How to cash in through InstaPay or PESONet
Follow these steps to cash in through InstaPay or PESONet:
- Log in to your bank's app or site
- Go to Money Transfer
- Tap Transfer to Other Banks via InstaPay or PESONet
- Choose GCash as the bank
- Enter your GCash mobile number and amount
- Review and tap Confirm
- Enter the OTP from SMS or email
- Tap Confirm then OK
You'll get an SMS to confirm your cash in.
InstaPay vs PESONet:
| Feature | InstaPay | PESONet |
|---|---|---|
| Amount | Up to PHP 50,000 per transaction | Can be more than PHP 50,000 |
| Speed | Right away | Usually next banking day |
| Daily Incoming Limit | PHP 10,000 (within 2 weeks of first cash-in), then PHP 50,000 | Varies per bank |
| Monthly Incoming Limit | PHP 100,000 (Fully Verified), PHP 500,000 (GCash Plus) | |
| Fee | Varies per bank | |
PESONet Crediting Times
- Cash in 4 AM - 12 AM: Get funds by 10 AM
- Cash in 10 AM - 1 PM: Get funds by 1 PM
- Cash in 1 PM - 4 PM: Get funds by 4 PM