Updated Sept 8, 2023
This page describes the various fees GCash charges to its users and free alternatives. If you are interested in the different GCash limits, please refer to this post.
Note: All other services that are not mentioned here are FREE.
Cash-in and Cash Out
| Product | Description | Amount |
|---|---|---|
| Cash-in – Over the Counter | Cash-in fees | Free for the first Php 8,000 then 2% after every month |
| Cash-in – Over the Counter (7-Eleven) | Cash-in fees | 1% of the total cash-in amount Note: this fee applies first, then if applicable, fees for over-the-counter cash-in apply next. |
| Cash-in – Using Other Bank App | Cash-in fees via Other Bank’s Banking App (Instapay/PESONet) | Amount varies from FREE to Php 50 per transaction (BSP Fee List) |
| Cash-out – Over the Counter | Cash-out fees via over-the-counter outlets (Puregold, Robinson’s, Cebuana, etc) | Php 20 per Php 1000 withdrawn or 2% |
| Cash-out – GCash Cards | Cash-out fees using GCash Card in ATMs | Php 10 – Php 18 per withdrawal (depending on ATM) |
| Cash-out – GCash Cards | Cash-out fees using GCash Card in International ATMs | Php 150 per withdrawal |
| Cash-out -GCash Cards | GCash Card Purchase fees | Php 150 per card; Php 60 for the delivery fee (if delivered) |
Some free alternatives for cashing in
- BPI and UnionBank Cash-in in the app (need to link first) – this is until Oct 2, 2023, as there will be a Php 5 charge per cash-in
- Deposit directly into the savings accounts of the GSave banks and then withdraw in GCash
- Instapay Send (Bank to Bank Transfer) from banks where there is no fee
- PesoNet Send (Bank to Bank Transfer) from banks where there is no fee
- Cash into CIMB via their app, and withdraw in GCash via GSave
- Cash into UNO via their app, and withdraw in GCash via GSave
- Ask a friend with a GCash account to help you out by having him Send Money to you
Some free alternatives for cashing out
- Transfer to any GSave bank (like CIMB), then withdraw using any GSave bank ATM if applicable
- Ask a friend with a GCash account to help you by Sending Money to them and then have them hand the cash to you directly
Send Money and Pay Bills
| Product | Description | Amount |
| Send Money – Bank Transfer | Bank Transfer to Other Banks using Instapay | Php 15 per transfer |
| Send Money – Padala | Sender Fees | Php 5 for Php 500 1.5% if greater than Php 500 and less than Php 5000 |
| Pay Bills | Biller Fees | Php 7 – Php 60 or 2% depending on the biller |
Some free alternatives for Bank Transfer
- Deposit to CIMB in GSave and then from the CIMB app, do a DragonPay or PESONet transfer to your bank
- Deposit to UNO in GSave and then from the UNO app, do an InstaPay transfer to your bank
Some free alternatives for GCash Padala
- Create a GCash account and automatically get the money
- Ask a friend with a GCash account to help you by having the sender Send/Receive Money to them and then hand over the cash to you
Buy Load and Borrow Load
| Product | Description | Amount |
| Buy Load | Convenience fee for SMART Products | 2% for normal load; Php1-2 for load worth Php 100 or more |
| Borrow Load | Penalty Fees | Php 1-2 depending on the load borrowed |
GCredit, GLoan, and GGives
| Product | Description | Amount |
| GCredit | Penalty Fees | Php 200 (1-30 days) Php 500 (31-60 days) Php 900 (61-90 days) Php 1500 (>90 days) |
| GLoan | Lending Fee | 3% of the loan amount once availed |
| GLoan/GGives | Penalty Fees | Fixed Php 100 + 0.15% of the Principal Loan Amount per unpaid day |
GInsure and Others
| Product | Description | Amount |
| GInsure – Bill Protect | Insurance Coverage | 0.92% of the bill amount |
| General | Balance Inquiry | Php 0 – Php 2.50 (depending on ATM) |
| General | Dormancy Fee | Php 50 every 10th day of the month |