Your accounts have been linked to consolidate your GCash accounts into a main customer profile.  Account linking is necessary because:

• Regulatory requirements
• Security

Regulatory requirements

Your accounts have been linked as part of GCash’s compliance with E-wallet regulatory requirements to establish a single identity for customers with multiple GCash accounts. By establishing a single identity, your accounts will share the same wallet and transaction limit. This is done to prevent money laundering and abuse of e-money instruments such as GCash. 

Security 

By having a consolidated profile, you will have the capability to better monitor the amount of money kept in your multiple wallets, and the movement of your different transactions of your GCash accounts.  This means you will have more control over your multiple GCash accounts, making your accounts more secure. 

When your accounts are linked, the following will happen to your GCash account:

• Share the same monthly wallet and transaction limit of one GCash account
• Have only one GScore across all your GCash accounts

You will receive an SMS message from GCash notifying you that your GCash accounts have been linked:

Visit What are my Wallet and Transaction Limits? for more information on the different wallet and transaction limits.

If I was notified that my accounts are linked, what will happen to my wallet and transaction limits?

Your different accounts will share the same wallet and transaction limits. Your account with the highest limit will be followed and shared across all existing accounts. Your wallet and transaction limits will not be multiplied by having multiple accounts.

Your transaction limit will cover:

• Incoming transactions: Cash In, Receive Money and
• Outgoing transactions: Cash Out, Send Money to GCash Accounts, Bank Transfers, GCash Padala

Try our Profile Limit Calculator to help you understand how your wallet and transaction limits work in just a few taps. All you have to do is tell us:

• How many GCash accounts you own
• Your GCash profile
• Average monthly cash in, spending, and cash out amount

Visit How do I increase my wallet and transaction limits? for more information on how to increase your wallet and transaction limits.

How do I increase my wallet and transaction limits?  

GCash profiles range from:

• Basic 
• Fully Verified
• GCash Plus
• Enterprise

The different GCash Profiles have different wallet and transaction limits. 

Visit What are my Wallet and Transaction Limits? for more information on the different wallet and transaction limits.

You can increase your wallet and transaction limits by:

• Verifying your GCash Account

When you fully verify your GCash Account, your wallet and transaction limit will increase to ₱100,000, and your monthly incoming transaction limit will increase to ₱100,000.
Visit How do I get Fully Verified? for more information on how to verify your GCash Account.

To upgrade to GCash Plus, you may choose from any of the following options:

• Link and cash in from any of the following accounts to your GCash Account:
• BPI
  Visit How do I cash in using my BPI account? to know how to link your bank account to GCash and cash in.
• UnionBank
  Visit How to Cash In via UnionBank to know how to link your bank account to GCash and cash in.
• Payoneer
  Visit How can I link my Payoneer to GCash? to know how to link your Payoneer to GCash and cash in.
• Open a GSave account and deposit at least ₱100. Find out how to create a GSave account through How do I register to GSave?
• Open a GInvest account and invest at least ₱100. Find out how to create a GInvest account through How can I apply for a GInvest Account?
  
  

Once you are able to perform any of the options provided, you will be eligible to increase your wallet limit to ₱500,000 and your monthly incoming transaction limit will increase to ₱500,000.

You will receive an SMS from GCash, and a Pop-Up notification in the GCash App regarding the successful upgrade within the next day.

Here is an example of an SMS and a Pop-Up notification in the GCash  App regarding the successful upgrade within the next day:

Please note that the services listed below are not considered linked bank accounts, and will not qualify you for an increase in wallet limits:

• • GCash MasterCard
  • PayPal
  • American Express (AMEX) Virtual Pay card