Palawan Express Pera Padala: A Foolproof GCash Guide

I’ve seen how Palawan Express Pera Padala is popular for remittances. Whenever I pass by one Palawan Pawnshop branch, there is always a line. Perhaps this is because it has the lowest rates for any remittance center in the Philippines.

Palawan Pawnshop Pera Padala rates

But sometimes I wonder, why don’t people turn to other services that have no fee? Just looking at the rate matrix, Palawan Express charges 3% of the money to be remitted. For every 100, you pay 3 pesos. That’s pretty high, but many people don’t have any alternative.

Perhaps this is because not all people have bank accounts. According to BSP, as of 2017, only 77% of all Filipinos remain unbanked. That’s a pretty high number. This is why many fintech apps try to populate this space — there is so much growth potential.

GCash and Palawan Express Pera Padala

As of March 21, 2019, GCash cash-in and cash-outs are allowed in any Palawan Pawnshop branch nationwide. This would hopefully help more Filipinos in adopting GCash, no matter where they are.

Cash-ins are easy since you only need the receiver to download the GCash app into his phone. Even dumbphones can cash in via *143#. Also, when it comes to mobile phone penetration, the Philippines beats a lot of other countries by far.

How do I Cash in GCash via Palawan Express Pera Padala?

You just need a valid ID, and you also need to accomplish a form. In this form, you need to input your complete name, the GCash registered number you are sending to and the amount you are remitting. Once done, you just need to pay the amount you are sending and the cash-in should have been done.

I’ve noticed that different branches use different forms. Some forms look like these below, but many simply use plain paper.

Cashing In GCash via Palawan Pay

Palawan Pay is an e-wallet developed by the Palawan Pawnshop Pera Padala group and takes advantage of the huge number of outlets nationwide for sending remittances.

Cashing into Palawan Pay is cheaper than most methods but has a monthly limit of Php 10000 before a 1% fee is taken. Compared with GCash, the monthly over-the-counter cash-in limit is Php 8000 before a 2% fee.

You can leverage this by cashing into Palawan Pay first, then sending money via Instapay to GCash. The Instapay fee is Php 10.

The prerequisites for sending money to GCash via Palawan Pay are:

  • You should have the app installed
  • You should go through verification in the Palawan Pay app
  • You should have cashed in via any Palawan Express Pera Padala Remittance Center

Sending money via Instapay from Palawan Pay to GCash

  1. From the Palawan Pay main page, click on Send Money.
  2. Click on other e-wallet or online bank.
  3. Select GCash, input the GCash number, amount, and confirm. Make sure that you are inputting the right number of the receiver.

Other Questions

Is there a minimum amount to cash in?

Yes, the minimum is Php 100.

Can I cash in GCash while not being Fully Verified?

Yes, however, there are lower wallet limits if you are Basic Verified only.

Can I send money from my GCash account to Palawan Express Pera Padala?

If sending money, you mean remittance, then no. Palawan Pawnshop only processes GCash cash-in and cashouts. The cash-in receiver should have a GCash account.

If you are looking for a way to send money from a GCash user to a non-GCash user, you can opt to send via GCash Padala.

An alternative is to send to Palawan Pay via Instapay if the receiver has an account. Once the account holder receives the funds in Palawan Pay, then he can cash it out.

What’s the difference between Cash-in via Palawan Express Pera Padala and GCash Padala?

Cashing in via Palawan Express means you have physical money and you are using Palawan Express as your agent in cashing into a user with a GCash account.

GCash Padala means you have a GCash account, and you are sending your money to someone who is a non-GCash user. The non-GCash user can redeem the money at any GCash partner outlet near him.

Does Palawan Padala Express Pera Padala accept GCash Padala?

Unfortunately, no. You can refer to this list for your GCash Padala partners. Usually, only official GCash Pera Outlets can process your GCash Padala.

What are the fees to cash in and to cash out?

