Secrets to Having Multiple GCash Accounts

Explore the different secrets behind having alternate accounts in GCash.

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 all your GCash accounts will be tied to a single user id. When you create a new account with GCash, your personal information initially is not linked to that account as long as you haven’t gone through full verification. However, once you do full verification, the new account will be linked to your main one.

In the Philippines, there are a lot of SIM cards that can be bought anywhere, unlike in other countries that tie up mobile numbers with their respective national IDs. Recently, due to the SIM Registration Law, there is more emphasis on maintaining your existing numbers as long as they are registered.

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 depending on verification level:

Basic	Fully Verified
Offline Cash-in	All Basic Features
Pay Bills	Send Money
Buy Load	Request Money
Pay QR	Cash Out
Purchase GCash Card	Amex Virtual Pay
GlobeOne Linking	Linking a GCash Card
Book Movies	GSave
GCash Forest	Transact using GCash Card
	ATM Withdrawals
	Send to Bank (Instapay)
	Online Bank Cash-in
	GCredit
	GInvest
	International Remittance
	Paypal Cash-in
	Payoneer Cash-in
	GInsure
	GLoan
	GGives
	GCash PO
	KKB
	Online Payments
	GLife

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:

• Wallet and Transaction Limits
• GCredit
• GScore
• GLoan
• GGives

Aside from the wallet balance, here are the features that are different between accounts — meaning there is a different instance per account.

• GForest
• GSave (includes all banks)
• GFunds
• GInsure
• GCash PO
• GLife
• GCash Card
• AMEX Virtual Pay
• GCrypto
• GStocks PH
• And others

An example is if you already have a GSave CIMB account created with your main GCash account, when you create another GCash account, you can create another CIMB account given you’ve provided a different email when you signed up.

The features that are shared usually are linked to a primary account. If you have any reason to transfer your primary account to an alternate one, you would need to request it from Help Support.

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 to GCash accounts. You can have a different account for work and for paying bills.

Some features like GSave and GInvest help 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 verify another GCash account using the same ID I used when I verified the main one?

Yes, you can use any valid ID to verify your account. You will then be linked to the other accounts 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. A new feature called Double Authentication would eventually ask you to take a selfie to be able to switch to your other account on other mobile devices.

What is Double Authentication?

Double Authentication is a security feature in GCash that prevents account takeovers by getting your selfie and comparing it with the selfie you provided during verification.

This is a result of a glut of scams perpetuated in social media and SMS. Alongside the masking feature for Send Money, this heightens the account security for all users moving forward.

This facial recognition only triggers when you log in from a different phone you’ve used previously. If the recognition fails 5 times, you will not be able to access your account. You will need to file a ticket to Help Support to prove your identity.

This step goes between the input of OTP and MPIN during the changing number step.

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.

Other Questions

Is SIM Registration different from GCash Full Verification?

Yes. GCash Verification is for verifying your identity in the GCash platform only. SIM Registration is for verifying your identity with your SIM provider. GCash is not connected with any SIM providers directly.

I lost my phone and/or SIM. How can I get my account back?

You need to file a ticket to GCash Support to temporarily suspend your account. The support team will be validating your identity first.

Once done, you can either get a new SIM or have your existing SIM replaced. If you have a new SIM but the same number, you can submit a ticket to lift the suspension. If you have a new SIM and number totally (meaning a new GCash account), you need to request a transfer of funds to this new GCash account.

My verification is stuck in “Upgrade in Progress”. What should I do?

Verification typically takes 7 days to finish. If it’s beyond 7 days, you need to file a ticket with GCash Help Support. Regularly follow up using the same ticket, and not open a new one.

Can I link my BPI, UnionBank, PayPal, and 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 will change as account merging can happen anytime.

This also applies to transaction limits — that is why for some old accounts, sending to your alternate account is a workaround for bypassing limits.

For new accounts, strict merging is done so that only one account (your main one) has the GScore, and GCredit linked. This also goes for any other loan products like GLoan and GGives.

A side-effect of this is if you ever lose your main account, you would need to request from GCash Support to transfer your GCredit and GScore to your new nominated number as your “main account”.

How can I delete my account?

You can request 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 is 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. Also, you may be liable to legal proceedings once your account was used to defraud someone.

Can I create a new account when my alternate one was suspended?

This depends. If you suspended your account voluntarily, creating a new account should have no issues. However, if your account was suspended due to violations, you may need to resolve the violation first before you can verify the new account. Please reach out to Help Support to resolve any account issues.

If your account was suspended due to a police report or a similar sanction, you will not be allowed to verify yourself in any new account. Essentially you will be banned from the GCash platform itself.

Summary

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.

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