The Complete GCash Fees Table

Updated Mar 30, 2022

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.

Note: All other services that are not mentioned here are free.

GCash Fees Table

ServiceFee DescriptionFee AmountFree Alternatives
GInsure Bill ProtectInsurance Coverage0.92% of the bill amountNone
GCash Pro 99SubscriptionPhp 99 monthlyIf you only want the Php 500k limit:
1. Create a GSave or GInvest account and deposit at least Php 100
2. Link a BPI or Union Bank account as your online cash-in channel
GGives Penalty Fees Fixed Php 100 +
0.15% of the Principal Loan Amount per unpaid day
None
GGivesProcessing FeeFree (temporary)None
GGivesDownpayment Free (temporary) None
GLoanPenalty FeesFixed Php 100 +
0.15% of the Principal Loan Amount per unpaid day
None
GLoanLending Fee3% of the loan amount once availedNone
GCash PadalaSender FeesPhp 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. PesoNet Send (Bank to Bank Transfer) from banks where there is no fee
4. Cash into CIMB via their app, and withdraw in GCash via GSave
5. From 7-11, cash into the GrabPay app and then send it to GCash as an e-wallet
6. From 7-11, cash into ShopeePay and then send it to GCash
7. 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 apply 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. PesoNet Send (Bank to Bank Transfer) from banks where there is no fee
4. Cash into CIMB via their app, and withdraw in GCash via GSave
5. From 7-11, cash into the GrabPay app and then send it to GCash as an e-wallet
6. From 7-11, cash into ShopeePay and then send it to GCash
7. Ask a friend with a GCash account to help you out by giving cash to them and them using Send Money to you
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 where you have an ATM account.
3. 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 International ATMPhp 150None
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 your balance and close your GCash account
2. Transfer the remaining balance to your other active accounts, if applicable