Mastering GCash Mastercard

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 that when you use it 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.

Buying via Pickup

You can buy the cards from Robinson’s Department Store. 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:

  1. You need to first pay for the card. Go to Pay Bills, search for “GCash Mastercard”.
  2. Pay for the card, plus the delivery fee, totaling Php 215 (Php 150 for the card, Php 65 for the delivery fee).
  3. Take note of the reference number in the receipt.
  4. Go to the main screen, and select Show More, then look for Cash Out.
  5. On the Cash Out page, click the delivery option.
  6. 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.

It also makes it a hassle once an ATM captures your card, because there is no way for the bank to know that that specific card is yours. You will need to order a new one.

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 link my Mastercard to the GCash app?

Linking via GCash app

You need to link it within “My Linked Accounts”, input your 16 digit card number (no spaces) and click Link Card.

Linking via *143# (Globe/TM SIM)

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 though the USSD route, you can link as many cards as you want in your account.

However, I would not suggest linking more than one because you potentially put your account into much more risk of exposure to, the more cards you link. Any of the linked cards can be taken advantage of.

How do I unlink my GCash Mastercard?

If the GCash account is using a non-Globe mobile number, then there is no other way but to unlink it through customer support.

However, if the GCash account is using a Globe mobile number, you can unlink 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 can I unlink my card if I lost it?

You can file a ticket at help.gcash.com. You can also use the other support channels of GCash.

Can I link my already linked card into another account?

No. Once you’ve linked it, you cannot transfer it to another account.

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?

ATM Withdrawal

The main use of the GCash MC is for cashing out in any ATM locally, usually with a Php 20 fee. There is also a Php 20,000 ATM withdrawal limit for fully verified users.

The PIN Code for withdrawing funds is the same as your MPIN code when you log into the GCash app.

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.

Over-the-Counter Payments

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 do not even need to open the GCash app for this, as long as there is enough balance in your GCash wallet.

Online Payments

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.

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.

There are also some merchants that support direct online payments to GCash (ex. Lazada, HOOQ, Shakeys, Google, etc. — here is a list of supported merchants). Those do not need your card to pay.

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.

What will happen if the ATM captured my card due to wrong PIN?

Please take note that if the GCash MC has no name, you cannot claim it from the bank that captured the ATM. You will need to deactivate the card (via the procedure I mentioned above).

You will also need to buy a new card again.

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 side. 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 in the GCash Support Page as they’re now available 24/7.

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 MPIN 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 MPIN 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.


Summary

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 link/unlink cards and some conditions surrounding its use.

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 with the main GCash functions:

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

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

78 thoughts on “Mastering GCash Mastercard”

  1. Hi! Question, what if i cannot recognize my previous sim that link to my gcash card? I have my new personal gcash account and trying to link my gcash card but saying it was alreasy link to other number. What will i do?

    Thanks in advance

    Reply
    • You should let GCash support know so that they can change the number linked to your account. You can file a ticket in help.gcash.com.

      Reply
  2. Hindi po ako marunong mg English gusto kulang po malaman kung kylan darating ung Gcash card ko bayad napo ako 3weeks na po hndi pa dumarating sna masagot nyupo tanong ko salamat

    Reply
    • Sa palagay ko dahil ecq kaya di rin nakapagpadala ng mga cards. Puwede niyo po ifollow up sa help.gcash.com tapos magfile kayo ng ticket. Kahit tagalog ok lang.

      Reply
    • Wait niyo lang po sir. Ako po April pa umorder and ngayon ko lang siya actually nareceive. Delayed po kasi delivery dahil sa quarantine

      Reply
  3. Hi. I used the *143# in activating ng gcash card. Tapos may txt message naman na nagsabing activated na. Pero pag check ko sa gcash app, hindi pa linked yung mastercard. What to do?

    Reply
    • Sinubukan mo rin ba sa app na i-activate? Baka nagkaaberya. Kung ayaw pa rin, file nalang tayo ng ticket sa help.gcash.com.

