Sending money with GCash is fast, secure, and accessible to millions of Filipino users. Whether you are paying bills, funding a wallet, or supporting family, the steps are simple once you know the core options.
This guide walks you through the most reliable ways to send GCash, the limits and fees involved, and how to avoid common mistakes.
| Method | Description | Typical Limit | When to Use |
|---|---|---|---|
| Send Money to GCash Wallet | Direct transfer to a registered mobile number or QR code | 10,000 PHP per transaction, up to 30,000 PHP daily | Quick peer-to-peer payments within the GCash network |
| Bank Transfer to GCash | Link your bank account via Express Payment or partner banks | 50,000 PHP per day depending on bank | Funding GCash from a bank deposit or salary |
| Over-the-Counter (OTC) via Partners | Cash-in at partner stores or GCash Out agents | Up to 100,000 PHP per transaction | When you have cash or need higher cash-in limits |
| Third-party Platforms | Using apps that integrate with GCash, such as online sellers | Varies by platform | Shopping, bill payments, or freelance payment collection |
How to Send GCash to Another Wallet
Sending money directly to another GCash wallet is one of the most common use cases. This method works for friends, family, or small businesses that accept GCash.
To send to a wallet, open the GCash app, tap Send Money, and enter the recipient’s registered mobile number. Confirm the amount, add a memo if needed, and verify with your MPIN or biometric login.
Always double-check the name associated with the number before you confirm. GCash does not allow cancellations once the transaction is completed, so accuracy is essential.
How to Fund Your GCash from a Bank
If you prefer using your bank account, you can fund your GCash balance through bank transfer or via over-the-counter cash-in.
First, link your BPI, BDO, Metrobank, or other partner bank accounts in the GCash app under Bank Accounts. After linking, choose the fund source when paying or sending money to ensure sufficient balance.
For larger amounts, visit a GCash partner outlet or authorized bank to cash in funds directly into your wallet. Keep your official receipt and transaction ID for reference.
Using QR and Scan-to-Pay for Faster Payments
QR code payments are ideal for scanning at stores, terminals, or when paying freelancers who display a GCash QR sticker.
Open the Scan button in the GCash app, align the camera to the QR code, and confirm the payment amount. You can also request QR from another user to receive money without sharing sensitive details.
QR payments are generally real-time and convenient, but make sure you trust the merchant or contact to avoid misdirected funds.
Transfer Limits, Fees, and Best Practices
Understanding daily limits and fees can save you from surprises and help you plan larger transactions effectively.
- Verify the recipient’s mobile number and full name before confirming any send action.
- Check your current GCash balance and any bank authorization limits before sending large amounts.
- Use memo fields to label payments for easier tracking and dispute support.
- Keep screenshots of successful transactions for your records and customer support.
- Log in using secure networks and keep your GCash app updated for the latest security patches.
Staying Safe While Sending GCash
Following basic security habits reduces risks and ensures smooth transactions every time you send GCash.
Enable GCash Security, review transaction alerts, and avoid sharing your MPIN or one-time codes. Regularly update your app and verify contact details to maintain full control over your funds.
FAQ
Reader questions
How do I send GCash to a friend who only has a bank account?
You can transfer from your GCash wallet to their bank using the Send Money to Bank feature if both accounts are linked and within limits.
Can I send more than 10,000 PHP in one GCash wallet transaction?
Standard peer-to-peer sends are capped at 10,000 PHP per transaction, but you can split payments or use bank funding to transfer larger amounts.
What should I do if I sent GCash to the wrong number?
Contact GCash support immediately with your transaction ID. While reversals are not guaranteed, early reporting improves the chances of assistance.
Do GCash-to-GCash transfers incur fees?
Peer-to-peer sends between GCash wallets are usually free, but bank transfers and OTC cash-ins may have fees depending on the funding source.