The GCash Mastercard 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.
How does GCash Mastercard work?
GCash Mastercard 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.
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.
Getting GCash Mastercard 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 Mastercard.
- Click on the “this page” link (right above 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 is simpler since you only need to pay via Pay Bills, then process the delivery without going out of the GCash app.
Please take note that you need to do the ordering step. Otherwise, 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 GCash Mastercard via Delivery
- You need to first pay for the card. Go to Pay Bills, search for “GCash Mastercard”. The biller should be under the Payment Solution category.
- 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 back to the Get a GCash Mastercard page mentioned above and click on “Order a Card”, or
- Alternatively, you can go to the cash-out page within the app. On the cash-out page, click the delivery option.
- Accomplish the form on the page and click Submit. You will be receiving an SMS as confirmation.
You can buy cards from partner stores. Some convenience stores like 7-11, Ministop, All-Day, Lawson also sell them.
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 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?
Previously, when ordering a card, it used to be personalized. However now as it stands, there is no way to order a personalized Mastercard anymore as it takes a lot of time to personalize a card.
For online payments, what name should I put in since my Mastercard 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 Mastercard to the GCash app?
Linking is different from setting the PIN
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 set my Mastercard 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 Mastercards now require a 6 digit PIN to use.
Setting your GCash Mastercard PIN
- From the GCash Mastercard page, click on your card which PIN needs updating.
- From the 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 the setting is done.
How do I lock my GCash Mastercard?
Another new feature is to lock/suspend your card, to prevent unauthorized usage.
Locking or Suspending your GCash Mastercard
- 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 with “Unlock Card” instead.
Locking/Suspending via USSD
If the GCash account is using a non-Globe mobile number, then there is no other way but to suspend 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, 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 Mastercard 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 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 Mastercard 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 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 Mastercard 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 Mastercard 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 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 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 into GCash.
What will happen if the ATM denied 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.
Resetting GCash Mastercard PIN
- 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 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 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 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 Mastercard 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 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 Mastercard 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 login into your account, go to Balance > Add a card, then input your card details.
How do I link my GCash Mastercard 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 in Netflix.
Can I also link my GCash Mastercard to other streaming sites like IFlix, HBO Go, and others?
Absolutely. Here is an in-depth guide.
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.
The GCash Mastercard is a debit card mainly used for ATM withdrawal but can also be used for online e-commerce. GCash Mastercards 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 features: