Updated Mar 29, 2022
What is GCash?
GCash is a digital wallet that holds your money, plain and simple. Each amount in the wallet has an equivalent amount of peso in real life. You put your money into it, and the cash being digital makes it easy to do transactions with it, empowering the user to leverage it to do work without as much effort.
Introduction to Digital Wallets
Before we go through our guide, let’s talk first about digital wallets. What are digital wallets?
Think about your real-life wallet. You most likely have your cash there. You would also have your debit or credit cards.
Now think of your smartphone. With all of the wonders of apps in recent years, we have started to see the multitude of uses a smartphone can do. We don’t even leave the house without it. So why not combine the two together? Eventually, someone did, and the digital wallet is born.
Power of Digital Wallets
We have seen in recent years how financial technology evolved as a natural application of the power of the Internet. Currently, with the gradual improvement of our network connectivity, we can leverage the power of our always-on data connection to power our financial transactions via the Internet.
A case in point is China. It has embraced the digital wallet to the fullest, that most of the transactions are via the app, and cash is becoming increasingly rare. The effect is dramatic because so many applications can only come from innovation via technology. One can be online e-commerce, another can be QR-based transactions.
For example, in a lot of restaurants in China, you can just sit down at a table and scan the QR code on it. Your app will open that restaurant’s web page and will lead you to its online menu. You can order what you want and also pay right there on the spot. The waiter will just serve you your order at your table, without you even standing up. How cool is that?
Another is the universality of their platform. You can go to the grocery, take a taxi, or rent a bike using an app. You can get loans, buy train tickets, buy street food, donate to street performers, and if your phone battery gets low, you can even rent power banks via an app.
Now here in the Philippines, we currently have those types of applications used by a handful of digital wallets too, even though they are at an early stage. GCash leads this pack and right now it’s at the top in terms of market penetration.
What can I do with GCash?
Here are some things you can do with GCash:
- pay your bills
- buy load
- buy things in real life and in the Internet
- get deals via vouchers
- send money to other GCash users in a variety of ways
- plant a tree
- receive remittances
- invest your money
- open a savings account and save money
- buy gaming-related currency
- ask for money from other GCash users
- transfer money to the bank
- buy movie tickets in the app
- support NGOs
- pay your tuition
- get a line of credit
- split your payments with other GCash users
- pay your taxes and dues to the government
- buy an insurance product
- be a gateway app to other merchants
- get a cash loan
- pay in installments
- open your own cash-in, padala, buy load, pay bills business
And the feature list keeps on increasing as time goes by.
What can I expect from this guide?
For this primer, I’m going to describe how to install, verify your GCash account and explain the most used features in your GCash app, which include:
- Buy Load
- Pay Bills
- Send Money
- Payments via QR Code
How do I install GCash?
Generally, the iTunes App Store releases the updated versions sooner than Google Play Store.
After installing, you just need to register. GCash will ask for some basic information, ask for your 4 digit MPIN, and verify with OTP (one-time-password) via SMS. After this, you can now log into the app.
Do I need to be a Globe subscriber to register?
No, GCash has been open to all networks since 2018. You can use any mobile number to register.
Do I need to be online to use GCash?
Yes. but if your SIM card is Globe or TM, you would not need to have any data plan active to be able to use GCash as the majority of the features (Cash-in, Cash out, Send Money, QR Payments, Pay Bills, Buy Load) are zero-rated. Even if you have no load, GCash can be still be used, similar to Facebook in free mode.
The features that use data in the app are the other services besides what I mentioned above. So for those, it is better to do it when you have Internet connectivity.
However, if you are using a different SIM card, i.e., Smart, TNT, or others, this zero-rating does not apply.
Can I also register via USSD (*143#)?
Yes, you need to have a Globe SIM to be able to do this. You need to dial *143# on your phone to be able to select the USSD options.
After this, you will need to press the selection for GCash (depends on whether there was an update with the menu) and then 1 (Register) for registering a new account, then follow the instructions. You would need to input your MPIN, full name, birth year, and address. Afterward, you will then be receiving an SMS that registration is successful.
Can GCash be used overseas?
Yes, since GCash uses the Internet to do its transactions. But if you have a PH number, you can activate your roaming function and transact even when abroad. Also, make sure you have your address verified by going through full verification.
