The Complete GCash Fees Tables

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

ProductDescriptionAmount
Cash-in – Over the CounterCash-in feesFree for the first Php 8,000 then 2% after every month
Cash-in – Over the Counter (7-Eleven)Cash-in fees1% 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 AppCash-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– Over the CounterCash-out fees via over-the-counter outlets (Puregold, Robinson’s, Cebuana, etc)Php 20 per Php 1000 withdrawn or 2%
Cash-out – GCash CardsCash-out fees using GCash Card in ATMsPhp 10 – Php 18 per withdrawal (depending on ATM)
Cash-out – GCash CardsCash-out fees using GCash Card in International ATMsPhp 150 per withdrawal
Cash-out -GCash CardsGCash Card Purchase feesPhp 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

ProductDescriptionAmount
Send Money – Bank TransferBank Transfer to Other Banks using InstapayPhp 15 per transfer
Send Money – PadalaSender FeesPhp 5 for Php 500
1.5% if greater than Php 500 and less than Php 5000
Pay BillsBiller FeesPhp 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

ProductDescriptionAmount
Buy LoadConvenience fee for SMART Products2% for normal load; Php1-2 for load worth Php 100 or more
Borrow LoadPenalty FeesPhp 1-2 depending on the load borrowed

GCredit, GLoan, and GGives

ProductDescriptionAmount
GCreditPenalty FeesPhp 200 (1-30 days)
Php 500 (31-60 days)
Php 900 (61-90 days)
Php 1500 (>90 days)
GLoanLending Fee3% of the loan amount once availed
GLoan/GGivesPenalty FeesFixed Php 100 +
0.15% of the Principal Loan Amount per unpaid day

GInsure and Others

ProductDescriptionAmount
GInsure – Bill ProtectInsurance Coverage0.92% of the bill amount
GeneralBalance InquiryPhp 0 – Php 2.50 (depending on ATM)
GeneralDormancy FeePhp 50 every 10th day of the month