For 7-11 cash-ins, there is a 1% fee of the total cash-in amount. For example, if you cash in Php 1000, the fee will be Php 10, and the total amount of Php 990 will be credited or added to your balance. This fee always comes first as it is a 7-11 collected fee.

GCash cash-in for partner outlets is free for the first Php 8000 per month. When the amount goes over the Php 8000 limit, it will incur a 2% fee. This limit refreshes every first day of the month.

For example:
Today, you cashed in Php 7000. There is no fee since it is still below the Php 8000 limit.

The next day, you cashed in Php 2500. Since you went over the limit, there is a fee included with the cash-in but only for the amount over the limit.

The cash-in that has the fee applied is the amount over 8000 this month:
Php 8000 - Php 7000 = Php 1000

Then we subtract from the amount you are cashing in:
Php 2500 - Php 1000 = Php 1500

The fee is 2% of the amount. 
Php 1500 * 0.02 = Php 30

So the total cash-in with the fee would be:
Php 2500 - Php 30 = Php 2470

Any later cash-ins for this month will have a 2% fee after this.

If you are cashing in 7-11, and you’ve exceeded the Php 8000 limit, the 1% fee goes first (7-11 fee), then the 2% goes after (GCash fee).

For example, if you are cashing in Php 1000 in 7-11 after exceeding the Php 8000 limit, the cash-in fee for 7-11 applies first:
Php 1000 - Php 10 (1% of Php 1000) = Php 990

Afterwards, the 2% fee from GCash applies:
Php 990 - Php 19.80 (2% of Php 990) = Php 970.20

The net cash-in amount is Php 970.20.

Once you are near the limit, you will receive a notification in your Inbox informing you of the charges once you go past the limit.

Please take note that this is only for manual cash-ins — remittances and bank cash-ins are not included.

If you want to know how to circumvent this fee, you can refer to my fees page to see alternative solutions.

For cashouts, there is a Php 20 service fee for every Php 1000. For example, Php 3500 has a Php 60 service fee in total.

Generally, there is always a service fee if you want to cash out your money. If you have a bank account though, you can always transfer it there for free and then withdraw it using your ATM card.

What branches support cash-in and cash-out?

All Palawan Pawnshop branches nationwide support cash-in and cash-out.

Does Palawan Pawnshop offer GCash Mastercard?

No, but you can buy it from the GCash app, from Globe Stores, or from convenience stores.

Is Palawan Pawnshop a GCash Remit partner?

No, the list of remittance partners for GCash Remit is here.

Can I remit using GCash directly?

Yes, you can remit from a GCash account to a non-GCash user via GCash Padala. The fees are also smaller than Palawan Pawnshop at 1.5%.

Does the receiver need to be GCash Fully Verified to receive cash-ins from Palawan Express Pera Padala?

No, the receiver can be Basic Verified to receive funds.

What IDs can I use to cash in or cash out?

For GCash verification and for receiving GCash Padala, you would need a valid ID from this list:

  • UMID
  • Driver’s License
  • SSS ID
  • Passport
  • Phil Postal ID
  • PRC ID
  • Pag-IBIG ID
  • Philsys / ePhilID
  • Alien Certificate of Registration (ACR) – if you are a foreign national
  • Student ID, Birth Certificate – if you are a minor, and applying for GCash JR

If you don’t have an ID from this list, you need to file a Help Support ticket to help in your verification.

The cash-out receiver should also have the same name as in the ID to be able to claim the money.


Palawan Express Pera Padala now supports GCash cash-ins and cash-outs nationwide. Cash-ins are free before the Php 8000 limit, cash-out has a fee of Php 20 per Php 1000 to be sent.

For a similar but cheaper padala experience, you can also opt to send money via GCash Padala. This supports sending money from a GCash user to a non-GCash user.

