How to Use GCash with SSS Benefits, Loans, and Contributions

One of the ways GCash makes life easier is by integrating with government services such as PAG-IBIG and SSS. You can get disbursements using your GCash account, and you can pay your loans and contributions using the Pay Bills feature.

My wife was able to get her maternity benefit in a week by applying for a disbursement account and by filing the benefit from within the SSS portal — all without going to any SSS branch. It’s pretty convenient.

A prerequisite of all of this is you should have an online account with SSS. Registering is easy, you just need to have either your SSS number or CRN number (from your UMID) on hand.

How do I set my SSS Disbursement Account to my GCash account?

For the Disbursement Account Enrollment Module, you are basically setting up the account that will be receiving all disbursements from SSS. This can be any benefit or any loan proceeds you’ve applied for.

You can actually set it to any bank with PESONet. But if you don’t have those, you can still use your GCash account. You can set multiple disbursement accounts if needed.

Here are the steps:

  1. Log into your SSS account.
  2. Under E-SERVICES, select “Disbursement Account Enrollment Module”.
  3. Under PESONet Participant Name, select E-Wallet and choose GCash from the dropdown menu.
  4. Enter your GCash number and confirm your GCash number.
  5. Attach a screenshot of your GCash profile page that includes your name and number.
  6. Click on the checkbox before clicking on the “Enroll Disbursement Account”.
  7. Wait for a few days and you will be able to see it reflected in the page. You will also be receiving an email once the account has been activated.

Once enrolled, you will also see this account when you apply for benefits or loans from SSS. Take note that in getting the loan you may hit your transaction and balance limits in GCash. You can increase your limits by doing this:

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.

How do I pay my contributions as a voluntary or OFW member in SSS?

Employed members are spared from doing this as their employers can do this for them. But for voluntary or OFW members, you would need to generate a Payment Reference Number (PRN) first before you can pay using GCash.

How do I generate a PRN for contributions from the SSS portal?

Here are the steps:

  1. From the main page of the portal, select ” PAYMENT REFERENCE NUMBER (PRN) CONTRIBUTIONS”.
  2. Click on Generate PRN.
  3. Enter your Membership Type, Applicable Period and Contribution. The Total Amount will be automatically generated. Once submitted, take note of the PRN.
  4. In the GCash app, under Pay Bills, look for “SSS-Contributions” and enter the details from the PRN that you applied for in the SSS portal. Once paid, it takes a few minutes to reflect in the SSS portal.

How do I pay for my Real-Time Processing of Loans (RTPL) in SSS?

For loan payments, your PRNs should be sent to your email within the first 7 days of the month. You can also check out your PRNs from within the SSS portal.

From the email or from the SSS portal, you can get the PRN details, and then you can input this into the GCash biller. Once paid, it takes a few minutes to reflect in the SSS portal.

Other Questions

Can you reuse a PRN in paying a contribution or a loan?

No, a PRN is a one-time-use number. If you want to add to your contribution or loan payment, you can generate a new one from the SSS portal.

Does the PRN have an expiry date?

Yes, the PRN expires 5 days after generation. You can generate a new one from the SSS portal.

Can I overpay or underpay using my PRN?

No, you can only pay the amount issued with the PRN.

What if I want to pay the full amount of my loan?

You can generate a new PRN with the full amount from within the SSS portal. You can then pay using this PRN.

Can I get a salary loan when I’m unemployed?

Yes, as long as you have the requisite number of contributions — you need 36 monthly contributions for a single-month salary loan and 72 monthly contributions for a 2-month salary loan.

The loan amount is the average of the last 12 monthly contributions for a single-month loan, while for 2-month loans, it is twice the average of the last 12 monthly contributions.

I need a bank as a disbursement account. What options do I have?

If you need an actual bank account, you can always open one without going to any branch for certain banks like UnionBank, ING, or Tonik.

Summary

You can set up your GCash as your disbursement account in the SSS portal. This makes it easy for people who don’t have time to open a bank account. Additionally, you can also pay your contribution and loan PRNs via GCash Pay Bills.

If you’d like to learn more about GCash, I created a how-to on the basics of GCash.

Here is a list of links if you’re interested in the main GCash functions:

If you are also interested in knowing what resources I used to make this blog happen, please look at my resources page.

How do you like the tutorial? Did I miss anything? Please add your comments and suggestions below!

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