What are the GCash Cash In fees I need to know about?
Adding money to your GCash wallet is called "cashing in." Each cash-in method may have its own fee. Here’s a quick guide to help you understand these fees:
Cash In via Linked Bank/Digital Wallet Account
A convenience fee will be charged for every cash in from linked accounts. The fees are as follows:
| 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 | October 30, 2024 |
Cash In via Online Banking
Bank via InstaPay
GCash is partnered with over 40 banks. You can add funds through your bank’s website or app using InstaPay. Handling fees may apply.
PayPal
You can cash in directly from your PayPal account. Click here to know how.
Cash In via Over-The-Counter
FREE for up to PHP 8,000 per month
2% fee for any exceeding amount per month
Note: Your FREE Cash In limit via over-the-counter outlets resets on the first day of the month.
Check out the sample computation below for over-the-counter cash in transactions:
|
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. |
The 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 |
Cash In via Remittance
Cashing in via remittance is FREE. Click here to know how you can send/receive remittance with GCash.
If you have other concerns with your Cash In transactions, click here to ask for help. A customer service representative will contact you within 1-2 business days.
Need more Help?
For other inquiries or concerns, check out the following articles: