Chinabank to GCash: the fee, limits and My CBC steps, from China Bank’s and GCash’s own pages.
Short answer Sending money from Chinabank to GCash is free in the My CBC app: China Bank charges nothing for e-wallet top-ups by InstaPay or PESONet. By InstaPay you can send up to ₱50,000 per transfer, within a ₱250,000 daily total for all non-PESONet transfers; by PESONet, up to ₱499,999 a day. Use Top-up E-Wallet and enter your GCash mobile number.
At a glance
- Fee, InstaPay or PESONet to an e-wallet₱0China Bank ↗ ·
- InstaPay limit₱50,000 per transfer, ₱250,000 a dayChina Bank ↗ ·
- PESONet limit₱499,999 per transfer and per dayChina Bank ↗ ·
- GCash account number to enteryour GCash mobile numberGCash ↗ ·
What it costs
China Bank’s My CBC page answers “Is there a service fee for transferring funds using My CBC?” with “None”, and lists transfers “to e-wallets via InstaPay” and “to e-wallets via PESONet” as free of charge (China Bank ↗). The Top-up E-Wallet section of the My CBC FAQs says the same: “Top-up eWallet transactions via InstaPay or PESONet are free” (China Bank ↗). China Bank’s move to free transfers was covered in BDO, Metrobank, PSBank and China Bank make transfers free.
| Route | Fee | Per transfer | Per day |
|---|---|---|---|
| InstaPay from My CBC | ₱0 | ₱50,000 | ₱250,000, shared with other non-PESONet transfers |
| PESONet from My CBC | ₱0 | ₱499,999 | ₱499,999 |
The fees every other bank and e-wallet charge are on InstaPay and PESONet transfer fees. Business accounts follow a different schedule there.
How much you can send
Two sets of limits apply at once: China Bank’s limits on what leaves your account, and the limits of your GCash profile on what comes in.
- China Bank, InstaPay: ₱50,000 per transaction and up to ₱250,000 in accumulated transactions a day (China Bank ↗ · ).
- China Bank, PESONet: ₱499,999 per transaction, with a daily limit of ₱499,999 for PESONet transfers.
- The shared ₱250,000: China Bank sets two bank-wide daily allowances per customer, ₱499,999 for PESONet and ₱250,000 for all non-PESONet transfers combined: transfers to other China Bank and China Bank Savings accounts, InstaPay (including person-to-person QR) and QR payments to merchants.
- Your own lower limits: in My CBC you can set a daily limit per transfer type at or below those allowances. A transfer that would go over either your own limit or the bank’s allowance is blocked with an on-screen message.
| GCash profile | Wallet limit (any time) | Incoming per month |
|---|---|---|
| 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 |
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. Every profile and its outgoing limits are on GCash limit by profile.
Steps
From the My CBC app, free:
- Log in to My CBC, tap More, then Top-up E-Wallet under My CBC Services › Products and Services.
- Select the China Bank account to send from.
- Select GCash as the destination e-wallet. Enter your GCash mobile number, choose a saved favourite or scan the QR code, then enter the amount.
- Select the transfer method, InstaPay or PESONet.
- Confirm and authenticate the transaction.
Sources: China Bank, My CBC FAQs ↗ · GCash ↗ ·
You can also use Transfers › Other bank accounts or eWallets - Instapay (or - PesoNet) and pick GCash as the destination (China Bank ↗). After a successful transfer My CBC shows a confirmation screen with a reference number, lists it in your transaction history and sends a confirmation by email and SMS; GCash also sends an SMS when the cash in arrives.
Scheduled and recurring top-ups. Under When, choose Now, Later or Recurring (daily, weekly, monthly, quarterly, semi-annually or yearly). The most occurrences you can set are 365 daily, 52 weekly, 60 monthly or quarterly, 20 semi-annual and 10 yearly. Manage or cancel them under More › My CBC Services › Products and Services › Scheduled Transactions.
How long it takes
- InstaPayright awayGCash lists InstaPay cash ins as credited “right away”.
- PESONetusually the next banking dayper the same GCash article; PESONet runs on banking days only.
Source: GCash Help Center ↗ ·
How PESONet batches work at other banks is on PESONet cut-off times by bank, and the two rails are compared on PESONet vs InstaPay.
Warning InstaPay and PESONet send to the account number you type. Check your GCash mobile number before you confirm, and never share your OTP, MPIN or passkey with anyone who offers to speed up, cancel or reverse a transfer.
Tip If you suspect someone has access to your account, My CBC’s Money Lock lets you lock part or all of the balance of a savings or current account, so any outgoing transfer that would use the locked amount is blocked (China Bank ↗).