Every GCash fee in one place: cash in, cash out, send and bank transfer.
Short answer GCash charges ₱10 for an InstaPay transfer to a bank or another e-wallet since July 4, 2026, and nothing to send money to another GCash wallet by QR. Cash in over the counter is free up to ₱8,000 a month, then 2%, and 7-Eleven adds 1% of its own. Cash out at a partner outlet costs 2% on every cash out.
At a glance
- GCash to a bank or e-wallet (InstaPay)₱10 per transactionBSP ↗ ·
- GCash to GCash by QRFreeGCash ↗ ·
- Cash in over the counterFree up to ₱8,000 per month, then 2% on the excessGCash ↗ ·
- Cash out over the counter2% on every cash outGCash ↗ ·
- Wallet limit, Fully Verified₱1,000,000 at any timeGCash ↗ ·
- OperatorG-Xchange, Inc., on the BSP list of electronic money issuersBSP ↗ ·
GCash fees by channel
The wallet is run by G-Xchange, Inc., which the BSP lists as an EMI-Non-Bank Financial Institution in its directory of supervised electronic money issuers as of 31 May 2026. Cash in means putting money into the wallet; cash out means taking it out as cash.
Fees: Cash in
| Channel | Fee | Conditions |
|---|---|---|
| Over-the-counter partners, GCash’s own fee | Free, then 2% | Free up to ₱8,000 per month; 2% on the amount above it; the free allowance resets on the 1st |
| 7-Eleven, charged on top of GCash’s fee | 1% | Applies to every amount and is deducted from what reaches the wallet |
| GCash Pera Outlet (sari-sari store) | 1% suggested | Each outlet sets the final fee; minimum ₱100 |
| Cebuana Lhuillier authorized agents | Set by each branch | Ask the branch for its fee before paying |
| Palawan Pawnshop | Free | The partner states ₱100 to ₱50,000 per transaction |
| Linked BPI account | ₱15 | InstaPay cash in from the linked account |
| Linked UnionBank account | ₱10 | InstaPay cash in from the linked account (re-) |
| Your own bank’s app, by InstaPay or PESONet | Set by the sending bank | GCash says “Varies per bank”. InstaPay lands right away; PESONet usually the next banking day |
| PayPal | 1% | All amounts, since March 7, 2026 |
| Payoneer | Free | All amounts |
| Remittance claimed into the wallet | Free | Sending and claiming a remittance are both free |
Fees: Cash out
| Channel | Fee | Conditions |
|---|---|---|
| Partner outlets over the counter | 2% | Applies to all cash outs |
| GCash Card at an ATM | ₱0 to ₱18 | Charged by the ATM provider at BSP-approved rates; Fully Verified users only; ₱20,099 per withdrawal and ₱40,099 per day |
| RCBC Scan to Withdraw, cardless | ₱18 | Fully Verified users; ₱100 minimum and ₱5,000 maximum per transaction |
| GCash Pera Outlet (sari-sari store) | 2% | From GCash’s retailer sheet, ₱20 on ₱1,000 |
| Transfer to your own bank, then withdraw | ₱10 | The InstaPay fee; your bank’s ATM terms apply after that |
Fees: Send and transfer
| Channel | Fee | Conditions |
|---|---|---|
| GCash to GCash by QR (Express Send) | Free | GCash charges an InstaPay fee only once the money leaves for a bank or another e-wallet |
| Express Send monthly count | Free | 550 sends and 500 receives each month, reset at the start of the month |
| GCash to a local bank or e-wallet (InstaPay) | ₱10 | Per transaction since July 4, 2026; real time |
| GCash to a bank by PESONet | Not offered to individuals | The BSP summary marks G-Xchange’s individual PESONet service as unavailable, and GCash’s transfer article describes InstaPay only |
| Bills payment | Set by each biller | GCash says “Fees depend on the biller” |
InstaPay itself carries transaction amounts up to ₱50,000 under the BSP’s scheme rules, and GCash states the same ₱50,000 per transaction for InstaPay cash in.
What changed for InstaPay in July 2026
What changed
The ₱10 figure rests on two pages. GCash’s help-centre advisory says “Starting July 4, 2026, InstaPay transfers will be lowered to Php 10 per transaction” and tells users to update the app so the new fee shows. The BSP’s transfer-fee summary lists ₱10 for G-Xchange with the footnote “Fees lower to P10.00 effective on 4 July 2026.”
GCash’s own article on transfers to local banks or e-wallets still showed ₱15 when it was , so the two GCash pages disagree with each other. Bank-side fees changed in the same weeks and differ by institution, which is set out in transfer fees by bank.
GCash wallet limits by verification level
| Level | Wallet limit at any time | Incoming, monthly | Outgoing, daily | Outgoing, monthly |
|---|---|---|---|---|
| Basic | ₱10,000 | ₱5,000 | No limit | ₱5,000 |
| GCash Jr. | ₱100,000 | ₱100,000 | ₱100,000 | ₱100,000 |
| Fully Verified | ₱1,000,000 | ₱1,000,000 | ₱500,000 | ₱1,000,000 |
| 5M | ₱5,000,000 | ₱5,000,000 | ₱1,000,000 | ₱5,000,000 |
| 10M | ₱10,000,000 | ₱10,000,000 | ₱1,000,000 | ₱10,000,000 |
Basic covers non-verified users and GCash Jr. fully verified users aged 7 to 17; the 5M and 10M profiles are for eligible customers with active GSave, GFunds, GBonds, GStocks or GCrypto accounts, subject to approval. Transaction limits reset on the 1st day of each month, and linked accounts of one user share the highest limit without adding up. An adult with a Basic account raises it to ₱1,000,000 by getting Fully Verified. Every profile is on GCash limit by profile.
Cash in at 7-Eleven and other partner outlets
7-Eleven charges 1% “on all GCash cash in transactions regardless of the amount”, deducted from the amount credited, and says GCash’s own fees stay as they are. You generate a barcode in the CLiQQ app and pay the cashier in cash. GCash’s ₱8,000 monthly free allowance still runs alongside that 1%, and GCash gives its own worked example: after ₱7,000 of cash in that month, a ₱1,100 cash in costs ₱2, because ₱100 crosses the limit at 2%.
Palawan Pawnshop states that cash in to a GCash wallet there is free, within ₱100 to ₱50,000 per transaction. Cebuana Lhuillier’s authorized agents set the cash-in fee per branch. At a GCash Pera Outlet the suggested fee is 1%, but the outlet decides, so ask before handing over the money. GCash also names Bayad Center, Puregold, SM, M. Lhuillier, LBC Express and Mercury Drug among its over-the-counter partners.
Bills payment fees
There is no single GCash convenience fee for bills: “Fees depend on the biller.” The figures GCash publishes include ₱0 for Meralco, ₱7 for Globe Postpaid and Globe At Home, ₱7 for PLDT and SMART, ₱6 for Manila Water and ₱12 for Easytrip RFID. The same page lists ₱10 for Maynilad from February 3, 2026, and ₱12 for Converge and Autosweep from March 24, 2026.
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