If you want to know about other cash-in and cash-out options, here are some related posts:

I have a new e-commerce site where you can buy some e-books here: GCR Prime

After reading about what GCash is, here are the main GCash features:

91 thoughts on “Palawan Express Pera Padala: A Foolproof GCash Guide”

  1. Hello Gcash,

    I just want to ask a question since it doesn’t mention it in the article.


    I already had Php 7,000 in my Gcash account balance for the month of April.
    This month of May, I want to cash in my Gcash account with a total amount of Php 3,000, so my account balance will be having a total amount of Php 10,000.

    If I will cash in this Php 3,000 for this month, is Gcash will deduct a 2% fee on my account since I have available balance of over Php 8,000 over the limit.

    Thank you for your response.

    • GCash does not look at your GCash balance. It only checks for the cash-in amount using over-the-counter channels. Your balance during April does not affect any cash-ins during the month after. So in your example, for May, if you cash-in your 3000, it will not have any fee.

      But for example, if you cashed in 3000, then you cashed in 10000 today, then you would have gone over the 8000 limit for the month. In this case, the amount over 8000, which is 5000 would be subject to the 2% fee (i.e., 100 pesos).

  2. If I’m not mistaken, not only in palawan express, even In 7/11 they charge 2% for the first 8k cash-in of the month, here’s my question what if I cashed in 7k in palawan express then my next cash in for the same month will be on 7/11 amounting 5k does 7/11 charge me 2% of 5k

    • GCash will charge you when you go over 8k total for the month. So when you cash in 7-11, your remaining free cash-in is only 1k. That means the amount that will be charged 2% is the remaining 4k of the original 5k. That means an 80 peso charge (4k x 0.02 = 80). Hope it’s clear.

      • hello po, what do i need to do/prepare to cash in money to another person’s account via palawan po? do i need to show my id din ba po? and yung apat na nakacheck sa picture lang po ba ang kailangan i-fill out? thank you po!

        • Yes, last time I went there they asked for my ID, aside from accomplishing the form. Better bring one just to be sure. Regarding the form, yeah, you just need to fill out the checked items.

  3. Hi! I tried semi-verifying my account and was with a CS rep from gcash for the whole day trying to atleast semi-verify my account. I used gcash for transactions because I thought it would be easy to semi-verify/verify my account but my money has been stuck there for days now and not verifications whatsoever. What can I do? Is there any way to get my money? Can I cash out the money with just being a basic user? Thank you very much!

  4. Paano po kung nawala yung sim card ko which is yun yung gamit ko sa gcash ko. How can i cash out po? Please do reply. Thanks.

    • Kung kaya mong ipareplace yung sim card, puwede pong gawin yun, daan lang sa smart/globe store with affidavit of loss.

      Pero kung wala na talaga, puwede rin naman magrequest ng change of number sa gcash support (

  5. Hi, can my mom cash out in Palawan express even tho the gcash account is named after me? She’s the one using it, I think as long as she got the pin? Or it’s not possible?

    • When you cash out in Palawan or in any over-the-counter partners, you need to show a valid ID. So I don’t think your mom will be able to do it.

  6. How much will be the charge fee or percentage if the cash out amount is less than 1000 pesos?

    Knowing that there will be 2% fee for every 1k cash out amount.

        • kung ito yung unang cash-in mo ngayong buwan, 29560 siya —

          yung unang 8k walang fee, so yung natitira magkakaroon ng 2% fee:

          amount na may fee = 30000-8000 = 22000
          yung fee mismo = 22000*0.02 = 440
          total na makukuha = 30000-440 = 29560

  7. Hello gcash

    What if may mag complain ng refund, after ma cash in sa gcash through Palawan Express. Pwede parin ba ito ma refund kung d nya naman binigay ang control no#.?

    • Pag sa gcash cash in, pasok agad yun sa account ng tatanggap. Hindi siya kagaya ng pera padala na kailangan pa ng control icclaim pa sa ibang branch ng Palawan Express.

      Basta pag nasend na sa gcash, mahirap nang ibalik kasi parang nagbigay ka rin ng salapi.

