Metrobank to GCash: the fee, the daily limits and how long a transfer takes, from Metrobank’s and GCash’s own pages.
Short answer Sending money from Metrobank to GCash is free from the Metrobank App and Metrobank Online: Metrobank charges no fee for InstaPay or PESONet. By InstaPay you can send up to ₱50,000 per transfer and ₱100,000 a day, and the money arrives in real time. Enter your GCash mobile number as the account number.
At a glance
- Fee, InstaPay or PESONet₱0Metrobank ↗ ·
- InstaPay limit₱50,000 per transfer, ₱100,000 a dayMetrobank ↗ ·
- PESONet limit₱200,000 a dayMetrobank ↗ ·
- PESONet cut-off3:00 PM PHT on a banking dayMetrobank ↗ ·
- GCash account number to enteryour GCash mobile numberGCash ↗ ·
What changed
- Before₱8 per InstaPay transfer to other banks and e-wallets.
- Now₱0 for InstaPay and PESONet through the Metrobank App.
- EffectiveJuly 9, 2026
What it costs
Metrobank’s InstaPay and PESONet help page lists the transaction fee for both rails as “None (FREE)”, and says the person receiving is not charged either: “The full amount sent will be credited to your beneficiary” (Metrobank ↗). Metrobank announced zero InstaPay and PESONet fees through the Metrobank App on July 9, 2026 (Metrobank ↗). Before that, its April 22, 2026 announcement put InstaPay transfers to other banks and e-wallets at ₱8 (Metrobank ↗). The change was covered at the time in BDO, Metrobank, PSBank and China Bank make transfers free.
| Route | Fee | Per transfer | Per day | Arrives |
|---|---|---|---|---|
| InstaPay from the Metrobank App or Metrobank Online | ₱0 | ₱50,000 | ₱100,000 | Real time |
| PESONet from the Metrobank App or Metrobank Online | ₱0 | Up to what is left of the daily limit | ₱200,000 | Same banking day if sent before 3:00 PM PHT |
| InstaPay by scanning a GCash QR code in the Metrobank App | ₱0 | ₱50,000 | ₱50,000 | Real time |
When GCash takes both InstaPay and PESONet, Metrobank routes a transfer of ₱50,000 or less through InstaPay automatically “for immediate crediting” (Metrobank ↗). The fees every other bank and e-wallet charge are on InstaPay and PESONet transfer fees.
How much you can send
Two sets of limits apply at once: Metrobank’s limits on what leaves your account, and the limits of your GCash profile on what comes in.
- Metrobank, InstaPay: ₱50,000 per transfer and ₱100,000 a day. Metrobank raised the daily figure from ₱50,000 to ₱100,000 on April 22, 2026 (Metrobank ↗ · ).
- Metrobank, PESONet: ₱200,000 a day; a single transfer can use whatever is left of that day’s limit (Metrobank ↗ · ).
- Metrobank, QR code: ₱50,000 a day to other banks by InstaPay (Metrobank ↗ · ).
Metrobank adds that “receiving limits may differ with every receiving institution”, so check the GCash side before you send.
| 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 Metrobank App, free:
- Choose Transfer to Other Bank, then InstaPay.
- Tap Transfer under One-Time Transfer.
- Choose GCash as the receiving bank and enter your GCash mobile number as the account number.
- Choose the Metrobank account to send from and enter the amount.
- Enter the one-time password (OTP) Metrobank sends by SMS to your registered mobile number.
GCash sends you an SMS once the money is in.
Sources: Metrobank ↗ · GCash ↗ ·
From Metrobank Online in a web browser, open the Send Money tab, choose the destination bank and fill in the recipient details, amount and source account. Metrobank says Metrobank Online also works for clients overseas (Metrobank ↗ · ).
How long it takes
- InstaPayreal timeMetrobank says “crediting funds is in real-time on InstaPay so your beneficiary will receive it right away” (Metrobank ↗ · )
- PESONet before 3:00 PM PHTsame banking dayMetrobank makes the funds available to the recipient account within the day
- PESONet after 3:00 PM PHTnext banking dayprocessed and credited on the next banking day
- Not reflected2 to 3 banking daysif a transfer still has not arrived, call the Metrobank Contact Center at (02) 88-700-700 or domestic toll-free 1-800-1888-5775 (Metrobank ↗ · )
Cut-off times at other banks are on PESONet cut-off times by bank.
Warning An InstaPay transfer cannot be cancelled once your Metrobank account is debited. InstaPay checks the account number only, not the name, so a wrong GCash number sends the money to someone else; Metrobank says the receiving institution then has to ask the recipient to return it (Metrobank ↗ · ). Never share your OTP, password or PIN with anyone who offers to speed up or reverse a transfer.