GCash limit: Fully Verified users may hold ₱1,000,000, move ₱1,000,000 a month and send ₱500,000 a day.
Below are the limits for every GCash profile. Every figure comes from GCash’s own Help Center or the bank that publishes it, with the date we checked it.
Short answer Your GCash limit depends on your profile. A Fully Verified adult can keep up to ₱1,000,000 in the wallet, receive ₱1,000,000 a month and send ₱500,000 a day, within ₱1,000,000 a month. A Basic (non-verified) account is capped at ₱10,000 in the wallet and ₱5,000 in or out per month. Monthly limits reset on the 1st day of each month.
At a glance
- Basic₱10,000 wallet, ₱5,000 incoming and ₱5,000 outgoing per monthGCash ↗ ·
- Fully Verified₱1,000,000 wallet, ₱1,000,000 incoming and outgoing per month, ₱500,000 outgoing per dayGCash ↗ ·
- GCash Jr. (ages 7 to 17, Fully Verified)₱100,000 wallet, ₱100,000 in and out per month, ₱100,000 outgoing per dayGCash ↗ ·
- Reset1st day of each monthGCash ↗ ·
- Most per bank transfer₱50,000, the InstaPay capBPI ↗ ·
What changed
- BeforeFully Verified: ₱500,000 wallet, ₱500,000 incoming per month, ₱500,000 outgoing per day and per month, as GCash’s Help Center showed on October 4, 2026. A separate GCash Platinum row gave ₱1,000,000.
- NowFully Verified adults get a ₱1,000,000 wallet limit and ₱1,000,000 incoming and outgoing per month, with ₱500,000 outgoing per day. The Platinum row is gone from the limits table.
- EffectiveGCash dates its limit update October 1, 2026; the ₱1,000,000 figures were on its Help Center when we .
GCash limits by profile
GCash sets three kinds of limit. The wallet limit is the most you can keep in GCash at any time. The incoming limit is the most you can receive, through cash in or money sent to you. The outgoing limit is the most you can spend and send: Send Money, bank transfers and cash out all count against it.
| Profile | Who it is for | Wallet limit (any time) | Incoming per month | Outgoing per month | Outgoing per day |
|---|---|---|---|---|---|
| Basic | Non-verified users, minors and adults | ₱10,000 | ₱5,000 | ₱5,000 | No limit |
| GCash Jr. | Fully verified users aged 7 to 17 | ₱100,000 | ₱100,000 | ₱100,000 | ₱100,000 |
| Fully Verified | Fully Verified adults, GTourist and PowerPay Plus users | ₱1,000,000 | ₱1,000,000 | ₱1,000,000 | ₱500,000 |
| 5M | Eligible customers with active GSave or GFunds, GBonds, GStocks, GCrypto, or users of accredited GCash partners; subject to approval | ₱5,000,000 | ₱5,000,000 | ₱5,000,000 | ₱1,000,000 |
| 10M | Eligible customers with active GSave and GFunds, GBonds, GStocks, GCrypto; subject to approval | ₱10,000,000 | ₱10,000,000 | ₱10,000,000 | ₱1,000,000 |
GCash says that once you reach a limit, you cannot use certain services “until it resets on the 1st day of the following month or you upgrade your profile”. To see the new limits on your own account, GCash asks you to update the app to the latest version, then tap Profile > Profile Limits.
A Fully Verified user who sends a lot should watch the monthly figure as well as the daily one: ₱500,000 can go out in a single day, and two such days use up the whole ₱1,000,000 for the month.
Limits on each transfer and service
Your profile limit is not the only cap. Some services carry their own limits on top of it.
| Service | Limit | Source |
|---|---|---|
| Bank transfer by InstaPay | ₱50,000 per transfer | BPI ↗ |
| GCash Card, ATM withdrawal | ₱20,099 per withdrawal, ₱40,099 per day (resets at 12:30 AM) | GCash ↗ |
| GCash Card, online or POS payment, Fully Verified | ₱100,000 per transaction | GCash ↗ |
| GCash Card, POS payment, Platinum | ₱500,000 per transaction | GCash ↗ |
| Express Send (GCash to GCash) | 550 sends and 500 receives per month | GCash ↗ |
A Fully Verified user can therefore move ₱500,000 to a bank in one day only as several transfers of up to ₱50,000 each. What each transfer costs is on GCash fees and InstaPay and PESONet transfer fees; the ways to withdraw cash and their fees are on where to cash out GCash.
How to increase your GCash limit
GCash lists these official routes (GCash ↗ · ):
- Adult with a Basic account: get Fully Verified. GCash says this raises your limit to ₱1,000,000.
- Minor with a Basic account: get Fully Verified. This raises the wallet limit to ₱100,000 (GCash Jr.).
- GCash Platinum: GCash says to contact Globe directly.
- 5M and 10M profiles: for eligible customers with the active GSave, GFunds, GBonds, GStocks or GCrypto accounts listed in the table, subject to GCash’s approval.
GCash adds that lowering your limit is not available: “Currently, downgrading to a lower wallet limit is not available.”
Warning GCash raises limits only through verification inside the app. Ignore anyone on Facebook, Telegram or SMS who offers to “upgrade” or “unlock” your limit for a fee, and never share your MPIN or one-time PIN.
More than one GCash account
Adults can create up to five accounts, and GCash links them automatically to one customer profile. Minors aged 7 to 17 can have one account per customer profile. When accounts are linked, the highest limit applies to all of them, but the limits are not added together: if one number has already received ₱1,000,000 in a month, the other linked accounts cannot receive more until the limit resets (GCash ↗ · ). The ownership limit counts up to five fully verified personal accounts under your name (GCash ↗ · ).