PHP 100,000 and PHP 500,000 |
| Per-transaction cap | Not published |
| Settlement | the speed belongs to the rail beneath GCash: real time for wallet-to-wallet and InstaPay transfers, with PESONet landing the same banking day |
| Figures as of | 2026-09 |
This section deals with GCash as a payment method, covering its operator, its licensed category, and the limits and fees it publishes.
GCash at a glance
| Field | Value |
|---|---|
| Operated by | G-Xchange, Inc., operating as a Mynt company and a venture shared by Globe Fintech Innovations and Ayala Corporation |
| Regulated by | Bangko Sentral ng Pilipinas |
| Wallet limit | A ceiling of PHP 100,000 for Fully Verified, measured at any time. Every rung of the ladder, from PHP 10,000 at Basic up through GCash Jr, Fully Verified and GCash Plus to PHP 1,000,000 at GCash Platinum, with those middle tiers at PHP 50,000, PHP 100,000 and PHP 500,000 |
| Per-transaction cap | Not published |
| Settlement | the speed belongs to the rail beneath GCash: real time for wallet-to-wallet and InstaPay transfers, with PESONet landing the same banking day |
| Published fees | A 2 per cent charge applies to the excess over PHP 8,000 per month of over-the-counter cash-in across all OTC channels combined, below which it is free, and the first of each month resets the limit. BPI charges PHP 15 and UnionBank PHP 10 for linked-bank cash-in through InstaPay, fees set by the bank. GCash states that from 7 March 2026 PayPal cash-in becomes a flat 1 per cent, whereas today it is 1 per cent below PHP 20,000 and a flat PHP 200 at or above. No fee applies to Payoneer cash-in and remittance claims. Set by the outlet, the suggested 1 per cent charged by Pera Outlet agents applies to a minimum PHP 100 cash-in |
The figures on this page are a snapshot from 2026-09. Limits and fees can be changed by payment providers at any moment, so the provider’s own page is the sole up-to-date reference.
What GCash says about gambling transactions
A blanket ban on gambling merchants does not appear in GCash’s own terms and conditions — pyramid and Ponzi schemes are what the nearest general clause bars. The regulator drives every restriction that does exist. Within 48 hours, every BSP-supervised institution had to remove in-app links and redirects to gambling and gaming sites under BSP Memorandum M-2025-029 of 14 August 2025, and effective 16 August 2025 GCash withdrew the GLife Games top-up and withdrawal feature.
A zero-tolerance policy toward illegal gambling operators is stated separately by GCash, which reports having blocked around 3,200 merchants that misused its QR system to steer users to illegal gambling and scam sites. The effect of all this is to rein in illegal-gambling-linked merchants along with in-app gaming top-ups. No part of it addresses, for or against, using GCash to fund a licensed casino’s cashier.
How fast money actually moves
GCash settles the speed belongs to the rail beneath GCash: real time for wallet-to-wallet and InstaPay transfers, with PESONet landing the same banking day. This is about the payment rail rather than the casino, since the operator may hold a withdrawal for its own review before GCash ever sees it, and that review usually accounts for the waiting time.
A per-transaction cap is not published. None is published for this rail.
Verification tiers
- Basic — Topping up load, paying bills, cashing in, and scanning a code to pay. Per month, PHP 5,000 may come in and PHP 5,000 may go out, under a PHP 10,000 wallet ceiling and with no stated daily cap
- GCash Jr. — The Basic feature set applies here, for users between the ages of 7 and 17. PHP 10,000 may go out each day and each month, PHP 10,000 may come in monthly, and the wallet tops out at PHP 50,000
- Fully Verified — Nine extra tools come with it, from send money and bank transfer to pay online, the GCash card, Borrow, GSave, GInvest, GInsure and GLife. Monthly inflow of PHP 100,000 and daily outflow of PHP 100,000, under a PHP 100,000 wallet ceiling and no monthly cap
- GCash Plus — Fully Verified status plus a linked bank or investment account is what qualifies a user. Monthly inflow of PHP 500,000, daily outflow of PHP 100,000, and a wallet cap of PHP 500,000
- GCash Platinum — Eligible Globe Platinum subscribers only. Outflow is limited to PHP 500,000 per day and PHP 1,000,000 per month, while PHP 1,000,000 can come in monthly and the wallet ceiling is PHP 1,000,000
The published ceiling of A ceiling of PHP 100,000 for Fully Verified, measured at any time. Every rung of the ladder, from PHP 10,000 at Basic up through GCash Jr, Fully Verified and GCash Plus to PHP 1,000,000 at GCash Platinum, with those middle tiers at PHP 50,000, PHP 100,000 and PHP 500,000 applies to the tier stated above, not to every account.
How to tell whether a cashier offers GCash
- Open the cashier of the casino where you hold an account, signed in, and find its list of methods.
- Look for GCash by name on that list; a method the screen leaves out is not available to your account.
- Compare the account name at the casino with the name registered on GCash, letter for letter.
- Note the floor, the ceiling and any GCash charge printed beside the method before you approve the amount.
Only the cashier screen settles which rails a casino runs, so let it answer the GCash question first.
FAQ
Where do I find out if a casino offers GCash?
On its cashier screen, once you are signed in. GCash is available only when that screen lists it by name, so read the list, compare the two account names and note the limits before any money moves.
What is the GCash wallet limit?
A ceiling of PHP 100,000 for Fully Verified, measured at any time. Every rung of the ladder, from PHP 10,000 at Basic up through GCash Jr, Fully Verified and GCash Plus to PHP 1,000,000 at GCash Platinum, with those middle tiers at PHP 50,000, PHP 100,000 and PHP 500,000, at the tier the provider states. Lower tiers carry lower ceilings.
Does GCash charge fees?
Published fees: A 2 per cent charge applies to the excess over PHP 8,000 per month of over-the-counter cash-in across all OTC channels combined, below which it is free, and the first of each month resets the limit. BPI charges PHP 15 and UnionBank PHP 10 for linked-bank cash-in through InstaPay, fees set by the bank. GCash states that from 7 March 2026 PayPal cash-in becomes a flat 1 per cent, whereas today it is 1 per cent below PHP 20,000 and a flat PHP 200 at or above. No fee applies to Payoneer cash-in and remittance claims. Set by the outlet, the suggested 1 per cent charged by Pera Outlet agents applies to a minimum PHP 100 cash-in. Providers revise these without notice.
Who regulates GCash?
GCash — regulation: Bangko Sentral ng Pilipinas, whose licence it holds as an Electronic Money Issuer. That covers the rail, not the casino.
Other payment rails explained here
| Guide | What it covers |
|---|---|
| Maya | Bangko Sentral ng Pilipinas covers it in two capacities: Electronic Money Issuer and registered Operator of Payment System |
| GrabPay | Bangko Sentral ng Pilipinas granted its licence in 2018, as an Electronic Money Issuer |
| InstaPay | National Retail Payment System rules, with Bangko Sentral ng Pilipinas holding the supervisory role |
| PESONet | Bangko Sentral ng Pilipinas, acting as overseer of the rules the National Retail Payment System framework lays down |
| Over-the-Counter Cash Agents | Bangko Sentral ng Pilipinas treating them as money service businesses, together with the Anti-Money Laundering Act |