The GCash Mastercard (MC) is pretty versatile. It’s probably the only analog part of GCash, the app since we can use it to make all of our digital money into something tangible, like real cash.
How does GCash Mastercard work?
GCash MC 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 in online shops as well.
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 of a GCash Mastercard?
You need to buy it, but there are two official ways to get it — via Delivery or Pickup.
- From the main page of the app, click on Profile, then click on My Linked Accounts. From the accounts page, click on GCash Mastercard.
- Click on the link to “this page” to go to the order page.
You can buy the cards from partner stores. Some convenience stores like 7-11, Ministop, All-Day, Lawson also sell them.
Buying via Delivery
This method is simpler since you only need to pay via Pay Bills, then process delivery without going out of the GCash app.
Here are the steps:
- You need to first pay for the card. Go to Pay Bills, search for “GCash Mastercard”.
- Pay for the card, plus the delivery fee, totaling Php 215 (Php 150 for the card, Php 65 for the delivery fee).
- Take note of the reference number in the receipt.
- Go to the main screen, and select Show More, then look for Cash Out.
- On the Cash Out page, click the delivery option.
- Accomplish the form on the page and click Submit. You will be receiving an SMS.
The biller needed is under the Payment Solution category.
Please take note that you need to do this step. If you did not do this, there will be no delivery since you’ve failed to let them know your address. Delivery is expected to arrive within 10 business days.
Buying via Online Sellers
I personally do not recommend buying from online sellers, for example on Facebook or in 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 GCash Mastercard 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 Mastercard have no name?
Before when ordering a card, it used to be personalized, but now as it stands, there is no way to order a personalized Mastercard.
In online payments, what name should I put in since my Mastercard has no name?
You can use your GCash account name instead as once your card is linked, your account name is tied to the card.
How do I set my Mastercard PIN?
As of a recent GCash update, you can now set a different 6 digit PIN from the actual GCash MPIN. This PIN will be used for ATM withdrawals and debit card transactions. Because it’s now a different PIN from your GCash one, it becomes more secure.
Here are the steps:
- From the GCash Mastercard page, click on your card which PIN needs updating.
- From the specific card page, click on the “Set Card PIN” button.
- You will need to input the 6 digit PIN, then confirm via OTP.
- You will be receiving an SMS once setting is done.
How do I link my Mastercard to the GCash app?
Linking via GCash app
You need to link it within “My Linked Accounts” by clicking on “Add Card”. Next, input the last 4 digits of the card and the Virtual Account Number from the back of the card. Click Next and confirm.
Linking via *143# (using Globe/TM SIM only)
You can only do this if you have a Globe/TM SIM card. You need dial *143# > Select GCash > GCash Card > Activate Card. Then you need to enter your MPIN and the 16 digit card number to activate.
What do I do if I encounter “Authentication Failed” while linking my GCash Mastercard?
If the GCash account is using a non-Globe mobile number, then there is no other way but to report it to customer support.
Otherwise, you can use *143# to link it.
How many cards can I link to my account?
If you use your GCash account, you can only link 3 cards. However, if you go through the USSD route, you can link as many cards as you want to your account.
However, I would not suggest linking more than one 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 into another account?
No. Once you’ve linked it, you cannot link it to another account.
How do I lock my GCash Mastercard?
Another new feature is to lock/suspend your card, to prevent unauthorized usage. To do so, here are the steps:
- Go to the Mastercard Account page, go to your specific card and click on the “Lock Card” button.
- You will need to confirm by entering the OTP. Once locked, you will be receiving an SMS and the card will be locked in the app.
To unlock, just do the same procedure, but for “Unlock Card” instead. This is the same as “reactivating” it.
Locking/Suspending via USSD
If the GCash account is using a non-Globe mobile number, then there is no other way but to suspending it through customer support.
However, if the GCash account is using a Globe mobile number, you can suspend it via the USSD route. Dial *143# from your Globe/TM SIM. Do take note that you need your card with you to be able to input the 16 digit card number.
To reactivate it, you can go back to the same menu above, but select reactivate card instead.
How do I deactivate my GCash Mastercard?