  8. Pwd ko Po bang malaman if maka saving Po ako ng worth of 100k Sa gcash savings ko tapus mag cacash out Po ako pwd ko Po ba e cash out anng worth of 50k? Pleay di reply di Po Kasi ako marunong magtipid ng pera kaya na pag isip ko po. Baka makaka ipon ako dito gamit Ang gcash account ko po pwd Po ba yun? Please do reply Po 😘🙍

    • Ako sa iyo sir i lagay mo yan sa ATRAM investments na nasa gcash kahit maliit lang yung interest returns. Kung mag iipon ka at wala ka namang banko pwede po sa gcash ka mag invest.. at saka hindi po sya mahirap gawin kaso lang maliit lang talaga yung increase..i.e(100 investment in 2 months 100.05)

  9. Pwede pa rin po bang mag cash-in through Palawan Pawnshop even though hindi pa po fully verified ang isang G-Cash account? Salamat po.

  10. Lagi po bang required i-fill-out ang step2 ng new GCash Service form tuwing magka-cash in sa Palawan Express? I thought once lang dapat i-fill-out ‘yon and succeeding cash ins can just be step1 and step3

    • Well, yung step 2 kasi pipiliin mo kung magccash-in ka ba o cash-out at kung anong ID ang gagamitin mo. Kaya kailangan rin yun sa palagay ko, konting dagdag lang naman sa effort, sulitin na.

  11. hindi po ba pede ang tin id para gamitin sa verification process? wala na po kasing ibang id na meron. thank u po.

  12. Hi Good day,

    Magkano po ang mababawas pag nag cash-out ka sa palawan, cebuana or villarica?
    Ex: 5000 ang pera mo sa gcash.


  13. My 1st time. Nakasend ako ng cash to a friend na walang gcash account. Paano nya maclaim? Pwede ba iclaim ko nalang ulit p? Or is there a way na pwede ibalik ng gcash sa account ko yung amount?

    • Puwede yung friend mo gumawa ng account with that number para maclaim niya. Otherwise you can file a ticket to have it reversed.

  14. Hi po…ask Lang PO..Yung friend ko abroad nag send Ng money sa gcash ko 4days na pero hnd pa pumasok sa gcash ko Wala pa akong na recurve na txt pwede ko PO Kaya puntahan sa gcash outlet Yun para ma check Kung nakapasok na?..sorry di po KC ako familiar masyado sa gcash bago Lang PO Yung gcash ko.thanks

    • Tama ba number na sinendan ng friend mo? Makikita mo ba yung kopya ng text o kaya screenshot ng transaction? Ang naiisip ko kasi ay:
      1. Di ka pinadalhan.
      2. Mali ang pinadalhan.

      Kaya need mo hingin ang proof ng transaction sa kanya. Doon rin makikita kung mali ang pindalhan niyang number, kung meron man. Puwede rin makita yun sa GCash app mismo kasi may transaction history doon.

      Kahit na pumunta ka sa GCash outlet, yun rin ang hihingin niya sayo. Proof of transaction.

  15. ask lang sa 2nd wave po kasi ng sap nagpalit po kasi ako ng cp number at ibinigay ko po sa brgy namin.. ang sabi po sa akin wait lang daw po ako ng txt e hanggang ngayon po wala padin, pwede po ba akong mag fill up ng form sa inyo sa gcash at antay nalang ako ng confirmation sa txt?

  16. Good day!
    I have cash-in to Gcash thru Palawan Express Pera Padala but the amount was not received by the receiver because he have reached the allowable GCash wallet transfer limit at this time. Where can we follow up po for the amount be returned? Thanks

  17. I am just 18 yrs. old po and walang ibang valid id’s kundi student id lang po meron po ako, paano po yun after ko po ba magfill up ng gcash form through palawan branch po pwede po kaya tanggapin po yung student id ko po pagmagpacash-in po ako ng gcash sa palawan express po kase fully verified po me sa gcash account ko po kaya iniisip ko po baka di po sya tanggapin if student i.d lang poa ko meron po?

