Key GCash Fees & Limits (2025–2026 updates): some cash-ins are free, OTC cash-ins are free up to ₱8,000 per month then 2%, and bank transfer charges commonly range from ₱5 to ₱25 depending on the route and partner.
Cash In (Add Money): Linked bank accounts are generally free. Over-the-counter partner outlets are free for the first ₱8,000 monthly, then 2% thereafter. Remittance cash-ins are typically free. GCash Pera Outlet (GPO) cash-in may apply a 1% fee.
Cash Out (Withdraw): Transfers to banks via InstaPay or PESONet often cost around ₱5–₱25 per transaction. GCash Visa/Mastercard ATM withdrawals commonly fall around ₱10–₱18 per withdrawal. Cash-out via GCash Pera Outlet (GPO) may incur a 2% fee.
Bills Payment: service charges vary by biller. Examples commonly cited: Meralco ₱0, Manila Water ₱6, and PLDT/SMART ₱7. Always review the payment screen for the final fee before confirming.
Other Services: GGives may have 0%–5.49% monthly interest plus late fees (often referenced as 1% late fee). For GCrypto, top-ups/withdrawals are commonly shown as no additional GCash fee, but network fees apply when sending crypto.
Note: Fees and limits can change. The most reliable number is the final fee shown on the confirmation screen right before you submit a transaction.
If you want to minimize fees, prioritize linked-bank cash-ins when available, plan OTC cash-ins to stay within the ₱8,000 monthly free threshold, and bundle withdrawals to reduce per-transaction costs.
Key GCash Fees & Limits (2025–2026 updates): some cash-ins are free, OTC cash-ins are free up to ₱8,000 per month then 2%, and bank transfer charges commonly range from ₱5 to ₱25 depending on the route and partner.
Cash In (Add Money): Linked bank accounts are generally free. Over-the-counter partner outlets are free for the first ₱8,000 monthly, then 2% thereafter. Remittance cash-ins are typically free. GCash Pera Outlet (GPO) cash-in may apply a 1% fee.
Cash Out (Withdraw): Transfers to banks via InstaPay or PESONet often cost around ₱5–₱25 per transaction. GCash Visa/Mastercard ATM withdrawals commonly fall around ₱10–₱18 per withdrawal. Cash-out via GCash Pera Outlet (GPO) may incur a 2% fee.