The difference between unlinking/suspending and deactivating a card is you cannot use your GCash MC anymore as it’s not linked to your account. You can now do this from within the app.
From the GCash Mastercard page, click on the “Deactivate” link on top of the specific card. Confirm and enter OTP to finalize.
I received this message in the app that my card will be deactivated. What do I need to do?
This just 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 Mastercard?
The main use of the GCash MC is for cashing out in any ATM locally, usually with a Php 18 fee, depending on the bank. There is also a Php 20,000 ATM withdrawal limit for fully verified users.
As of a recent update, 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 issues.
Since it is also under Mastercard, you can also use the card in any international ATM with a Php 150 fee. You will also get your cash automatically converted to the local currency, usually with better forex rates than your typical money changer. This is especially useful for travelers abroad.
You can also use the GCash MC 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.
The GCash MC can also be used in paying for anything online that supports debit/credit card payment. I’ve personally used it to pay for my Netflix subscription. To be able to pay, you will need to fund your GCash wallet before using it. As of a recent update, you can now 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 know your merchant before transacting.
Also, it is a good practice to cover or to obscure the CVV with tape when you use your card outside to prevent skimmers from getting a copy of your card.
How do I put money into my GCash Mastercard?
Your GCash Mastercard works like a debit card, so its balance is also your GCash balance. To put money into your card, you would need to cash-in to GCash.
What will happen if the ATM denied my card due to 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.
- Go to your GCash Mastercard page and you would notice that your card is blocked. Click on the Reset Card PIN Now button.
- You would need to input your OTP.
- After going to the Set Card PIN page, input your new 6 digit PIN.
- After clicking Next, your new PIN would be successfully set-up.
What do I do if I did not receive the cash from the ATM?
Unfortunately, that happens from time to time. Sometimes the ATM runs out of cash, or there is a system error that occurred either on the GCash or the third-party site. In these cases, you don’t need to call customer support as the funds will be 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 not via phone, but via chat on the GCash Support Page as they’re now available 24/7.
What’s the use of the Virtual Account Number?
You can use this number as an alias instead of providing your actual card number. This is useful for online transactions.
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. Either that or you can always buy a new card.
Can I transfer my GCash Mastercard to another account?
Yes, you would first need to deactivate it from your account, before reactivating it from the other account.
Can I still use my expired GCash Mastercard?
No, you would need to replace it with a new one.
Can I cash out without using my GCash Mastercard?
Yes, there are many cash-out channels you can utilize to cash out.
How do I link my GCash Mastercard to Paypal?
You can link your GCash MC to Paypal as a debit card. You need to have at least Php 55 pesos in your GCash account because Paypal will be doing a test transaction. Don’t worry though, it 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 login into your account, go to Balance > Add a card, then input your card details.
How do I link my GCash Mastercard in 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.
Can I also link my GCash Mastercard to other streaming sites like IFlix, HBO Go and others?
Absolutely. Here is a more in-depth guide.
I noticed some unrecognized transactions in my transaction history. What do I do?
Your card may have been compromised. You need to change your PIN immediately and contact GCash Support to unlink your card. You may also need to file Customer Protect because of fraud.
As a precaution, do not share your PIN and OTP with anyone. Scams are aplenty nowadays.
Why am I getting auto-debited without my permission?
Have you checked whether you’ve been subscribed to any recurring service? Maybe you’ve been scammed into buying an app with a subscription or you’ve forgotten to cancel during a trial period for a certain software.
The GCash MC is a debit card mainly used for ATM withdrawal but can also be used for online e-commerce. GCash MCs can be bought online or over the counter. We also talked about how to buy, link/unlink, lock/unlock, and use cards.
If you would like to read up on similar features, I would recommend the Cash in or Cash out primer.
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:
- Cash in or Cash out
- GCash Scams
- Send Money
- Bank Transfer
- Payment via QR
- GCash Mastercard
- AMEX Virtual Pay
- Pay Bills
- Request Money
- Buy Load
- GCash Forest
- Book Movies
- GCash via USSD (*143#)
- Receiving Remittances
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!