Send Money to GCash in the Philippines

GCash is the Philippines' dominant digital wallet with over 93 million registered users. It is the most popular way for overseas Filipinos to send money home, offering instant deposits that recipients can spend, transfer, or withdraw at over 100,000 cash-out points nationwide.

How to receive money via GCash

1. The sender selects GCash as the delivery method on their remittance provider and enters the recipient's GCash-linked mobile number.
2. The provider converts the funds to PHP and routes them through the GCash remittance API.
3. The recipient receives a push notification and SMS confirming the deposit.
4. Funds are available immediately in the GCash wallet for spending, bill payments, or cash withdrawal at partner outlets.

GCash: advantages and limitations

Advantages

• Near-universal adoption in the Philippines with 93M+ users
• Instant deposit once the provider completes settlement
• Extensive cash-out network: 7-Eleven, SM malls, Robinsons, and rural bank agents
• Built-in investment, savings, and insurance features in the GCash app

Limitations

• Monthly wallet limits may require full KYC verification for larger transfers
• Cash-out fees apply at partner outlets (PHP 15-25)
• Only available for Philippine-registered mobile numbers

Transaction limits and withdrawal notes

Receive limits: Up to PHP 100,000 per transaction; PHP 500,000 monthly for fully verified accounts

Withdrawal note: Free for receiving international remittances; cash-out at partner outlets costs PHP 15-25

Crypto-to-wallet delivery

USDC can be sent to Coins.ph (a local Philippine exchange), sold for PHP, and withdrawn directly to GCash. Coins.ph supports Stellar, Polygon, and other low-fee networks.

Top corridors for GCash

• USD → PHP
• AED → PHP
• SAR → PHP
• GBP → PHP

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Frequently asked questions

How do I send money to GCash from abroad?

Use a remittance provider that supports GCash delivery (Wise, Remitly, WorldRemit, Western Union). Enter the recipient's GCash-linked mobile number. The money arrives as a PHP deposit in their GCash wallet, usually within minutes.

Is it free to receive money on GCash?

Yes, receiving international remittances on GCash is free. The sender pays the transfer fee. If the recipient wants to withdraw cash, partner outlets charge PHP 15-25 per withdrawal.

What is the GCash wallet limit?

Basic verified accounts have a PHP 100,000 wallet limit. Fully verified accounts (with valid ID) can hold up to PHP 500,000 monthly and receive higher individual transactions.

Can I send crypto to GCash?

Not directly to GCash, but you can send USDC to a Coins.ph account, sell it for PHP, and transfer the PHP to GCash. Coins.ph supports Stellar and Polygon for low-fee deposits.

How fast is GCash delivery?

Most remittance providers deliver to GCash within minutes of processing. Wise typically takes under 30 minutes, Remitly offers instant delivery for most amounts, and Western Union delivers in minutes via the app.

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