SG777 GCash — Limits, Fees & Settlement
GCash is a Philippine payment rail — regulation: Regulator: Bangko Sentral ng Pilipinas, with the licence recorded as Electronic Money Issuer.
Key facts and contents
- Operator
- G-Xchange, Inc., which belongs to Mynt, a venture formed by Ayala Corporation together with Globe Fintech Innovations
- Regulator
- Regulator: Bangko Sentral ng Pilipinas, with the licence recorded as Electronic Money Issuer
- Wallet limit
- A Fully Verified wallet is capped at PHP 100,000, counted at any point in time. The entire range of tiers, namely Basic at PHP 10,000 up to the highest, GCash Platinum at PHP 1,000,000, with GCash Jr
- Per-transaction cap
- Not published
- Settlement
- live for wallet-to-wallet and InstaPay transfers, with PESONet settling the same banking day
- Figures as of
- 2026-09
GCash, a Philippine payment rail, is covered here in its own right, meaning its limits, settlement behaviour and published fees, with no casino cashier involved.
GCash at a glance
| Field | Value |
|---|---|
| Operated by | G-Xchange, Inc., which belongs to Mynt, a venture formed by Ayala Corporation together with Globe Fintech Innovations |
| Regulated by | Bangko Sentral ng Pilipinas |
| Wallet limit | A Fully Verified wallet is capped at PHP 100,000, counted at any point in time. The entire range of tiers, namely Basic at PHP 10,000 up to the highest, GCash Platinum at PHP 1,000,000, with GCash Jr (PHP 50,000), Fully Verified (PHP 100,000) and GCash Plus (PHP 500,000) in the middle |
| Per-transaction cap | Not published |
| Settlement | live for wallet-to-wallet and InstaPay transfers, with PESONet settling the same banking day; the rail underneath is responsible for this, not GCash |
| Published fees | No fee applies to OTC cash-in until the monthly total across all OTC channels passes PHP 8,000; 2 per cent is then charged on the excess, with a reset on the first of each month. Fees on InstaPay cash-in from a linked bank come from the bank itself, with BPI at PHP 15 and UnionBank at PHP 10. GCash lists PayPal cash-in at 1 per cent for anything under PHP 20,000, then a flat PHP 200 at that level and higher, moving to a flat 1 per cent from 7 March 2026. Payoneer does not charge for cash-in or remittance claims. The outlet decides the fee at a Pera Outlet agent, with 1 per cent suggested and PHP 100 as the lowest cash-in amount |
What you see here is a 2026-09 reading and may have moved since. Without notice, payment providers revise limits and fees, which makes the provider’s own page the one current source.
Verification tiers
- Basic — Use it to buy load, cash in, pay bills or scan to pay. The wallet can hold up to PHP 10,000 and handles PHP 5,000 in and PHP 5,000 out monthly, while stating no daily cap
- GCash Jr. — Aimed at ages 7 to 17, it offers the Basic feature set. PHP 10,000 in per month, PHP 10,000 out per day and per month, under a wallet ceiling of PHP 50,000
- Fully Verified — Services newly added include the GCash card, pay online, bank transfer and send money, in addition to GLife, GInsure, GInvest, GSave and Borrow. Holding limit PHP 100,000; incoming PHP 100,000 a month; outgoing PHP 100,000 a day, and no monthly limit applies to outgoing
- GCash Plus — A linked bank or investment account plus Fully Verified status is what this requires. The wallet holds at most PHP 500,000, takes in at most PHP 500,000 a month and sends out at most PHP 100,000 a day
- GCash Platinum — Eligible Globe Platinum subscribers only. The wallet tops out at PHP 1,000,000, takes in PHP 1,000,000 monthly, sends out PHP 500,000 daily and PHP 1,000,000 monthly
The published ceiling of A Fully Verified wallet is capped at PHP 100,000, counted at any point in time. The entire range of tiers, namely Basic at PHP 10,000 up to the highest, GCash Platinum at PHP 1,000,000, with GCash Jr (PHP 50,000), Fully Verified (PHP 100,000) and GCash Plus (PHP 500,000) in the middle applies to the tier stated above, not to every account.
How fast money actually moves
GCash settles live for wallet-to-wallet and InstaPay transfers, with PESONet settling the same banking day; the rail underneath is responsible for this, not GCash. This covers the rail only, since a casino can hold a withdrawal for review before it reaches GCash, and that is generally the cause of waiting time.
A per-transaction cap is not published. None is published for this rail.
What GCash says about gambling transactions
The closest general clause in GCash’s own terms and conditions bars pyramid and Ponzi schemes, but no clause blankets gambling merchants with a ban. The few restrictions that apply are set by the regulator. On 14 August 2025 the BSP issued Memorandum M-2025-029, requiring every institution it supervises to remove in-app links and redirects to gambling and gaming sites within 48 hours, and from 16 August 2025 GCash no longer offered top-up and withdrawal through GLife Games.
On illegal gambling operators, GCash states a policy of zero tolerance, and it reports having blocked roughly 3,200 merchants whose misuse of its QR system diverted users to illegal gambling and scam sites. In-app gaming top-ups and merchants linked to illegal gambling are both restricted by these controls. Not a word of it permits GCash to fund a licensed casino’s cashier, and not a word of it forbids it.
Checking a casino cashier for GCash
- Sign in to the casino account you hold and open the deposit screen.
- Look for GCash by name in the list of methods; if it is missing there, that account does not offer it.
- Make sure the name on your GCash account and the name on your casino profile match exactly.
- Before confirming, read the minimum, maximum and any GCash fee the cashier prints next to the method.
GCash’s own rules are above; whether a given casino takes GCash is a question only its cashier answers.
FAQ
How long does GCash take?
The rail settles live for wallet-to-wallet and InstaPay transfers, with PESONet settling the same banking day; the rail underneath is responsible for this, not GCash. Before it lets a withdrawal go, the operator carries out its own review, which is separate and tends to be longer.
Does GCash charge fees?
Published fees: No fee applies to OTC cash-in until the monthly total across all OTC channels passes PHP 8,000; 2 per cent is then charged on the excess, with a reset on the first of each month. Fees on InstaPay cash-in from a linked bank come from the bank itself, with BPI at PHP 15 and UnionBank at PHP 10. GCash lists PayPal cash-in at 1 per cent for anything under PHP 20,000, then a flat PHP 200 at that level and higher, moving to a flat 1 per cent from 7 March 2026. Payoneer does not charge for cash-in or remittance claims. The outlet decides the fee at a Pera Outlet agent, with 1 per cent suggested and PHP 100 as the lowest cash-in amount. Providers revise these without notice.
Who regulates GCash?
GCash — regulation: Regulator: Bangko Sentral ng Pilipinas, with the licence recorded as Electronic Money Issuer. That covers the rail, not the casino.
Does a casino I play at accept GCash?
Open its deposit screen while signed in and look for GCash in the method list. If the screen names it, check that both account names match and note the limits shown; if it does not, that casino does not take GCash for your account.