GCash Cash in fees
Learn about GCash cash-in fees: free options, minimal charges for some cash-in services, and tips to add funds to your GCash Wallet easily and affordably.
Due to rising costs, a convenience fee will be charged for every Cash In transaction from linked accounts.
Here are the banks that will have a convenience fee and the dates it will take effect:
| BANK | FEES | EFFECTIVITY DATE |
| BPI | PHP 5 | October 2, 2023 |
| UnionBank | PHP 5 | May 27, 2024 |
| PayPal | 1% of the Cash In amount | March 4, 2024 |
| Payoneer | 1% of the Cash In amount | August 12, 2024 |
You can add funds to your GCash Wallet using InstaPay through your bank’s website or app—GCash partners with over 40 banks.
Note that service fees may apply when using InstaPay, and these fees vary by bank. Check our list of bank apps that use InstaPay for details.
For information on adding funds via PayPal, refer to our PayPal FAQs.
You can cash in up to PHP 8,000 to your GCash wallet for FREE at over-the-counter outlets each month. If you go over this limit, a 2% fee will be charged on any extra cash-ins. This limit resets on the first day of each month.
Check out the sample computations below to compute for over-the-counter cash in fees
|
May 1 You cashed in Php 7,000 over-the-counter as your first cash-in for May. As you are below the limit this is FREE and you will receive Php 7,000 in your GCash wallet. |
Month of May Cash In | 0 |
| New Cash In Transaction | 7,000 | |
| Monthly Free Limit | 8,000 | |
| Is Transaction Above Limit? | No | |
| Amount Above Limit | 0.00 | |
| Service Fee (2%) | 0.00 | |
| Amount Credited | 7,000 | |
|
May 5 You cashed in Php 1,100. Since you have already cashed in Php 7,000 before, the additional Php 1,100 would mean you’ve reached the Php 8,000 limit. Only the amount above the limit, Php 100, is subject to the 2% service fee, so the computation would be: 100 x 0.02 = Php 2 service fee. |
May Cash In | 7,000 |
| New Cash In Transaction | 1,100 | |
| Monthly Free Limit | 8,000 | |
| Is Transaction Above Limit? | Yes | |
| Amount Above Limit | 100 | |
| Service Fee (2%) | 2 | |
| Total Amount Credited | 1,098 | |
|
June 1 You cashed in Php 5,000. Since the P8,000 cash-in limit refreshes monthly, you will receive your total cash-in amount, of Php 5,000. |
June Cash In | 0 |
| New Cash In Transaction | 5,000 | |
| Monthly Free Limit | 8,000 | |
| Is Transaction Above Limit? | No | |
| Amount Above Limit | 0.00 | |
| Service Fee (2%) | 0.00 | |
| Total Amount Credited | 5,000 |
Receiving remittances on the GCash app is completely free. To learn how to cash in via remittance, please visit Send/Receive remittance with GCash.