This section lists all of the limits currently in GCash. For a list of GCash fees (and alternatives to these fees), please see this page instead.
Wallet and Transaction Limits
|Detail||Basic||Fully Verified||Fully Verified with|
|Wallet Size||Php 50,000||Php 100,000||Php 500,000|
|Daily Incoming Limit||Php 10,000||N/A||N/A|
|Monthly Incoming Limit||Php 50,000||Php 100,000||Php 500,000|
|Daily Outgoing Limit||Php 5,000||Php 100,000||Php 100,000|
|Monthly Outgoing Limit||Php 100,000||N/A||N/A|
The linked accounts here pertains for BPI, UnionBank and Payoneer accounts.
If you encounter GCash limit exceeded errors, you will need to wait for next month for your limits to reset, or you can use an alternate GCash account to transact.
GCash Over-the-Counter Cash-in Limits
For 7-11 cash-ins, starting May 17, 2021, there will be a 1% fee of the total cash-in amount. For example, if you cash in Php 1000, there will be a Php 10 fee, and the total amount of Php 990 would 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 limit, it will incur a 2% fee. This limit refreshes every first day of the month.
For example, this month: 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 is covered by the fee is: 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 will be: Php 2500 - Php 30 = Php 2470 Any other 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).
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 be receiving an SMS and a notification in the app informing you of the charge once you go past the limit.
Please take note that this is for only manual cash-ins — remittances, online cash-in 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.
Unlocking Limits by Linking your Bank Account
Unlocking Higher Cash-in Limits
You can unlock higher limits by linking your BPI/UnionBank or your Payoneer account/s. Once you do so, you will be able to unlock:
- A bigger wallet limit – Php 500,000 maximum
- Higher incoming limits – you will be able to receive up to Php 500,000 into your wallet and daily cash-ins have no limitations
- Higher outgoing limits – withdrawals will have no limitations per month, and you can withdraw up to Php 100,00 per day
You will be receiving an SMS informing you of the increased limits.
Take note that once you’ve unlinked all of your BPI/UnionBank/Payoneer accounts, the limits will revert back to what it was before.
Other Documented Limits
|BPI cash-in limit||Php 15,000 (for newly registered GCash users)|
Php 50,000 per day
|GCash Forest energy point limit duration||3 days|
|GCredit limits||Starts with Php 1,000, maximum of Php 10,000; depends on GScore|
|GSave limits (without upgrade)||Php 100,000 deposit limit|
12-month account expiry
|Instapay limit||Php 50,000 per transfer|
|Max number of GCash accounts per user||3 accounts (3 mobile numbers per user)|
|MPIN lockout limit||3 attempts then lock-out for 24 hours|
|Payoneer withdrawal limit||Php 100,000 every 30 days|
|Paypal minimum cash-in amount||Php 500 per transaction|
|UnionBank cash-in limit||Php 10,000 (for newly registered GCash users)|
Php 100,000 per month (for Fully Verified accounts)
Php 500,000 per month (for P3 accounts)