    • Pagkaalam ko kasing pinipiling mga ID ay yung plastic na IDs na may picture at address mong nakasulat doon. Pero kung yan lang talaga ang ID mo, puwede mo rin sigurong subukan.

  18. Is it possible to cash out in bayad center even if I am a Basic User? My verification requests is still pending, added to that GCash could not even verify my account faster which is disappointing.

    • You need to be Fully Verified to be able to cash out. You can follow up your request via ticket or email. You can also call, if you have the patience.

  19. i dont have a gcash account but the person whom i am going to send money has a gcash account, can i send money thru palawan express and fill up a gcash service form?

    • Pag nagcash-in ka gamit ng mga over-the-counter partners (kagaya ng Palawan o 7-11), may charge siya basta nakalagpas ka na ng 8k ngayong buwan. Hanggang di pa umaabot ng 8k, walang extra charge. Pag lumampas ka na ng 8k, may 2% charge siya. Nagrereset siya nung 8k limit kada buwan.

  20. hello poh.example poh nag reach nq ng 8k sa month nato..tapos cash in ulit aq sa palawan example 100pesos..ung 2pesos poh ba na charge sa account na edededuct or kelangan magbayaf sa sa counter ng palawan

  21. Paano po ako mafufully verified kung sa tuwing iniscan kona yung face e sinasabing “We could not validate your face scan. Please make sure your area is well lit and try again”?

  22. Hello, I went to palawan express and was able to cash in but my question is why do they have to take a picture of me after filling up the form even if was able to provide my driver’s license?

  23. Fully verified po yung gcash account ko may limit na 100k. pwede po ba akong mag cash in sa palawan ng 75k? Ang sabi kse 50k lang daw per month ang pwede.. at kung ganun man po. pwede po ba ako magpadala ng 25k money express send sa gcash ko? Tatanggapin po ba yun ng account ko? Salamat po.

  24. Yung account ko sa gcash is fully verified 100k ang limit. Pwede po ba akong mag cash in ng 75k sa palawan? Sabi kase doon 50k lang daw limit. Kung 50k ang limit nila pwede ba iseng yung remaing 25k as express send using another gcash account? Hindi ba siya mageexceed?

    • Kung total 75k ang iccash-in sa account niyo, kahit saan pa manggaling yan hindi dapat mag-eexceed kasi 100k ang limit.

  25. Ano po yung gagawin if mali pong number yung na cash in an nag cash in po ako sa palawan express/tambunting mali po yung account number na nailagay ko tinarawagan ko po yung number na nalagay ko pero parang hindi na ata ginagamit pano po ba matatransfer sa tamang number na pag cacashin an ko po salamat

    • Dapat po icheck muna ang cash in number. Parang sa bangko po yan dapat tama ang deposit account number. Kung mali, di na maibabalik.

  26. hi po bakit ngayon di pwede ang magcash in gamit ang palawan at rd pawnshop ano pong nangyari sa gcash kasi sabi ng teller offline daw paano po iyon paano ako magcash in nung isang araw pa ako pabalik balik sa palawan ehhhhh…. sana po masagot

  27. Hello, Gusto ko lang po itanong , kase last sunday Nagpa cash in ako Sa palawan pero mali ung naibigay kong last no. Ng gcash ko , isang no. Lang ung namali and yun nga nagsensd naman daw sa account no. Na naibigay ko, kaya ni-try kong tawagan ung no. Na yun pero invalid namn ung no. Kaya pinatry ko sa teller kng may lalabas ng acct. Name dun sa no. Na naibigay ko , pero wala nman lumabas!. Kaya naisip ko paano mag sesend ung pera kng wala nmn gcash acct. Ung no. Na yun!
    Posible p po ba maibalik ung pera na naipa cash in ko?


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