This post explores how to use your GCash Card to its fullest potential, and how to manage the card from within GCash.
The GCash Card is pretty versatile. It’s one of the analog parts of GCash since we can use it to make all of our digital money into something tangible, like real cash.
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How does the GCash Card work?
GCash Card is a debit card. Debit cards are different from credit cards in that when you use them you do not borrow money to pay. You draw the cash from the account the debit card is tied to — in this case, GCash.
The Mastercard scheme comes with a lot of rules (around 400 pages) but also offers a lot of advantages — interoperability with international ATMs and online shops as well. The Visa card scheme is even longer (around 900 pages) but more or less has overlapping rules with Mastercard.
Here is some trivia about the 16-digit numbers in credit/debit cards — the last digit is always meant to make the sum of the digits that, when divided by 10, gives no remainder. It makes the card number harder to fake since there is an algorithm built into it. Pretty cool.
How do I avail myself of a GCash Card?
You need to buy it, but there are two official ways to get it — via Delivery or Pickup.
Getting a GCash Card via the GCash app
- From the main page of the app, click on Profile, then click on My Linked Accounts. From the accounts page, click on GCash Card.
- Click on the “this page” link (right above the Add a Card button) to go to the order page.
- You can either order a card and have it delivered, or buy it in-store.
Buying via Delivery
This method has been improved, because you can order directly using the form, without needing to go through Pay Bills to pay for it. Delivery is expected to arrive within 10 business days.
Ordering GCash Card via Delivery
- From the GCash Cards page, click on “Order a card”.
- You will need to input your details, specifically your full name as well as your address.
- Confirm the payment amounting to Php 250 and once payment is done, you only need to wait a few days for the delivery.
I ordered mine recently through the app, and I got my card after 3 days. My experience was hassle-free. I was able to use it once enabled in the app.
You can buy cards from partner stores. Some convenience stores like 7-11, Ministop, All-Day, and Lawson also sell them. However, take note that most of the time these are sold out. I haven’t found a single card being sold anywhere. Currently, even the option is disabled in the app.
Buying via Online Sellers
I do not recommend buying from online sellers, for example on Facebook or on Lazada. They most likely have hoarded a lot of cards and hiked the price. Normally, a card costs Php 150. They may sell it higher to recoup their costs.
Also, some sellers may have tampered with the card or have taken note of the CVV as well. It is best to go with official sources.
Does the GCash Card still have a tie-up with BEEP?
No, the BEEP/Mastercard NFC cards are limited edition only and are not being sold anymore.
Why does my GCash Card have no name?
Previously, when ordering a Mastercard, it wasn’t personalized. However, now for Visa Cards, your name is printed on the card.
For online payments, what name should I put in since my GCash Card has no name?
You can use your GCash account name instead because once your card is linked, your account name is tied to the card.
How do I link my GCash Card to the GCash app?
Linking is different from setting the PIN. Basically, you are linking the card to your GCash account.
Linking your GCash Card via the GCash app
You need to link it within “My Linked Accounts” by clicking on “Add Card”. Next, on the GCash Card page click on “Link my card” and input the OTP sent to you.
Once on the Link GCash Card page, input the last 4 digits of the card and the Virtual Account Number from the back of the card. Click Next and confirm.
On the next page, you will need to input your 6-digit PIN and click Next to see the success page.
Linking GCash Card via *143# (using Globe/TM SIM only)
Linking GCash Cards via USSD is not supported anymore.
What do I do if I encounter “Authentication Failed” while linking my GCash Card?
If the GCash account is using a non-Globe mobile number, then there is no other way but to report it to customer support.
How many cards can I link to my account?
Currently, you can only link 3 cards.
However, I would not suggest linking more than one or having more than one active because you potentially put your account at much more risk of exposure to, the more cards you link. Any of the linked cards can be taken advantage of.
Can I link my already-linked card to another account?
No. Once you’ve linked it, you cannot link it to another account.
How do I set my GCash Card PIN?
You can now set a different 6-digit PIN from the actual GCash MPIN. This PIN will exclusively be used for ATM withdrawals and debit card transactions. Transactions now become more secure because it’s now a different PIN from your GCash one.
All GCash Cards now require a 6-digit PIN to use.
Setting your GCash Card PIN
- From the GCash Card page, click on your card whose PIN needs updating.
- From the card page, click on the “Reset Card PIN” button.
- You will need to input OTP, and then input the 6-digit PIN.
- You will be receiving an SMS once the setting is done.
How do I lock or unlock my GCash Card?
Another new feature is to lock/unlock your card, to prevent unauthorized usage. You can lock your card when you plan not to use it for a time.
Locking/Unlocking your GCash Card
- Go to the GCash Card Account page, go to your specific card, and click on the “Lock Card” button. After confirming, the card locks immediately.
- If you are unlocking the card, you will need to confirm by entering the OTP.
