GCash Fees Table

Updated July 16, 2021

This page describes the various fees GCash charges on its users and free alternatives (just scroll to the right to see the alternatives column). I will be updating this as we get new information.

If you are interested in the different GCash limits, please refer to this post.

All other services that are not mentioned here are free.

ProductFee DescriptionFee AmountFree Alternatives
PadalaGCash Padala (for Sender only)Php 5 for Php 500
1.5% if greater than Php 500 and less than Php 5000
1. Create a GCash account and automatically get the money
2. Ask a friend with a GCash account to help you out using Send/Receive Money and handing the cash to you
Cash-inOver-the-counter Cash-Ins
(7-11, Partner Outlets, Cash-in Machines)
Free for the first Php 8,000 then 2% after per month1. BPI and UnionBank Cash-In in the app
2. Instapay Send (Bank to Bank Transfer) from Banks where there is no fee
3. Use multiple GCash accounts (limit of 3 per person) to cash-in and prevent going over the first Php 8000 limit per account
4. Cash-in to CIMB via the app, and withdraw in GCash via GSave
5. Ask a friend with a GCash account to help you out by giving cash to them and them using Send Money to you
Cash-inCash-in via 7-111% of the total cash-in amount
Note: this fee applies first, then if applicable, fees for over-the-counter cash-in applies next.
1. BPI and UnionBank Cash-In in the app
2. Instapay Send (Bank to Bank Transfer) from Banks where there is no fee
3. Use multiple GCash accounts (limit of 3 per person) to cash-in and prevent going over the first Php 8000 limit per account
4. Cash-in to CIMB via the app, and withdraw in GCash via GSave
5. Ask a friend with a GCash account to help you out by giving cash to them and them using Send Money to you
Cash-inCash-in via Debit Card2.58% fee per cash-in
Currently suspended
Not Applicable
Cash outCash-out via over-the-counter outlets (Puregold, Robinson’s, Cebuana, etc)Php 20 per Php 1000 withdrawn1. Transfer to GSave, then withdraw using CIMB ATM
2. Ask a friend with a GCash account to help you out using Send/Receive Money and handing the cash to you
Cash outCash-out via GCash Mastercard in ATMsPhp 10 – Php 18 per withdrawal (depending on ATM)1. Transfer to GSave, then withdraw using CIMB ATM
2. Cash into your ShopeePay and do a ShopeePay transfer to a supported bank you have an ATM account with.
3. Ask a friend with a GCash account to help you out using Send/Receive Money and handing the cash to you
Bank TransferMoney Transfer to Other Banks using InstapayPhp 15 per transfer (started Nov 1, 2020)1. Transfer to GSave and then from the CIMB app, do a DragonPay transfer to your bank
2. Transfer to GSave then from the CIMB app, do a PesoNet transfer to your bank (if supported)
3. Cash into your ShopeePay and do a ShopeePay transfer to a supported bank.
4. Cash into your GrabPay using an enrolled GCash AMEX card and transfer to a supported bank.
GCash MastercardCard PurchasePhp 150 per card; Php 60 for the delivery fee (if delivered)None
GCreditInterest Within the Billing Period5% compounded per day (cheaper if paid earlier)None
GCreditPenalty FeesPhp 200 (1-30 days)
Php 500 (31-60 days)
Php 900 (61-90 days)
Php 1500 (>90 days)
None
Pay BillsBiller FeesPhp 7 – Php 60 or 2% depending on billerNone
Balance InquiryATM ChargePhp 0 – Php 2.50 (depending on ATM)1. Check your wallet balance in the app
2. Use USSD (*143#) to check your balance (if you are a Globe user)
DormancyNon-usage of GCash for 6 monthsPhp 50 every 10th day of the month1. Withdraw balance and close your GCash account
2. Transfer the remaining balance to your other active accounts, if applicable