Your wallet and transaction limits depend on which level of verification you have - either Basic or Fully Verified.
By getting verified, you provide more information which validates your identity. The more information you give, the more services you unlock with GCash.
The Verification Process is designed to protect you from financial crime, as part of GCash's compliance with the Anti-Money Laundering Act of 2001 mandated by the Bangko Sentral ng Pilipinas (BSP). The BSP also dictates what the wallet limits are, and which services are available for each level.
If you have exceeded your wallet's transaction limits, click here to know more on how to resolve this.
|
Verification Level |
Basic Level |
Fully Verified |
Fully Verified with a Linked Bank Account |
|
Description |
Email/ |
Selfie and |
ID, Selfie, and |
|
Wallet Size |
₱50,000 |
₱100,000 |
₱500,000 |
|
Incoming Limit |
|||
|
Daily Incoming Limit |
N/A |
N/A |
N/A |
|
Monthly Incoming Limit |
₱50,000 |
₱100,000 |
₱500,000 |
|
Yearly Incoming Limit |
N/A |
N/A |
N/A |
|
Outgoing Limit |
|||
|
Daily Outgoing Limit |
₱40,000 |
₱100,000 |
₱100,000 |
|
Monthly Outgoing Limit |
₱100,000 |
N/A |
N/A |
|
Yearly Outgoing Limit |
N/A |
N/A |
N/A |
Transaction Rules
|
Basic Level |
Fully Verified |
Fully Verified with a Linked Bank Account |
|
|
AMEX Virtual Pay Spend Limit |
₱50,000/mo (Restricted after reaching ₱600,000 until Fully Verified) |
Based on the wallet and transaction caps |
|
|
ATM Withdrawal |
Not Allowed |
₱20,000 |
₱20,000 |
|
No. of Free ATM Withdrawals |
Not Allowed |
Not Allowed |
Not Allowed |
|
GCash Partner Outlet (GPO) Withdrawal |
Not Allowed |
₱20,000 |
₱20,000 |
|
No. of GPO Withdrawals |
Not Allowed |
Unlimited |
Unlimited |
|
POS/Card Not Present/E-commerce |
Not Allowed |
Based on the wallet and transaction caps |
|
|
Bills Payment |
Based on the wallet and transaction caps |
||
|
Buy Load |
₱500/day |
₱20,000 |
₱20,000 |
|
Cash-in from Banks and PayPal |
Not Allowed |
Based on the wallet cap set |
|
|
Mobile Banking Services (Bank to GCash - BPI) |
Not Allowed |
Based on the wallet cap set |
|
|
Mobile Banking Services (Bank to GCash – Other Banks) |
Not Allowed |
Based on the wallet cap set |
|
|
Cash-In to Self |
Not Allowed |
Based on the wallet and transaction caps |
|
|
Cash-Out |
Not Allowed |
Based on the wallet cap set |
|
|
Send Money |
Not Allowed |
Based on the wallet cap set |
|
|
Send/Receive Foreign Remittances |
Not Allowed |
Based on the wallet cap set |
|
GCash Services
|
Available Services |
Basic Level |
Fully Verified |
Fully Verified with a Linked Bank Account |
|
Cash-In |
✓ |
✓ |
✓ |
|
Pay Bills |
✓ |
✓ |
✓ |
|
Buy Load |
✓ (up to ₱500 daily) |
✓ |
✓ |
|
GCash MasterCard |
✓ |
✓ |
✓ |
|
AMEX Virtual Pay |
✓ |
✓ |
✓ |
|
Pay QR |
✓ |
✓ |
✓ |
|
Book Movies |
✓ |
✓ |
✓ |
|
Bank Transfer |
✓ |
✓ |
|
|
Send Money |
✓ |
✓ |
|
|
Cash-Out |
✓ |
✓ |
|
|
POS Transactions |
✓ |
✓ |
|
|
Mobile Banking Services |
✓ |
✓ |
|
|
Card Transactions |
✓ |
✓ |
|
|
Financial Services (GCredit, Save Money, Invest Money, Online Cash-In, Remittance) |
✓ |
✓ |
|
|
International Remittance |
✓ |
✓ |