      Reply
  4. Hi, nagcrecreate ako ng account sa netflix/spotify kaso eto yung lumilitaw kung bakit ayaw magproceed, (The payment failed. Please try again, or use a different payment method. ) nakalink na po gcash master card ko and meron na din po akong express pay, natry ko na sila parehas pero ganyan pa din po. thanks!

    Reply
    • May laman ba ang wallet mo? Dapat may laman bago mo ilink kasi magttest transaction siya. Ibabalik naman niya yung pera pagkatapos.

      Reply
  5. Already link my gcash MasterCard through *143# and also received message stating that I already linked my card but when I checked my account through gcash app its still not link
    ..what to do ?
    Thanks in advance

    Reply
    • Di na po ginagawa yun ngayon. Kaya isa ring problema yan pag kinain ng ATM, di na mababalik sayo ng bangko ang MC mo kasi walang pangalan mo.

      Reply
  6. Pls answer me.. I already have Gcash account w/ Globe Sim and Linked Mastercard which my company provided for payroll. Now, i have requested another Gcash registered again to my Name and they sent me together with another Mastercard, is it legal if i link this new Mastercard to my New Gcash Sim/Account?
    By then, i will have 2 Gcash Account with 2 Mastercard under my name. One different Mastercard in every different Gcash Account/Sim under my name

    Reply
  7. Hello Tnt/smart sim ko..so via app lang po ako pwede mag linked ng mastercard? Nag order po kasi ako.. sana dumating siya on time 😊

    Reply
  8. Hi po goodnoon
    Natanggap ko na po ang gcash mastercard ko pero ng worried po ako kasi wala po yung name ko. Hindi po ba to scam if i knew all cards has a name.pls asap

    Reply
  9. Based on our records, we did not receive your card application. For us to proceed with your request, please make sure to fill up our online form here: https://www.gcash.com/mc-store/orders. No need to pay another P150.
    “Bakit ganito ang sent sa akin akala ko ok na hintay ako sa pag deliver sa akin,sino naka ranas nito?

    Reply
    • Yan din po maranassan ko. Wala po kasi sinabi na kailangan pa po pala mag fill-up. haha. hintay pala ako sa wala. Anyways, follow nyo nalang po yan like what I did, and I already received my mastercard 🙂 after nyo po magfill up, mapprocess na po yun. Dumating po yung sakin after 7 days.

      Reply
  10. May master card na po ako dati I think 2018 pa sya then dko na nagamit, need pa ba sya iactivate ulit ? Nittry ko kase mag link sa account ko sa gcash ayaw namn . .
    Is it okay na other network na number Ang ginamit ko sa app? Thanks much po.

    Reply
    • Pag nakalink na ang card mo kahit kailan nakalink na yan. Pag gumamit ka ng ibang network, ibang account na rin yun. Kailangan mong gumawa.

      Reply
  11. Hindi po ma i-link yung gcash master card ng bf ko don sa gcash niya.ano pong dapat na gawin? Maraming salamat po sa sagot..

    Reply
    • Subukan mo po gawin yung USSD na procedure na naexplain ko sa blog. Pero kung di pa rin, mas maganda sigurong ifile nalang ng ticket sa support.

      Reply
  12. Hello po. Balak ko sana mag-order ng Gcash MC. Account ko yung Gcash pero pwede bang iba ang gagamit? Ibigay ko kasi sana sa mother ko yung Gcash MC para magamit kapag namimili sa Puregold.

    May mga need ba sya dalhin or ipakita para i-accept yung card as payment? Thanks po. 🙂

    Reply
    • Puwede naman, basta pagkatanggap ilink lang dun sa gagamit na account. Di naman ibig sabihin pag binili mo nakalink agad sa account mo.

      Pag ginamit siya, wala namang hinihinging proof of identity kasi sa card walang nakalagay na name.

