Coins.ph cash out fees by channel, limits and steps, from Coins.ph’s help center.
Short answer Cashing out pesos from Coins.ph costs a flat ₱5 by InstaPay and ₱0 by PESONet for individual accounts. Over-the-counter pickup at remittance centers costs ₱105 for amounts up to ₱10,000 and 1.6% of the amount above that. InstaPay takes ₱1 to ₱50,000 per transaction; the fee is shown on the confirmation screen before you confirm.
By zpeso Desk · Coins.ph help pages .
At a glance
- InstaPay cash out fee₱5 flat per order, ₱1 to ₱50,000Coins.ph ↗ ·
- PESONet cash out fee, individual accounts₱0; corporate accounts ₱5Coins.ph ↗ ·
- Remittance center pickup₱105 up to ₱10,000, then 1.6% of the withdrawal amountCoins.ph ↗ ·
- Daily withdrawal limit, Identity Verified₱1,000,000Coins.ph ↗ ·
- BSP statusBetur Inc. (COINS.PH) is listed as an active non-bank VASPBSP ↗ · list as of 2026-07-15,
Risk Crypto-assets are highly volatile and you can lose all the money you put in. Use only platforms registered with the BSP/SEC. This is not a recommendation to buy.
Cash out fees by channel
Coins.ph says fees vary by payout method, transaction size and account type, and are calculated and shown before you confirm a cash out.
| Cash out channel | Who pays what | Fee |
|---|---|---|
| InstaPay to a bank or e-wallet | Individual and corporate | ₱5 flat per order |
| PESONet to a bank | Individual accounts | ₱0 |
| PESONet to a bank | Corporate accounts | ₱5 flat |
| Remittance center pickup, up to ₱10,000 | Palawan Pawnshop, Cebuana Lhuillier, M Lhuillier, Pera Hub, Villarica Pawnshop, LBC Express, RD Pawnshop, Bayad Center | ₱105 flat |
| Remittance center pickup, over ₱10,000 | Same outlets | 1.6% of the total withdrawal |
Coins.ph’s own fee is separate from what the receiving bank or e-wallet does with the money. On a payout to GCash, the receiving side applies its own incoming limits, listed on GCash limit by profile.
Limits and minimums
| Channel | Minimum | Maximum per transaction |
|---|---|---|
| InstaPay | ₱1 plus fees | ₱50,000 |
| PESONet | ₱5 | Higher than InstaPay; set by the channel |
| Remittance centers | ₱1,000 plus fees | Set by the outlet |
Your account also has withdrawal limits by verification level. Both PHP cash outs and external crypto withdrawals count toward them.
| Verification level | Daily | Monthly | Annual |
|---|---|---|---|
| Identity Verified (government ID and selfie) | ₱1,000,000 | ₱30,000,000 | ₱360,000,000 |
| Enhanced Verified (proof of income) | ₱10,000,000 | ₱200,000,000 | ₱2,400,000,000 |
An unverified account cannot withdraw. Cashing out requires ID and selfie verification and a verified mobile number linked to the account (Coins.ph ↗).
Steps
For InstaPay in the Coins.ph app:
- Open the app and go to the Portfolio tab.
- Tap Withdraw and select Cash Out.
- Search for your bank or e-wallet.
- Select InstaPay as the transfer method (₱5 fee).
- Enter the amount, account holder name, account number and recipient phone number.
- Review the details and complete the security verification (OTP or MFA).
Source: Coins.ph, How can I cash out through InstaPay? ↗ ·
How long it takes
- InstaPayreal time, 24/7funds should show in the receiving account within seconds to a few minutes.
- PESONetsame day or next banking dayit runs in batches on banking days. Rail differences are on PESONet vs InstaPay.
- Remittance centerswithin about 10 minutes at most outletsPalawan Pawnshop cash outs are not instant and follow a daily batch window.
Source: Coins.ph, How to Cash Out ↗ ·
Warning InstaPay sends to the account number you type. A wrong number or name can delay or reject the transfer. Never share your OTP with anyone who offers to speed up a cash out.
Tip Coins.ph says InstaPay is cheaper than a remittance center for amounts under ₱10,000, and PESONet is the cheapest bank route for individual accounts when you do not need the money at once.