As for cash-in options in your country, there are lots of partnerships with different remittance providers where you can directly cash into the app.
Does GCash have a maintaining balance?
No. However, GCash has a dormancy fee of Php 50. This amount will be taken from your GCash balance. This only happens if you don’t use your account for six months. Do not worry though, GCash will be reminding you of this a few days before via SMS.
If you do not have an existing balance when the trigger happens, then your GCash account will be automatically closed. You will need to create a new one.
What is my GCash account number?
This is the mobile number used when you created your account. This is the same as your GCash number.
Can I create multiple GCash accounts?
Yes, you can have up to 5 fully verified accounts. But you also need to have 5 different mobile numbers for each of those accounts. If you exceed 5, you will be asked which accounts you plan to use as the others will be disabled. However even if you have multiple accounts, they are still covered by the same transaction limits.
What are some misconceptions about GCash?
I’ve written an in-depth post about that here.
Is GCash secure?
The short answer is yes. But there is no such thing as foolproof security. Usually, the smallest mistake often revolves around online scams and phishing sites and this can compromise any security system.
In the case of GCash, the keys to an individual account are the MPIN. GCash has also implemented a fingerprint validation method. You just need to turn it on from the settings screen.
However, let us not share our MPIN with anyone as this 4 digit number is the key to your kingdom. Once someone gets your MPIN and the OTP, he can have control of your account. This bears saying that we should not share our MPINs with anyone, especially in any phishing attempts in FB Messenger and in text blasts, or in email scams.
Remember that GCash employees do not ask for your MPIN. More often than not it is the scammers that impersonate GCash employees.
GCash employs two-factor authentication
GCash has implemented OTP (one-time-password) validation for most transactions that are connected to cashing in or out. You will need to validate via SMS or email any OTP validation. This serves as a type of two-factor authentication — meaning you need to do two things to prove that you are the owner of the account.
Usually, the weakest link in the chain is usually the person himself. Oftentimes we set the MPIN to 1111 or to our birthday. We get swindled by scams that ask us for our MPINs and OTPs. Or we share our scan to pay vouchers or GCredit with strangers.
Again the best defense is vigilance. The best practice is to set a proper MPIN and not to share our account information with anyone, not even GCash support.
Why didn’t I receive an OTP when I entered my number during log-in?
When no OTP arrives during log-in, first check if the entered number is correct. Otherwise, it may be because there is congestion in the network or there is little network reception — better wait for a few minutes or find a better spot with a signal.
Government Regulation and the AMLA
We have a lot of government regulation (through the BSP) regarding digital money as it is easy to move and manipulate. Wallets are required to have an identity associated with them.
The BSP mandates that digital wallets should undergo KYC (Know-Your-Customer) and KYM (Know-Your-Merchant), meaning that there should be user or merchant information included with wallet creation. This is mainly to counteract criminal acts and enforce the AMLA (Anti Money Laundering Act).
Everyone starts as a Basic User
Since so many hinges on having KYC information, GCash has mandated verification, and enforced feature locking depending on the amount of information each user shares. As we see from the screenshot below, we all start out as Basic users.
Then as we go into Fully Verified, we unlock all features and higher account limits. Take note that transaction limits are reset monthly.
If you want a higher overall limit, you can link either a BPI, UnionBank, and/or Payoneer account to your GCash account, and put Php 100 into your GSave or GInvest account. If you receive your compensations/salaries via GCash, your limit will also be higher.
Expanded Feature List per Level of Verification
This is the full list of features supported per verification level.
|Offline Cash-in||All Basic Features|
|Pay Bills||Send Money|
|Buy Load||Request Money|
|AMEX Virtual Pay||Cash Out|
|Pay QR||Linking a GCash Mastercard|
|Purchase GCash Mastercard||GSave|
|Online Payments||Transact using GCash Mastercard|
|Book Movies||ATM Withdrawals|
|GCash Forest||Send to Bank (Instapay)|
|GlobeOne Linking||Online Bank Cash-in|
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. As an alternative, you can also subscribe to GCash Pro 99 every month.
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 get verified?
As you can see in the above images, there are only two levels of verification – Basic User and Fully Verified.
