GScore is a score that reflects how active you are in using GCash’s products and features. It is the trust rating computed for you based on the various activities you do in GCash such as maintaining an active wallet balance, paying your bills, using GSave, GInvest, and GInsure.
Your GScore is the primary basis for you to be qualified to use GCredit, GLoan, and or GGives with the following benefits:
GScore Factors
To increase or maintain your GScore, you should:
| Verify your account |
Fully verified users gain access to a wide range of services in the GCash app. All you need is a Valid ID (not expired) and a selfie. Visit How do I get Fully Verified? to learn how to fully verify your GCash Account |
| Cash in regularly |
Keep a healthy wallet balance and fund your GCash account by cashing in regularly. To find out different ways to cash-in, visit How to Cash In |
| Always use GCash for your transactions | Use GCash services such as Pay Online and Pay Bills. |
| Invest in GInvest frequently |
Grow your money for as low as P50 and gain access to the products of the country’s most trusted investment companies. Find out how you can apply for a GInvest Account by visiting How can I apply for a GInvest Account? |
| Make GSave deposits regularly |
Save for your future with GSave. Grow your savings quickly and enjoy a 2.6% interest rate with any amount you deposit. Visit "What is GSave?" to learn more. |
| Purchase GInsure Products |
GInsure is the one-stop shop for all your insurance needs. You will find different insurance products like life, health, car, and many more provided by our different partners to best fit your needs. Visit “What is GInsure?” to learn more. |
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*Pay your GCredit, GLoan, and/or GGives dues early or on time |
Not paying on time will also make you ineligible for any future credit transactions until you have paid your total amount due. |
| *Maximize your GCredit line |
Spend as much as you are allowed by GCredit. |
*For Active GCredit, GGives, and GLoan Users.
Where can I find my GScore?
GScore FAQS
What’s the minimum GScore for me to avail GCredit? GGives? GLoan?
Metered scoring is not yet available as no score assures the unlocking of lending products.
Will I get a notification if my GScore increases or decreases?
Changes in your GScore can be seen in the GCash App, currently, there is no SMS notification if your GScore increases or decreases.
Why did my GScore decrease even if I’ve been actively using GCash?
Other than the frequency of usage, transactions, wallet health, regular savings, and investing, purchase of insurance are all considered components.
Will my GScore decrease if I do not use GCash?
Yes, inactivity on GCash could potentially lower your score.
When do you update the GScore?
Our system regularly updates your GScore weekly based on your GCash activity from the previous week.
Why is my GScore not increasing even if I use my GCash frequently?
Your GScore is not computed solely based on the frequency of your usage but considers various components to generate your user score. It is based on your frequent GCash activity, maintaining balance, loan performance (early/on-time payments), habitual payment of bills, regular savings and investments, and your purchase of insurance products.
Will my GScore decrease if I do not use GCredit?
Not using your GCredit will not affect your GScore. But if you do use your GCredit and pay your dues on time, this can positively impact your GScore, potentially increasing your GCredit amount in the future.
Why can’t I avail GCredit/GGives/GLoan again when I already availed it before?
There may have been certain policies or scoring metrics that you did not meet to qualify for GCredit/GGives/GLoan. Each of the products has its own specific policies in place.
Why can’t I transfer my GScore from my lost sim to my new number?
Your GScore is unique to your mobile number. Your new sim activities would be the basis for your current GScore.
Why can’t I avail GCredit/GGives/GLoan again when I already availed it before?
With the various components affecting the changes on your GScore, offers may also be affected.