A Deep Dive of the Send Money Options of GCash

Let us deep-dive into the different Send Money choices we have for GCash. As we all know, Send Money is the cornerstone of the GCash app. You cannot have a digital wallet without some sort of fund transfer between users.

If it boils down to it, we all need to transfer money in one way or the other – the only difference between payments and sending money is that payments usually come with a receipt and a record of the transaction. But essentially both are types of fund transfer.

What are the different Send Money options in the GCash app?

In the GCash app, there are currently eight sending options. Let’s delve into each:

  1. Express Send
  2. Send via QR
  3. Send with a Clip
  4. Send Gift / Pamasko / Ang Pao
  5. Bank Transfer
  6. Generate QR
  7. Request Money
  8. KKB

1. What is Express Send?

Express Send is the bread and butter of GCash. Basically, you can just send money to any GCash user as long as you know their mobile number. You can also add an optional message and it will be included in the SMS of the recipient.

Unlike Send with a Clip and Send Ang Pao, any sent cash using Express Send cannot be undone. It can only be returned by the receiver directly sending it back.

Here is a quick step by step guide to Express Sending:

  1. Select Express Send
  2. Input the recipient’s number and amount. Confirm the sending. You can also select any of the previous numbers you’ve sent some money to.
  3. The recipient would be receiving a notification SMS as he receives the money.

2. What is Send via QR?

This is the counterpart of Receive via QR, where you can generate your own QR code and print it — which makes payments easy for those who need to regularly receive money. There are more details about Receive via QR below.

Send via QR allows you to scan the generated QR code. You can also use this to scan any GCash QR Code, including payment QR Codes.

How do I use Send via QR?

  1. The receiver needs to show his Generated QR code.
  2. The sender then scans the code using Send Money via QR or using any scanner in the GCash app.
  3. If the receiver QR code is not customized, the seller inputs the amount and confirms the sending.
  4. The recipient should receive an SMS that sending is successful.

3. What is Send with a Clip?

Send with a Clip is the “singing telegram” of GCash. You can add some flair to your sending, by adding some nice artwork, or a 60 second recorded message or a 10-second video.

Unfortunately, any message is gone after 72 hours so we need to make it count. Also, if the gift is unclaimed, the money will go back to the sender.

Here is a step by step guide to Send with a Clip:

  1. Select Send with a Clip.
  2. Input details of the recipient and your desired flair.
  3. Confirm the sending. The recipient would be receiving an SMS and an in-app message. He should click on the in-app message to open the clip and to receive the amount.

4. What is Send Gift / Pamasko / Ang Pao?

Send Gift / Pamasko / Ang Pao is GCash equivalent of giving those little red envelopes during any occasion. This is useful when you need to give at least 2 people a cash gift. The maximum number of people you can give to is 10.

You can set the amount type to “Equal Amounts”, meaning any amount inputted is multiplied to how many people you will be giving; or you can set it to “Random Amounts” where you let GCash determine the share of each gift. This is pretty useful, even if you aren’t really sending a cash gift.

Similar to Send with a Clip, any Gifts / Ang Paos unclaimed will return to the GCash wallet after about 3 days.

Here is a Step by Step Guide to Sending Ang Pao:

  1. Select the Send Gift / Ang Pao.
  2. Input the details for the recipient — no of recipients, amount per person, and message.
  3. Confirm sending. The recipient would receive an SMS and an in-app message. Click on the message to confirm receipt.

5. What is Bank Transfer?

This feature allows you to use the power of Instapay to transfer from GCash into another bank. This service has a fee involved. You can also save your bank details for easy access next time.

Here are the InstaPay fees for most banks:

  • AUB: Free
  • BDO: Php 25
  • BPI: Php 25
  • Chinabank: Free
  • Coins.ph (DCPay): Php 10
  • Landbank: Free
  • Maybank: Php 40
  • Metrobank: Free
  • Paymaya: Php 10
  • PBCom: Php 20
  • PNB: 50
  • PSBank: Free
  • RCBC: Php 25
  • Union Bank: Free

You can also refer to the BSP Instapay fees list if your preferred bank is not here.

Same as Express Send, once you’ve sent funds to any bank, you cannot undo it. So please take care when entering details.

How long would the Bank Transfer take?

The transfer should be instant. Any delays or nonreceipt of funds are usually settled the day after.

Can I also save bank details and schedule a transfer?

Yes, you can save bank details and add up to 5 scheduled transfers with a saved bank.

Are there any transaction limits?

Yes, it still follows the Fully Verified incoming limits (Php 100k total) for the month. If you want to increase this, then you should link a bank account to your GCash (like BPI or Union Bank), since your wallet limits will be increased to Php 500k per month if you do this.