It used to be tedious to have yourself verified as the process was very manual. But not anymore. Everything is automatic. You first need to click “Verify Now” from the left side menu.
Since a recent update, you just need to take a selfie in the app itself, take a picture of a valid ID, and input some more information (the app auto-populates some of the fields from the ID you took a photo of, so it takes a lot of the hassle off). You only need 1 valid ID.
The process is automated and you will get validation after at least 30 minutes to at most a day.
What are the valid IDs accepted for verification?
Here are the listed valid IDs:
For the GCash verification, you would need a valid ID from this list:
- Driver’s License
- PhilHealth ID
- Voters ID
- Pag-IBIG ID
- Postal ID
- PRC ID
- National ID
- Alien Certificate of Registration (ACR I-Card)
If you don’t have an ID from this list, you need to file a Help Support ticket to help in your verification.
What if I don’t have an accepted ID?
You’ll need to undergo manual verification via a support ticket. You can either call 2882 or file a ticket on the help support site, or in the Help Center in your app. You can now track your tickets from within the GCash app. You can also go to any Villarica branch to fill out the verification form.
What do I do if my SIM Card got lost?
You should report your account first to GCash to lock it down and secure it. Then you need to replace the SIM card with the provider. Once you have your replacement SIM card, you can then contact support and unlock your account.
If your SIM card cannot be replaced, then it would be better to buy a new one instead. You would need to create a new GCash account with that number and verify yourself. You can then contact support and transfer your balance to your new account.
Cashing in: How do I put money into my account?
Now that we have installed and verified our GCash account, let’s now dive into our cash-in options to put money into our account. There are three main ways: Over-the-counter, Online Banking, and Remittance.
1. Cashing-in Over-the-Counter
1.1 Are there cash-in fees?
For 7-11 cash-ins, there is a 1% fee of the total cash-in amount. For example, if you cash in Php 1000, the fee will be Php 10, and the total amount of Php 990 would be credited or added to your balance. This fee always comes first as it is a 7-11 collected fee.
GCash cash-in for partner outlets is free for the first Php 8000 per month. When the amount goes over the Php 8000 limit, it will incur a 2% fee. This limit refreshes every first day of the month.
For example: Today, you cashed in Php 7000. There is no fee since it is still below the Php 8000 limit. The next day, you cashed in Php 2500. Since you went over the limit, there is a fee included with the cash-in but only for the amount over the limit. The cash-in that has the fee applied is the amount over 8000 this month: Php 8000 - Php 7000 = Php 1000 Then we subtract from the amount you are cashing in: Php 2500 - Php 1000 = Php 1500 The fee is 2% of the amount. Php 1500 * 0.02 = Php 30 So the total cash-in with the fee would be: Php 2500 - Php 30 = Php 2470 Any later cash-ins for this month will have a 2% fee after this.
If you are cashing in 7-11, and you’ve exceeded the Php 8000 limit, the 1% fee goes first (7-11 fee), then the 2% goes after (GCash fee).
For example, if you are cashing in Php 1000 in 7-11 after exceeding the Php 8000 limit, the cash-in fee for 7-11 applies first: Php 1000 - Php 10 (1% of Php 1000) = Php 990 Afterwards, the 2% fee from GCash applies: Php 990 - Php 19.80 (2% of Php 990) = Php 970.20 The net cash-in amount is Php 970.20.
Once you are near the limit, you will be receiving an SMS and a notification in the app informing you of the charge once you go past the limit.
Please take note that this is only for manual cash-ins — remittances, online cash-in, and bank cash-ins are not included.
If you want to know how to circumvent this fee, you can refer to my fees page to see alternative solutions.
1.2 How do I Cash-in Via Machine?
If you need a quick infusion of cash, the fastest way is using machine cash-in (from TouchPay, and Pay and Go/eTap machines), if there is one nearby. Sometimes, you may see cash-in machines in different convenience stores, gas stations, or malls. These are easy to use, you just need to insert your cash, enter your GCash number and you will be able to receive the amount in your GCash wallet.
1.3 How do I Cash-in Via Payment Center?
You can also go through the manual/over-the-counter route, meaning cashing in a payment center. You will need to go to one of the listed stores in your app, fill out a form, and show a valid ID before they can process the cash-in request.