      Reply
  13. Hi, meron po kasi akong GCash Mastercard, then gagamitin ko po sana para sa online course na gusto kong itake, ang kaso, dahil wala pong name sa GCash Mastercard ko, di ko po alam kung anong name ang gagamitin ko. so narereject siya sa end ko. Ano po kayang magandang gawin?

    Reply
  14. Ask ko lang po. If lalagyan ko ng php100 ang gcash wallet ko, magkakaroon dn ba ng same amount ang mastercard ko? Thankyou

    Reply
  15. hnd ko po malink yong bagong MasterCard ko . itry to offline *143# already link na daw. pag link ko nmn sa apps nag error sya. cannot process ang sabi. pki sagot po ako . tska paturo nlng din po. thank you

    Reply
  16. Hello
    My husband cannot linked his gcash MasterCard on his gcash app or in his gcash wallet, is always prompted its been linked already but how come its impossible because i was the the one purchase it on his gcash wallet app fill up the application submit it payment done received reference number then a day before we received the mail then about to link to the wallet it says its been linked already. What to do about this matter? I already submit ticket also to gcash help. But takes awhile though. Help

    Reply
    • Kung nakalink na ang card, kaya ba niya magwithdraw sa ATM bilang patunay? Para matest rin kung sa account talaga ng asawa mo nakalink ang card na yun.

      Reply
        • I think di talaga siya na-uunlink pag ginawa sa USSD (“suspend” ang nakalagay na option). Mas magandang magfile ng ticket sa support.

  17. Hi, whenever I tried to link my newly delivered card to my gcash account it always says “cant process linking at the moment” been trying for days but still. I’m non globe user, tried calling gcash but nah. What should I do? Thank youu.

    Reply
    • If you don’t like calling, why not try live chat (via help.gcash.com during business hours) or submitting a ticket (via the same site)? It would free up your time on the phone which I agree is quite boring.

      Reply
  18. Once na linked na po ba yung GCash Acct sa Gcash MC understood po ba na kung ano ang laman ng GCash Acct yun na din po laman ng MC mo?

    Reply
  19. hi, ask ko lang po, pwede ko ba gamitin tong gcash mc ko sa new account ko, yung previous po kase na ccount ay nawala na, nawala po kase sim card, so pwede po yon? or need na bumili ng bagong mc?

    Reply
  20. Hi, pwede po ba maglink ng 2 gcash mastercard sa isang gcash account ? Balak po sana namin ng partner ko na tig isa kami ng card pero isang account lang gamit namin.

    Reply
  21. Indi b pde mgcash in ng pera s gcash mastercard using atm or kelangan ko p rin mgpunta s mga accredited store pra mlagyan ng laman un gcash mastercard ko? Cash out lng b tlga mggwa sa gcash mastercard or pde dn cash in using atm?

    Reply
  22. Nareceive ko po yung gcash mastercard ko last year. Dahil sa sobrang busy ko, this month ko lang sya nai-link sa mobile number ko. Kaya lang nag-e-error sya kahit tinry ko din thru *143#. Nag-expired po bq ito. Salamat po.

    Reply
  23. Just an update, this has not been stated anywhere but you CANNOT use GCASH MasterCard for online transactions. They should call it GCash ATM, not MasterCard.

    Reply
    • Some of my online purchases have been through GCash Mastercard. I don’t know why it doesn’t work with yours. Maybe file a ticket?

      Reply
  24. Hi, pwede po ba magkaroon ng dalawang gcash mastercard gamit iisang gcash number/wallet? If yes, paano po mag lalagyan yung dalawang cards? Pano mag split yung money doon? Gagamitin ko po kasi yung isa for money collections sa work tapos yung isa for personal use. Thanks.

    Reply
  25. Hello paano po mag unlinked ng gcash mastercard sa old number ko po which is Smart po ang gamit ko sa old Gcash ko, then i have new Number Globe then i create Gcash account and want ko na dun na i link ang gcash mastercard ko .

    Reply

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