Updated Dec 2, 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.
| Service | Fee Description | Fee Amount | Free Alternatives |
|---|---|---|---|
| GLoan | Penalty Fees | Fixed Php 100 + 0.15% of the Principal Loan Amount | None |
| GLoan | Lending Fee | 3% of the loan amount once availed | None |
| GCash Padala | Sender Fees | 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-in | Over-the-counter Cash-Ins (7-11, Partner Outlets, Cash-in Machines) | Free for the first Php 8,000 then 2% after per month | 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. From 7-11 or any supported Diskartech partner, cash-in to Diskartech app and then Instapay send to GCash 6. Ask a friend with a GCash account to help you out by giving cash to them and them using Send Money to you |
| Cash-in | Cash-in via 7-11 | 1% 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. From 7-11, cash-in to Diskartech app and then Instapay send to GCash 6. Ask a friend with a GCash account to help you out by giving cash to them and them using Send Money to you |
| Cash-out | Cash-out via over-the-counter outlets (Puregold, Robinson’s, Cebuana, etc) | Php 20 per Php 1000 withdrawn | 1. 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-out | Cash-out via GCash Mastercard in ATMs | Php 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 |
| Cash-out | Cash-out via GCash Mastercard in International ATM | Php 150 | None |
| Bank Transfer | Money Transfer to Other Banks using Instapay | Php 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 Mastercard | Card Purchase | Php 150 per card; Php 60 for the delivery fee (if delivered) | None |
| GCredit | Interest Within the Billing Period | 5% compounded per day (cheaper if paid earlier) | None |
| GCredit | Penalty Fees | Php 200 (1-30 days) Php 500 (31-60 days) Php 900 (61-90 days) Php 1500 (>90 days) | None |
| Pay Bills | Biller Fees | Php 7 – Php 60 or 2% depending on biller | None |
| Balance Inquiry | ATM Charge | Php 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) |
| Dormancy | Non-usage of GCash for 6 months | Php 50 every 10th day of the month | 1. Withdraw balance and close your GCash account 2. Transfer the remaining balance to your other active accounts, if applicable |