1.4 How do I Cash-in Via 7-11?
You can also cash in via 7-11 via the Cliqq kiosk. You need to enter the amount to be cashed in, get the printed slip, and pay at the counter. You can also use the Cliqq app to generate a code for cash-in to be paid for.
1.5 How Do I Cash-in via Generic Barcode?
The second easiest cash-in option is via the use of a Generic Barcode. Previously, this was a manual process as you needed to go and accomplish some forms.
Now, you can cash in from the cashier and it’s really quick – just enter the amount, generate the barcode, and have it scanned at the cashier with the payment.
Here are some partners that use Generate Barcode for cashing in — check your app for an updated listing:
- SM Hypermarket
- SM Supermarket
- Tambunting Pawnshop
- Bayad Center
- True Money
- LBC Express
2. Cash-in via Online Banking
If you’re like me and lazy not to get off my seat to line up and cash in using the above-mentioned options, I can opt to go with the online banking route instead like BPI and UnionBank. This option is for those with banking accounts who have their online banking accounts enabled.
2.1 How do I Cash-in via other banks?
For online banking, each bank in the list also has an equivalent bank app. We can also opt for using these bank apps to transfer to GCash via external bank account transfer (Instapay), using GCash as the receiving bank. Take note though, that typically doing so includes fees depending on the bank app you are using.
Here are the transaction fees for the different banks if you initiate an Instapay transfer to GCash (G-XChange) using their individual apps:
Here are the InstaPay fees for most banks:
- AUB: Free
- BDO: Php 25
- BPI: Php 25
- Chinabank: Free
- Coins.ph (DCPay): Php 10
- Landbank: Free
- Maybank: Php 40
- Metrobank: Free
- Paymaya: Php 10
- PBCom: Php 20
- PNB: 50
- PSBank: Free
- RCBC: Php 25
- Union Bank: Free
You can also refer to the BSP Instapay fees list if your preferred bank is not here.
3. Cash-in via Remittance
If you are abroad, you can remit with GCash partners and cash in directly to your GCash account. Paired with a PH SIM with roaming, you can transact as long as you have roaming data.
Here are the various GCash remittance partners all over the world:
- AlipayHK – provides a way for Hongkong based Filipinos (usually domestic helpers) to remit to GCash quickly; uses blockchain technology
- Azimo – for UK remittances
- bWallet – for Bahrain remittances
- Cross – for South Korean remittances
- Denarii Cash – for UAE remittances
- EMQ Send – for Taiwanese remittances
- EEC Remit – for Taiwanese remittances
- GMoneyTrans – for Korean remittances
- Instant Cash – for UAE remittances
- Pacific Ace – Macau, Hongkong remittances
- PayIt – for UAE remittances
- Rocket Remit – for Australia, New Zealand remittances
- SABB – for Saudi Arabia remittances
- SBI Remit – for Japanese remittances
- Siammali Remittance – for Brunei remittances
- Singtel Dash – for Singaporean remittances
- Softbank – for Japanese remittances
- Telcoin – for Canadian remittances
- Transfer Galaxy – for African remittances
- Wall Street – for UAE remittances
- Warba Bank – for Kuwaiti remittances
- Western Union
As for Western Union and Moneygram remittances, you wouldn’t need to go out and line up in the outlets to cash in. You only need the reference number and the cash goes straight to your wallet.
Cashing Out: How do I get my money out?
Cashing out has two main options – one is via the GCash Mastercard, and another is via Partner Outlet, over-the-counter. But you can also use the Bank Transfers feature in the app to move money out of your GCash wallet.
1. Cashing out via GCash Mastercard
The GCash Mastercard is actually a debit card and it can be used for withdrawal in all ATMs nationwide (and also internationally) because it uses the Mastercard scheme. There is a fee of 10-18 pesos locally per withdrawal. For international ATMs, there is a fee of 150 pesos.
What I like about using it internationally is you can get the local currency immediately (at a competitive forex rate), as it converts the pesos you have in your GCash account to that currency.
You can also use the card for debit card purchases, in stores and online shops as well.
