GCash to Maya and back: the fee each way, what to enter and the limits, from GCash’s and Maya’s own pages.
Short answer GCash and Maya are separate e-wallets, so money between them travels by InstaPay as a bank transfer. Sending from GCash to Maya costs ₱10 per transfer, and sending from Maya to GCash also costs ₱10. It normally arrives in real time, any day, up to ₱50,000 per transfer. In both directions the “account number” is the receiver’s mobile number.
At a glance
- GCash to Maya fee₱10 per transfer, from July 4, 2026GCash ↗ ·
- Maya to GCash fee₱10 per successful InstaPay transferMaya ↗ ·
- RailInstaPay, real-time, 24/7PPMI ↗ ·
- Most per transfer₱50,000BSP ↗ ·
- Maya InstaPay sending₱50,000 a day; ₱100,000, ₱500,000 or ₱5,000,000 a month by account typeMaya ↗ ·
- Account number to enterthe receiver’s registered mobile numberGCash ↗ · Maya ↗ ·
What changed
- Before₱15 per InstaPay transfer from both GCash and Maya (Inquirer, July 5, 2026 ↗).
- Now₱10 per transfer in each direction.
- EffectiveJuly 4, 2026 at GCash and July 6, 2026 at MayaBSP ↗ ·
What it costs
GCash’s transfer page says bank and e-wallet transfers go “via InstaPay for real-time transfers” and that “A PHP 10 fee applies per transaction”. Maya’s help page says “A ₱10 fee is charged for every successful InstaPay transfer from your Maya account to another local bank”; GCash is an InstaPay participant, so it is reached through that same Bank transfer menu. The BSP’s summary of digital transfer fees records ₱10 for G-Xchange (GCash) from July 4, 2026 and ₱10 for Maya Philippines (the Maya wallet) from July 6, 2026.
| Direction | Fee | Rail | Arrives | Source |
|---|---|---|---|---|
| GCash > Transfer > Local > Maya | ₱10 per transfer | InstaPay | Real-time | GCash · BSP |
| Maya > Bank transfer > GCash | ₱10 per successful transfer | InstaPay | Real-time | Maya · BSP |
| Either direction by PESONet | Not offered for individual wallet users | — | — | BSP |
The receiver pays nothing: InstaPay fees are charged by the sending institution only. The fee is flat, so one ₱20,000 transfer costs ₱10 and four ₱5,000 transfers cost ₱40. Maya Bank, the savings account, is a separate participant from the Maya wallet; the BSP sheet lists ₱10 for it as well. Fees at every other bank and e-wallet are on InstaPay and PESONet transfer fees.
How much you can send
Three limits apply at once: the ₱50,000 InstaPay cap on each transfer, the sender’s outgoing limit and the receiver’s incoming or wallet limit.
| Limit | Basic | Upgraded | Super Users | Ultimate Users |
|---|---|---|---|---|
| Maya InstaPay sending | — | ₱50,000 a day, ₱100,000 a month, 40 a month | ₱50,000 a day, ₱500,000 a month, 80 a month | ₱50,000 a day, ₱5,000,000 a month |
| Maya wallet balance, monthly | ₱50,000 | ₱100,000 | ₱500,000 | ₱5,000,000 |
| Maya InstaPay receiving | ₱50,000 per transfer | ₱50,000 per transfer | ₱50,000 per transfer | ₱50,000 per transfer |
Maya says incoming transfers count against the combined monthly wallet balance limit: a Basic user who has already received ₱10,000 in a month can receive only ₱40,000 more that month. On the GCash side, a Fully Verified user can send up to ₱500,000 a day, within ₱1,000,000 a month, and a Basic user ₱5,000 a month (GCash ↗ · ); every GCash profile is on GCash limit by profile.
Steps: GCash to Maya
- Open GCash and tap Transfer > Local.
- Tap View All and choose Maya from the list of banks and e-wallets.
- Enter the amount, the receiver’s name and, as the account number, the receiver’s 11-digit Maya mobile number.
- Tap Send Money, check the details and tap Confirm.
Maya’s cash-in page tells senders at other banks and wallets to pick Maya as the receiving institution and to use the 11-digit mobile number as the account number (Maya ↗ · ).
Steps: Maya to GCash
- Open Maya and tap Bank transfer.
- Select GCash (G-Xchange) as the partner bank.
- Enter the amount, the receiver’s name and the receiver’s GCash mobile number as the account number, then tap Continue.
- Check the details, tap Transfer now and enter the one-time PIN sent to your phone.
GCash’s own cash-in guide says the same from the receiving side: choose GCash as the bank and enter the GCash mobile number as the account number (GCash ↗ · ).
How long it takes
- Normal transferreal-timeInstaPay runs 24/7, weekends and holidays included (PPMI ↗ · )
- Delayed GCash transfer, credited3 to 5 business daysGCash sends an SMS when a system issue or maintenance holds a transfer up (GCash ↗ · )
- Delayed GCash transfer, returned1 to 2 business daysthe amount and the fee go back to the GCash wallet
If a Maya transfer fails, Maya points users to its Service Status page to check whether bank transfers are down (Maya ↗ · ).
Warning InstaPay credits the receiver at once and a successful transfer cannot be cancelled by the sender (BSP ↗ · ). Check the mobile number and the name before you confirm, and report a wrong transfer only through the GCash or Maya app or official hotline, never through a link or number someone sends you.