Here is the step by step guide to Sending to Bank:

  1. Select Send via Bank, then select partner bank to send funds to.
  2. Input your account details and confirm sending.
  3. Instapay sending occurs almost instantaneously. You will also be receiving an SMS.

Coins.ph (DCPay Philippines, Inc.), GrabPay and Paymaya are also part of the bank list. As a result, you can send funds to those accounts from GCash.

Now if only they can also send funds to GCash for free as well…

Paymaya, GrabPay and Coins.ph also uses Instapay to send money back to GCash if needed.

6. What is Generate QR?

Generate QR / Receive via QR is a way to send money without memorizing the recipient’s number. The recipient of the money can just generate and send his QR code for the sender to scan. This is the counterpart of the Send via QR feature.

You just need to click on the button, and the generated QR is shown:

The default QR code holds your name and last 4 digits of your GCash number

Can I generate and save QRs beforehand?

Yes, you can customize your QR code to accept a fixed amount or add a nickname to the code. You can also save and share the code.

7. What is Request Money?

Request Money allows you to take the initiative and to request the money from the sender. The sender would only need to acknowledge and confirm the payment.

If you receive an amount regularly, this would be useful as you only need to repeat the same request every time.

How do I use Request Money?

  1. On the request page, click on the New Request.
  2. In the new request, input the requestee’s number, amount, and note.
  3. Confirm the request, and it will show up on the list page.

On the side of the sender,

  1. You will be seeing a message in-app about a request to send. Once inside Request Money, you will be seeing the request under the “Requests Received” tab.
  2. Click on the request details and pay or decline the payment.
  3. Confirm the payment and it will get logged into the list page.

8. What is KKB?

KKB or Split Bill is a way to share payments from within the GCash app. If used correctly, you can make splitting checks/bills easier as there is a certain procedure to it. This is basically a less complicated version of doing Receive Money from different people.

Once the facilitator sets the amount, GCash would be requesting money from all of his companions at the same time. The companions would only need to confirm the payment.

You can also add a group, which makes this even easier for you and your regular companions. You can also choose to split evenly or split by item.

For more details about this, I’ve written a detailed blog post about KKB.

Other Related Questions

Do I need to be Fully Verified to be able to use Send Money?

Yes. Basic Users do not have the Send Money feature.

Is Send Money free to use?

Yes. GCash only charges fees when cash comes in and leaves the GCash ecosystem. This is why there are many different fees when you cash out or when you pay bills in any way.

Are there sending limits?

A Fully Verified account has a limit of Php 100k transactions incoming and outgoing monthly — meaning you can only do a combination of Send Money and payments amounting to Php 100k in a month.

However, if you link a bank account to your GCash account, you will be unlocking the Php 500k wallet limit. In this case the sending limit would also be Php 500k.

Unlocking Higher Cash-in Limits

You can unlock higher limits by linking your BPI/UnionBank or your Payoneer account/s and utilizing either GSave or GInvest with a Php 100 deposit or investment. As an alternative, you can also subscribe to GCash Pro 99 every month.

Once you do so, you will be able to unlock:

  • A bigger wallet limit – Php 500,000 maximum
  • Higher incoming limits – you will be able to receive up to Php 500,000 into your wallet and daily cash-ins have no limitations
  • Higher outgoing limits – withdrawals will have no limitations per month, and you can withdraw up to Php 100,00 per day

You will be receiving an SMS informing you of the increased limits.

Take note that once you’ve unlinked all of your BPI/UnionBank/Payoneer accounts, the limits will revert back to what it was before.

What if I’ve sent the money to the wrong account?

Unfortunately, GCash Support can only help you if the receiver of the money is not a GCash account. Otherwise, the only option you have is to request the receiver to return the funds you have sent.

This is also applicable to Bank Transfers. Once funds are sent, there is no getting it back.

So a reminder is to please take note of the mobile or the account number before sending it. This is why there is a confirmation screen on every Send Money option. Also, if you are sending money to a certain person regularly, it is better to assign him/her a picture to be able to see it on the confirmation screen.

Does sending money increase GScore? How about GCash Forest Energy Points?

Yes, sending money does contribute to a positive GScore, but not by much. This is because sending money takes away from your account. It doesn’t add that much transactional value compared to Save Money or to Invest Money.

Send Money does not add to GCash Forest EPs.


We talked about the different Send Money options in the GCash app. Additionally, we also explained all of the small distinctions between Express Send, Send with a Clip, Send Ang Pao, Send / Receive via QR and Send to Bank.

If you’d like to learn more about GCash, I created a how-to on the basics of GCash.

Here is a list of links if you’re interested in the main GCash features:

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