BPI to GCash: the fee, the limits and how long a transfer takes, from BPI’s and GCash’s own pages.
Short answer Sending money from BPI to GCash is free when you start it in the BPI app or BPI Online: since July 1, 2026, BPI charges ₱0 for InstaPay and PESONet transfers to other banks and e-wallets. InstaPay arrives in real time, up to ₱50,000 per transfer. Pulling the money from the GCash app instead, through a linked BPI account, costs ₱15 per cash in.
At a glance
- Fee from the BPI app, InstaPay or PESONet₱0, from July 1, 2026BPI ↗ ·
- Fee for a linked BPI cash in from the GCash app₱15BPI ↗ · GCash ↗ ·
- Most per InstaPay transfer₱50,000BPI ↗ ·
- BPI default daily limit to other banks and e-wallets₱50,000, adjustable in the appBPI ↗ ·
- GCash account number to enteryour GCash mobile numberGCash ↗ ·
What changed
- Before₱10 per InstaPay transfer and ₱50 per PESONet transfer from BPI to other banks and e-wallets.
- Now₱0 for both, on the BPI app, BPI Online, VYBE, BanKo and BizKo.
- EffectiveJuly 1, 2026
What it costs
There are two ways to move money from BPI to GCash, and they cost different amounts. A transfer you send from BPI goes out over InstaPay or PESONet, which BPI made “permanently free” from July 1, 2026, replacing its previous ₱10 InstaPay and ₱50 PESONet fees. The BSP’s summary of digital transfer fees records BPI’s InstaPay and PESONet for individual clients as free from the same date. A cash in you start from the GCash app pulls the money from a BPI account linked to GCash; BPI and GCash both list ₱15 for it.
| Route | Started from | Fee | Rail | Arrives |
|---|---|---|---|---|
| Transfer to another bank/e-wallet > G-Xchange (GCash) | BPI app or BPI Online | ₱0 | InstaPay | Real-time |
| Same transfer by PESONet | BPI app or BPI Online | ₱0 | PESONet | Banking days |
| Cash In > My Banks > BPI | GCash app, linked BPI account | ₱15 | Linked account | Real-time |
BPI says the ₱15 linked cash-in fee took effect on October 1, 2025. Since February 13, 2025, BPI has loaded GCash through Transfer to other banks, choosing G-Xchange for GCash, under industry rules on loading e-wallets (BPI ↗ · ). The fees every other bank and e-wallet charge are on InstaPay and PESONet transfer fees.
How much you can send
Three limits apply at once: the InstaPay cap on each transfer, your BPI daily limit and the incoming limit of your GCash profile.
- Per transfer: InstaPay is capped at ₱50,000 per transaction; BPI allows an unlimited number of InstaPay transactions (BPI ↗ · ). PESONet from BPI goes up to ₱250,000 per transaction (BPI ↗ · ).
- BPI per day: the default daily limit for transfers to other banks and e-wallets is ₱50,000, which you can change under More > Transactions > Customize transactions limits (BPI ↗ · ). BPI’s InstaPay page gives a daily aggregate limit of ₱250,000, or ₱500,000 for BPI Preferred, Gold and Private Banking clients, counting InstaPay, PESONet, cash ins and loads together.
- Linked cash in from GCash: minimum ₱1 and a default e-wallet cash-in limit of ₱10,000 a day on BPI’s side (BPI ↗ · ); GCash requires a Fully Verified account and allows up to ₱50,000 per transaction (GCash ↗ · ).
| GCash profile | Wallet limit | Monthly incoming limit |
|---|---|---|
| Basic | ₱10,000 | ₱5,000 |
| GCash Jr. | ₱100,000 | ₱100,000 |
| Fully Verified | ₱1,000,000 | ₱1,000,000 |
| 5M | ₱5,000,000 | ₱5,000,000 |
| 10M | ₱10,000,000 | ₱10,000,000 |
Every profile is on GCash limit by profile. GCash says a transfer that would take you over your limit fails and the money goes back to the sender (GCash ↗ · ).
Steps
From the BPI app, free:
- Tap Move money > Transfer money > To another bank/e-wallet.
- Choose the BPI account to send from.
- Choose G-Xchange (GCash) as the destination and enter your GCash mobile number as the account number, or upload the GCash QR code.
- Enter the amount and check that the Amount field shows InstaPay.
- Tap Continue and confirm with your BPI Mobile Key. BPI emails the transaction details.
From the GCash app, ₱15 per cash in:
- Link the account once: Cash In > Local Banks > Link Bank Account > BPI. GCash links one account per bank.
- After that, tap Cash In > My Banks > BPI, enter the amount and confirm.
How long it takes
- InstaPay from BPIreal-timeBPI credits InstaPay in real time, 24/7 (BPI ↗ · ); GCash says it is usually instant and can take up to 2 hours at busy times (GCash ↗ · )
- PESONet from BPIsame banking dayBPI sends PESONet on banking days only, the next banking day for transfers made after 4:00 PM (BPI ↗ · ); GCash says PESONet arrives within 1 banking day if sent before 3 PM, otherwise the next banking day
- Failed or pending transfera few minutes to 3 banking daysGCash says the money goes back to the sender’s account in that time
Cut-off times for every bank are on PESONet cut-off times by bank.
Warning InstaPay transfers are credited at once. If you entered the wrong GCash number, GCash asks you to contact your bank, BPI in this case (GCash ↗ · ). Check the mobile number before you confirm, and never share your Mobile Key, MPIN or one-time PIN with anyone offering to speed up or reverse a transfer.