1.1 How do I get a GCash Mastercard?
The easiest way to get one is by ordering it in-app. The card costs PHP 210 (PHP 150 for the card, PHP 60 for the delivery fee) and you need to buy it via Pay Bills > Payment Solution > GCash Mastercard. You may also get these via convenience stores or via Robinson’s Business Center when available.
Once you’ve paid the amount, you then need to take note of the reference number. You will need to enter your delivery address and other details under the ATM Withdrawal section. The expected delivery time is around 10 working days. For more details, you can check out my GCash Mastercard how-to post.
2. Cashing out via Partner Outlet
When cashing out using this option, you will need to go to the supported cash-out outlets below, fill out a form and show a valid ID. There may be some fees when cashing out with some partners. Once they have processed the cash-out, you will be receiving an SMS that asks for your MPIN as confirmation. Once done, you will be able to claim your cash.
The downside is the process is very much manual. Another possible issue is if the outlet has unexpected issues with GCash and they cannot process your request.
3. Cashing out via Bank Transfers
This option is not officially cash-out since we are technically sending money, but I can consider this as cash-out since we can still move cash via this method. You can then withdraw using your bank ATM.
GCash has implemented Instapay transfers, which makes it easy to transfer to any bank under Bancnet. You can transfer the amount to your bank, and withdraw it via the bank’s ATM. There is a Php 15 fee for using this service.
This is really convenient because you would not need to go to different banks to withdraw and deposit. You can also cash in using your debit card, then transfer to another bank without fees all within the app. You can even transfer to your Paymaya, Coins.ph, or GrabPay account if you need to.
How do I buy load?
Buy Load is one of the first use cases of GCash and shows its roots as part of Globe Telecom. What’s different from other load providers is that you can not only buy a load or a data package for your SIM, but also some other prepaid subscriptions not related to your phone – like game credits, broadband wifi, Cignal, and Sky TV subscriptions, and even health insurance (Maxicare).
How do I pay bills?
I’m actually grateful for this feature since I don’t need to go to any bank or payment center to pay for any bill I have. I can just do it all in the app. The list of billers is quite long and extensively covers all utilities. It handily beats any banking or digital wallet app with the number of billers it supports.
Additionally, you can see government billers like NBI and SSS, schools, and airlines (PAL, CebuPac, AirAsia) on their list. Not to mention there’s also a section called GCash for Good that includes NGOs and other donation-centric billers.
Personally, I pay my electric, water bills, phone bills, ISP, landline, credit card, and rent through the app. A minor annoyance is some of the billers might have convenience fees included, but if I think about it, the convenience is worth every peso, since you don’t need to get out of the house anyway.
Some billers also support payment via GCredit, which helps especially when funds are low.
How do I send money to another user?
One of the fundamental features of GCash is sending money since we all need to pay people and share what we have as well. Fortunately, for GCash, we have four different options – Express Send, Send with a Clip, Send Ang Pao, Send via QR, Padala, and Bank Transfers.
A reminder though, before sending money we should be sure about the recipient’s subscribed number since we can mistakenly send it to another person by mistake. If you made that kind of mistake, GCash Support can only help you if:
- the receiver is not a GCash user
- one digit of the subscriber number is wrong and the receiver has not used or withdrawn the money
GCash Support will also ask for a lot of details regarding the transaction, so best be careful. For Bank Transfers, it’s even more difficult to dispute as it is considered a deposit. Remember that an ounce of prevention is worth a pound of cure.
1. Express Send
This is the bread and butter of GCash. You can send an amount to another GCash user, with the optional message. This message will be included in the SMS notification of the recipient.
2. Send with a Clip
Send with a Clip (formerly SnapMoney) is a fancier version of send money, as we can include themes, photos, 10-second videos, or a 60-second recording with our amount. This is mainly used for special occasions or if we just want to create a different experience with our cash gifts.
3. Send Gift / Ang Pao / Pamasko
The red packet or Ang Pao is said to be the Chinese cash gift for special occasions – a token of luck, life, and happiness. During Christmastime, this transforms to Pamasko. Nevertheless, the main practical feature we have for this is the option for multiple recipients of Send Money.
If you need to give multiple people the same amount of money, then this is useful. Sometimes you may also want to randomize the cash amount of your cash gifts between multiple people.
