GCash accounts are usually tied to only a mobile number. Once you create an account, you can then tie this account to a person via verification of KYC (Know-Your-Customer).
Now some questions you may have about this are: can I create multiple GCash accounts? And how does this work with GCash? Is this legal? Anyway, let’s dive into it and explore how we can use this to our advantage.
Can I have more than one GCash account?
Yes, because a GCash account is initially just tied to a mobile number. When you create an account with GCash, your personal information is not linked to that account as long as you haven’t gone through full verification.
In the Philippines, there are a lot of SIM cards that can be bought anywhere, unlike in other countries that tie up the mobile number with their respective national IDs. The only way GCash can fundamentally work as it is right now is it should be flexible enough to accept multiple numbers while limiting the users via verification.
How many multiple accounts can I create?
According to the GCash Help Center, you can create up to 5 accounts. Linking of accounts to a certain user happens whenever you go through full verification; so in short, the account limit for a certain user should be 5 fully verified accounts.
If you go beyond this, customer support will be contacting you to choose only 5 accounts to maintain.
Should I also have my other accounts fully verified?
Verification is not mandatory. However, you cannot access a lot of features without going through verification. Here is a list of features you can access per verification level:
|Offline Cash-in||All Basic Features|
|Pay Bills||Send Money|
|Buy Load||Request Money|
|AMEX Virtual Pay||Cash Out|
|Pay QR||Linking a GCash Mastercard|
|Purchase GCash Mastercard||GSave|
|Online Payments||Transact using GCash Mastercard|
|Book Movies||ATM Withdrawals|
|GCash Forest||Send to Bank (Instapay)|
|GlobeOne Linking||Online Bank Cash-in|
What features can I share between accounts?
Here are the features you share between accounts, meaning there can be only one instance between all of the existing accounts:
Aside from the wallet balance, here are the features that are different between accounts — meaning there is a different instance per account.
An example is if you already have a GSave account created with a GCash account, when you create another GCash account, you can create another GSave account given you’ve provided a different email when you signed up.
Take note that this setup will most likely change in the future.
What are the benefits of having multiple accounts?
Having multiple accounts helps categorize your wallets. As in real life, we can have different wallets for different purposes, this can also be applicable with GCash accounts. You can have a different account for work and for paying bills.
For some features like GSave and GInvest, it helps you categorize your savings and investments as well. Think of the benefits of having a different GSave savings account per GCash account.
Also, all of the things you do with your accounts count towards your singular GScore. This can help you avail of more GCredit, GGives and GLoan amounts.
Can I make another GCash account using the same ID?
Yes, you can use any valid ID to verify your account. You will then be linked to the other account you have.
Can I make another GCash account using the same number?
No, because the main identifier of a GCash account is the mobile number, so this should be unique per account.
How do I switch between other GCash accounts?
You can log out from GCash from your current device. Then from the login screen, click on the “Change Number” link to change to your alternate number. Take note that you need to enter the OTP sent to that number.
How do I register another GCash account ?
Similar to switching to another account, you need to log out from GCash, then from the login screen, change your number to your new mobile number. After inputting the OTP, the next screen should be a registration screen. You need to input your basic information and MPIN to finish the registration.
Can I link my BPI, UnionBank, PayPal, Payoneer to multiple accounts?
Yes, you can link your accounts with all of your GCash accounts if you need it. Take note though that some accounts, like PayPal, are strict with linking.
Why do I have different GScore and GCredit amounts on my other accounts?
For some old accounts, there is no linking and merging done yet. As such, the “single-instance-between-accounts” rule is not necessarily followed. However, this policy can change as there may be account merging that can happen anytime.
This also applies to transaction limits — that is why for some old accounts, sending to your other account is a workaround once you’ve encountered any limit.
For new accounts, strict merging is done so transaction limits are already shared.
How can I delete my account?
You can request for it in Help Support. They will be requiring you to settle all outstanding balances regarding your account, and to send them an accomplished deletion form.
Take note though that due to data retention requirements of the BSP, the actual deletion can only be done after 5 years. Basically, your account will be inactive until that time.
If you change your mind, you can always activate it before the 5 year limit is up.
Can I sell my alternate account?
Definitely no, as this tied to your identity. Any selling of accounts will open you to possible abuse as any bad actor can impersonate you and do illegal things.
We talked about the benefits of having multiple GCash accounts. There are certain features that are shared between accounts like GScore, GCredit, GLoan, and Transaction Limits.
However, if you have an old alternate account, there may be little to no restrictions in terms of sharing accounts. For new alternate accounts, account linking is now strictly done during full verification so it’s less likely for this to happen.
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: