How to receive USD funds in GCash Virtual US Account

1. Tap Add a recipient
2. Select "USD" for currency
3. Choose "Bank details"
4. For recipient, select "Myself"
5. For "Recipient's bank details," select "ACH" for zero fees
6. Tap Confirm and send

1. Go to “My Profile” 
2. Go to the “Pay” section
3. Click “Add Payment Method”
4. Enter your Virtual US Account details. Select "Checking" under Account Type
5. Tap "Save"

1. From the left menu, click “Withdraw and convert.” Under Withdraw to bank, click “Manage bank accounts.”
2. On the Bank Accounts page (tab: Your accounts), click “Add account” on the top-right.
3. Enter the basic info
   1. Bank country: United States of America
   2. Account type (profile): Personal
   3. Account currency: USD
   4. Click Next.
4. Fill in your Virtual US Account details
   1. Bank Name: Choose Other
   2. Account holder name: Must exactly match the name on your GCash profile
   3. Account number
   4. Routing number
   5. Account Type: Select C – Checking
   6. Click Next (or Add bank, depending on the screen).
5. Review and submit.

Note: Payoneer may take up to 3 business days to review and activate a new bank account. You may be asked for verification.

1. Click "Payouts" or "Payment Settings."
2. Select "Add a New Bank Account." If your Virtual US Account is not already linked, select the option to add it.
3. Enter your Virtual US Account details:
   1. Account Number
   2. ACH Routing Number or Wire Routing Number
4. Enter the amount in USD.
5. Select the transfer method
6. Review your info and confirm.

1. Go to "Settings" > "Get Paid."
2. Choose "Add a Payment Method" if your Virtual US Account is not yet linked.
3. Select "Bank Transfer" (ACH).
4. Enter your Virtual US Account details:
   1. Account Number
   2. ACH Routing Number or Wire Routing Number
5. Input the amount.
6. Review the info and confirm.

1. Go to "Account Transfer."
2. Click "Link an external account."
3. Scroll to the bottom and click to "Fill in the account info yourself."
4. Enter your Virtual US Account details:
   1. Account Number
   2. ACH Routing Number
5. Accept the terms and conditions then tap "Send deposits."
6. Within 1-2 business days, JPMorganChase will send 2 small deposits of less than USD 0.50 each from JPMorganChase to your Virtual US Account. 

Once you see these deposits, follow these steps to verify your Virtual US Account in Chase:

1. Sign in to chase.com or the Chase Mobile® app. 
2. Go to "Pay & transfer." 
3. Choose "External accounts" and enter the deposit amounts.

1. Go to "Accounts"
2. Click "Add banks and cards"
3. Under Add to Wallet, click "Banks"
4. Scroll to the bottom, then click "Enter your account info"
5. Select "Checking" for account type and fill in your ACH routing number and ACH account number (from your US Virtual Account)
6. Read the user agreement, then click "Authorize and Add Bank"
7. Check your email for instructions on how to verify the deposit amounts. 
8. Once verified, you can transfer from PayPal to your Virtual US Account.

Your Virtual US Account can receive US domestic payments in USD via bank transfer or wire transfer. Common uses include:

• Payroll
• Invoice payments
• Retirement or pension payments
• Investment income

Yes. Funds received to your Virtual US Account are credited to your USD balance and can be held in USD.

If your conversion mode is set to automatic, incoming USD deposits are converted to PHP and sent to your linked account after they arrive.

No. Funds in your USD balance do not earn interest.

No. Your Virtual US Account is closed-loop and linked only to your own linked account.

No. Payments to your Virtual US Account come from a US bank account and are treated as domestic digital payments, not cross-border remittances, so they are not subject to US federal remittance tax.

Your US payer can send funds via:

• ACH (recommended): US domestic bank transfer using your routing and account number
• Fedwire: For higher-value or time-sensitive payments

The following payment types are not supported:

• Cash deposits
• Paper checks
• Zelle
• Card payments
• PayPal or Venmo transfers
• Money orders
• Cryptocurrency transfers

• ACH: Common for payroll, invoices, and routine payments; typically settles in 1–3 business days.
• Fedwire: Used for urgent or high-value payments; typically same-day settlement if sent before the bank’s cut-off time.

No. Only US domestic USD payments are supported. SWIFT transfers and non-USD currencies are not accepted.

• Incoming ACH transfers: No fee
• Incoming wire transfers (Fedwire): $15 fee
• FX conversion: Competitive, market-linked FX rates with no extra conversion fees

• Standard ACH: Typically 1–3 business days
• Same-day ACH: Same day if sent before 4:00 pm EST
• Fedwire: Same day if sent before 5:00 pm EST (processing may still take a few hours)

Funds are credited to your USD balance upon receipt. If conversion mode is automatic, conversion to PHP happens after the funds arrive.

When you convert USD to PHP, we use a market-linked exchange rate plus a small spread. You will always see the conversion quote before confirming.

If your conversion mode is automatic, the same pricing applies at the time of conversion.

Yes. Funds held at our US partner banks are FDIC-insured up to $250,000 per depositor, per insured bank, while they remain in the Virtual US Account.

Deposits may fail if the payment details do not match your account information. The most common reason is a name mismatch between the sender’s payment instructions and the registered account holder name. In these cases, the payment is returned to the sender’s bank.

Some deposits are placed under review for routine risk or regulatory checks. During this time, funds are held securely. After the review, the deposit is either credited to your account or returned to the sender.