You can also generate a personalized QR Code and share it. The advantage of this is you don’t need to dictate or send your GCash number to others. You can also set an amount for the QR code. This is incredibly useful for merchant sellers as they don’t need to request their own QR code anymore.
Bank Transfers earn another mention here since you can also deposit to all Bancnet partner bank accounts (even GrabPay, Paymaya, and Coins.ph). GCash will be charging Php 15 per transfer.
However, if you are a new GCash user, you can only transfer up to Php 20,000 per day, but as you use Bank Transfer the limit goes up gradually until a limit of Php 50,000 per day is reached.
Request Money allows the recipient to take initiative and ask the sender for the amount instead. This makes it easier for the sender as they only need to confirm the transaction. This is also useful for those that need money regularly, like allowances.
The sender would just need to confirm the transaction and the amount is debited from his balance.
7. Send via KKB
KKB or Split Bill allows the recipient to ask for money from a number of people. As the name implies, this is typically used for splitting checks. However, this can also be applied to any purchase that needs splitting. Basically, this is just Request Money but for multiple senders. Take note though that a lot of scammers use this method to get money from unsuspecting users.
8. GCash Padala
You can send money to non GCash users. This works with GCash partner outlets as a “padala” type of remittance. You need to input the number of the recipient, and the recipient needs to show the SMS and his ID to the GCash partner outlet to be able to claim his money.
How do I pay merchants via QR Code?
A digital wallet won’t have much use if you can’t pay with the cash you have. Payments are the most recognizable since every GCash merchant usually also has a QR code. GCash utilizes these payment codes in two ways – from the point of view of the user, and from the merchant. We can also pay via GCredit, if the feature is available, and also add vouchers if they are available.
1. Scan to pay via Merchant Presented QR Code (Scan QR Code)
Scan QR Code is the most common payment method available to merchants. The procedure is simple – the GCash user scans the QR code standee. He then enters the amount and confirms payment. As proof of payment, both the GCash user and the merchant receives an SMS.
The downside of this is the slow pace because the user still needs to input the amount, which adds time and is prone to error. Also, the merchant needs to wait for the SMS notification to arrive to be able to confirm the payment. There are times when the SMS doesn’t come in time, which definitely adds to the time in queue.
There is also a new type of Scan QR Code, which is the dynamically generated QR code. An example merchant is SM Department Stores / Supermarkets. The merchant has a screen that shows the QR code, and the GCash user simply scans that and confirms payment in the app to proceed.
2. Scan to pay via Customer Presented QR Code (Generate Code)
In contrast to Scan QR Code, Generate Code is definitely a speed upgrade. The GCash user first generates a QR Code and then the cashier scans it. The GCash user is deducted and receives an SMS. Since the merchant is integrated with GCash, there is no need to wait for SMS notifications to confirm payment.
Because of this, the merchant receives a response almost instantly – letting him know if the transaction was a success or not. This is faster since the amount is already inputted by the cashier itself and there is no manual step for the GCash user to do. In addition, any applicable voucher is automatically included in the purchase.
The downside is the GCash user should know how much his wallet contains before initiating the payment. Sometimes the amount to pay can exceed his wallet and he would get the “balance not enough” error.
There are definitely other useful features in the GCash app, like:
- GScore – a credit scoring system based on GCash usage behavior
- GCredit – credit that a GCash user can use based on his GScore
- GCash Forest – a rewards system that enables you to collect points that allow you to plant an actual tree
- Book Movies – connects you with GMovies within the app and allows you to reserve movie seats
- GSave – a tie-up with CIMB that allows you to create a savings account
- GInvest – a service that allows you to invest your money in mutual funds
- GInsure – a marketplace for insurance products
- GLife – a showcase of different partner mini-apps within GCash
- GLoan – quick cash loans based on GScore
- GGives – paying for big purchases in installment
I discussed what GCash was and how it can make our everyday tasks easier. I walked you through the app installation, user verification, and some other need-to-knows.
Then I walked through the most common features of GCash – Cash-in, Cash out, Buy Load, Pay Bills, Send Money, and QR Payments as a primer on how to get started with cashless wallets.
If you would like to subscribe to our newsletter (and get my GCash cheatsheet for free), please leave your email in our contact form.
How was this post? Was there anything I missed? Please do add your comments and suggestions below.