How do I deactivate my GCash Card?
The difference between unlinking/suspending and deactivating a card is you cannot use your GCash Card anymore as it’s not linked to your account. You can now do this from within the app.
From the GCash Card page, click on the “Deactivate” link on top of the specific card. Confirm and enter your Card PIN to finalize.
I received this message in the app that my card will be deactivated. What do I need to do?
This means your current card may be compromised. Don’t worry, you will get your Php 150 back and you can reorder another card for linking.
How do I use the GCash Card?
The main use of the GCash Card is for cashing out in any ATM locally, usually with a fee that depends on the bank. There is also a Php 20,000 ATM withdrawal limit for fully verified users.
You will need to use your nominated 6-digit PIN to withdraw, if you haven’t nominated a PIN yet, please do so to prevent locking out your card.
Since it is also under the Mastercard scheme, you can also use the card at any international ATM with a Php 150 fee. You will also get your cash automatically converted to the local currency, often with better forex rates than your typical money changer. This is especially useful for travelers abroad.
You can also use the GCash Card as a debit card, which means you can have it swiped when you pay at the cashier. You would also need to use your nominated 6-digit PIN to pay.
You do not need to open the GCash app for this, as long as you know that there is enough balance in your GCash wallet to pay.
For international purchases, the amount is converted to the local currency with competitive forex rates. This is one way of utilizing GCash abroad — remit to GCash, then buy using GCash Card.
The GCash Card can also be used in paying for anything online that supports debit/credit card payments. I’ve personally used it to pay for my Netflix subscription and other subscriptions as well. To be able to pay using the card, you will need to fund your GCash wallet before using it. You can also use your Virtual Account Number to pay for online purchases.
This is also a good alternative for the GCash AMEX Virtual Pay Card when merchants decline it.
For some merchants that support 3D Secure, there will be a corresponding OTP to be sent to you to confirm the payment. For others that don’t support it, take note that this may be a way for fraudsters to get your money, so it is best to check your merchant before transacting.
Also, it is good practice to cover or obscure the CVV with tape when you use your card outside to prevent skimmers from getting a complete copy of your card.
How do I put money into my GCash Card?
Your GCash Card works like a debit card, so its balance is also your GCash balance. To put money into your card, you would need to cash into GCash. For international users, you can also remit to your GCash number.
What will happen if the ATM denies my card due to the wrong PIN?
You will still be able to get your ATM card, however, you can now reset your PIN easily from within the GCash app. Check the how-to earlier in this post.
What if I did not receive the cash from the ATM?
Unfortunately, this happens from time to time. In these cases, you usually don’t need to call customer support as the funds will automatically be credited back to your account as soon as possible.
However, if you’ve not received back your funds after a day, it would be better to follow it up via GCash Support.
What’s the use of the Virtual Account Number?
This is used to link your card to your GCash account. You can use this number as an alias instead of providing your card number as printed.
My card has no Virtual Account Number. How can I link it?
You would need to get the Virtual Account Number from GCash Support before you can link it to your account.
Can I transfer my GCash Card to another account?
Yes, but you would first need to deactivate it from your account, before reactivating it from the other account.
Can I still use my expired GCash Card?
No, you would need to replace it with a new one.
Can I cash out without using my GCash Card?
Yes, there are many cash-out channels you can utilize to cash out.
How do I link my GCash Card to PayPal?
You can link your GCash Card into Paypal as a debit card. You need to have at least USD 1 (~PHP 50 ) in your GCash account because PayPal will be doing a test transaction. Don’t worry about it as they will credit it back immediately after linking.
Note: To prevent linking errors, your saved address should be complete — meaning you should set the region as well. Most of the time the region in the address isn’t specified and this causes linking errors.
You will need to log into your account, go to Balance > Add a card, and then input your card details.
How do I link my GCash Card to Netflix?
You just need to go to your account and add a card under “Update payment info”. Please remember that you need to have funds in your GCash account to proceed.
You just need to put in the complete details that are in your GCash account, for example, first names and last names should be the same.
As an alternative, you can now pay directly using GCash on Netflix.
Can I also link my GCash Card to other streaming sites like IFlix, HBO Go, Disney+, and others?
I noticed some unrecognized transactions in my transaction history. What do I do?
Please do not share your PIN and OTP with anyone. Scams are aplenty nowadays.
Why am I getting auto-debited without my permission?
You need to first check whether you’ve been subscribed to any recurring service. You can use the Transaction History to trace the origin of the transaction. You can also check what service it is, especially if it’s tied to Google Payments.
The GCash Card is a debit card mainly used for ATM withdrawal but can also be used for online e-commerce. GCash Cards can be bought online or over the counter. We also talked about how to buy, link/unlink, lock/unlock, and use cards.
I have a new e-commerce site where you can buy some e-books here: GCR Prime
After reading about what GCash is, here are the main GCash features: