GCash Limits Repository

This section lists all of the documented limits currently in GCash. For a list of GCash fees (and alternatives to these fees), please see this page instead.

Wallet and Transaction Limits

This also covers most of the limits of all cash-in channels, including over-the-counter, machine, online, Paypal, Payoneer, and remittances.

Additionally, the outgoing limit also applies to GInvest and GInsure, as you are putting money into investments and/or insurance.

DetailBasicFully VerifiedFully Verified with
Linked Accounts
Wallet SizePhp 50,000Php 100,000Php 500,000
Daily Incoming LimitPhp 10,000N/AN/A
Monthly Incoming LimitPhp 50,000Php 100,000Php 500,000
Daily Outgoing LimitPhp 5,000Php 100,000Php 100,000
Monthly Outgoing LimitPhp 100,000N/AN/A

The linked accounts here pertain to BPI, UnionBank, and Payoneer accounts, with GSave and GInvest placements.

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 and utilizing either GSave or GInvest with a Php 100 deposit or investment.

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

GCash Padala Send LimitsMinimum amount is Php 500, maximum is Php 5000
GCash Padala Nonclaim Limit15 days (after which it will return to sender)
GInvest LimitsNone for investing; applies outgoing limits (daily and monthly) for redeeming
BPI cash-in limitPhp 15,000 (for newly registered GCash users)
Php 50,000 per day
GCash Forest energy point limit duration3 days
GCredit limitsStarts 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 limitPhp 50,000 per transfer
Max number of GCash accounts per user3 accounts (3 mobile numbers per user)
MPIN lockout limit3 attempts then lock-out for 24 hours
Payoneer withdrawal limitPhp 100,000 every 30 days
Paypal minimum cash-in amountPhp 500 per transaction
UnionBank cash-in limitPhp 10,000 (for newly registered GCash users)
Php 100,000 per month (for Fully Verified accounts)
Php 500,000 per month (for P3 accounts)