GCash cash in adds money through banks, PayPal, Payoneer, remittance, OTC partners or a GCash Pera Outlet.
Short answer Linked BPI cash in costs ₱15 and linked UnionBank costs ₱10. PayPal cash in costs 1% from March 7, 2026, while Payoneer is free. Over-the-counter cash in is free for the first ₱8,000 each month, then the excess is charged 2%. A GCash Pera Outlet has a suggested 1% fee, but each outlet sets the final amount.
At a glance
GCash cash-in fees by method
| Method | Published fee | What to check |
|---|---|---|
| Linked BPI | ₱15 | Final app screen |
| Linked UnionBank | ₱10 | Final app screen |
| Online banking through InstaPay or PESONet | Handling fee may apply | Sending bank’s fee |
| PayPal | 1% | Amount and linked-account status |
| Payoneer | Free | Payoneer and wallet limits |
| Over the counter | Free to ₱8,000/month; 2% on the excess | Remaining free allowance |
| Remittance | Free to send and claim | Provider and receiving details |
| GCash Pera Outlet | Suggested 1%; outlet sets final fee | Ask before handing over cash |
A fee and a wallet limit are different. The fee page tells you the cost of the cash-in method. Your GCash profile still controls how much the wallet may receive and hold. See GCash limits before a large transaction.
How the ₱8,000 OTC allowance works
GCash gives free over-the-counter cash ins up to a total of ₱8,000 in each calendar month. The allowance resets on the first day of the next month.
The 2% fee applies only to the part above the allowance. GCash gives this example:
- cash in ₱7,000: free;
- later cash in ₱1,100 in the same month;
- ₱100 is above the remaining allowance;
- the fee is ₱2, which is 2% of ₱100.
In the app, open Cash In → Over-the-Counter. GCash says a note appears when the account is close to the free limit.
Some partners can also charge their own fee. The partner list specifically marks 7-Eleven at 1% and says fees at Cebuana authorised agents depend on the branch.
Where to cash in over the counter
GCash’s current partner page groups outlets by type.
| Type | Examples on the GCash list |
|---|---|
| Cash-in machines | eTap, Pay&Go |
| Convenience stores | 7-Eleven, Alfamart, FamilyMart, PureMart, Shell Select, Uncle John’s |
| Pawnshops | Cebuana authorised agents, M. Lhuillier, Palawan, Tambunting, Villarica |
| Payment facilities | Bayad Center, ECPay, ExpressPay, PERA HUB, True Money |
| Supermarkets | Puregold, Robinsons Supermarket, Shopwise, SM supermarkets, Waltermart |
| Drug stores | Generika, Mercury Drug, South Star Drug, Watsons |
| Logistics and fuel | LBC Express, Petron, Seaoil |
| Sari-sari stores | GCash Pera Outlet |
The list can change. Choose the partner inside the app before travelling, because the app shows the current instructions for that outlet.
How to cash in at an OTC partner
- Open the GCash app.
- Tap Cash In.
- Choose Over-the-Counter.
- Select the partner.
- Follow the partner’s instructions.
- Save the receipt until the balance appears.
GCash says the app shows when you are near the free monthly allowance. Read the amount and fee before confirming.
Warning Check the mobile number before paying. Do not hand over an OTP or MPIN. Keep the printed or electronic receipt until the money appears in the wallet.
Using a GCash Pera Outlet
A GCash Pera Outlet can accept the mobile number directly or a code generated in the app.
Mobile number
Tell the outlet the amount, confirm the total and fee, give the registered mobile number, pay the cash-in amount plus fee, then check the wallet balance or transaction history.
Code or barcode
Open Cash In → Over-the-Counter → Cash In via Code or Barcode, enter the amount and show the code to the outlet. GCash says the minimum is ₱100 and the barcode expires after three hours.
The outlet sets the final fee. GCash describes 1% as a suggested price, not a guaranteed rate.
Cash in from a bank, PayPal or Payoneer
A linked BPI or UnionBank account has the fixed fees shown above. An online transfer through InstaPay or PESONet may instead carry the sending bank’s handling fee.
PayPal cash in costs 1% from March 7, 2026. GCash lists Payoneer cash in as free. These service fees do not remove wallet limits, and the sending account can have its own rules.
For the PayPal route, see PayPal to GCash. For Payoneer, see Payoneer to GCash.
If the cash in does not appear
Do not repeat the payment immediately.
- Check the GCash transaction history.
- Confirm the mobile number on the receipt.
- Wait for the status shown by the chosen method.
- Keep the receipt, barcode or bank reference.
- Contact the partner or GCash with the date, amount and reference.
A second cash in can create a duplicate while the first one is still pending.