JILI365 GCash — Limits, Fees & Settlement
GCash is a Philippine payment rail — regulation: Bangko Sentral ng Pilipinas issued the licence, in the category of Electronic Money Issuer.
- Operator
- A Mynt company, G-Xchange, Inc., jointly owned through a venture of Globe Fintech Innovations and Ayala Corporation
- Regulator
- Bangko Sentral ng Pilipinas issued the licence, in the category of Electronic Money Issuer
- Wallet limit
- Measured at any given time, the limit is PHP 100,000 at Fully Verified. Five rungs make up the whole ladder: Basic allows PHP 10,000, GCash Jr PHP 50,000, Fully Verified PHP 100,000, GCash Plus PHP 500,000, and GCash Platinum PHP 1,000,000
- Settlement
- wallet-to-wallet and InstaPay transfers arrive in real time, PESONet the same banking day, and this comes from the rail underneath, not from GCash
- Figures as of
- 2026-09
Per-transaction cap: not published.
This page is about the rail itself, not any casino’s cashier: GCash is a Philippine payment rail, and what follows covers its limits, its settlement behaviour and its published fees.
GCash at a glance
| Field | Value |
|---|---|
| Operated by | A Mynt company, G-Xchange, Inc., jointly owned through a venture of Globe Fintech Innovations and Ayala Corporation |
| Regulated by | Bangko Sentral ng Pilipinas |
| Wallet limit | Measured at any given time, the limit is PHP 100,000 at Fully Verified. Five rungs make up the whole ladder: Basic allows PHP 10,000, GCash Jr PHP 50,000, Fully Verified PHP 100,000, GCash Plus PHP 500,000, and GCash Platinum PHP 1,000,000 |
| Per-transaction cap | Not published |
| Settlement | wallet-to-wallet and InstaPay transfers arrive in real time, PESONet the same banking day, and this comes from the rail underneath, not from GCash |
| Published fees | Cash-in over the counter costs nothing up to PHP 8,000 per month across all OTC channels combined; the excess carries 2 per cent, and the allowance resets on the first of each month. The bank sets the charge for linked-bank cash-in over InstaPay, at PHP 15 for BPI and PHP 10 for UnionBank. For PayPal cash-in the fee is 1 per cent under PHP 20,000 and a flat PHP 200 from that amount up, and GCash states it will change to a flat 1 per cent from 7 March 2026. Payoneer charges nothing for cash-in and remittance claims. A suggested 1 per cent is charged by Pera Outlet agents on a minimum PHP 100 cash-in, with the outlet setting the actual fee |
The figures here were recorded in 2026-09 and are point-in-time. Limits and fees get changed by payment providers with no notice, so the provider’s own page is the only up-to-date source.
Verification tiers
- Basic — Scan to pay, cash in, buy load, or pay bills. A wallet ceiling of PHP 10,000, monthly limits of PHP 5,000 in and PHP 5,000 out, and no daily cap stated
- GCash Jr. — Meant for users from 7 to 17 years old, with the Basic feature set. A wallet ceiling of PHP 50,000, and PHP 10,000 in per month, with PHP 10,000 out both daily and monthly
- Fully Verified — Access opens up to several services, namely send money, bank transfer, pay online, the GCash card, Borrow, GSave, GInvest, GInsure and GLife. A wallet ceiling of PHP 100,000, with PHP 100,000 allowed in monthly and PHP 100,000 out daily, and no monthly cap on outflow
- GCash Plus — A feature for users at Fully Verified level who have hooked up a bank or investment account. A wallet ceiling of PHP 500,000, with PHP 500,000 allowed in each month and PHP 100,000 out each day
- GCash Platinum — Eligible Globe Platinum subscribers only. A PHP 1,000,000 ceiling on the wallet, plus PHP 1,000,000 in per month, PHP 500,000 out per day and PHP 1,000,000 out per month
The published ceiling of Measured at any given time, the limit is PHP 100,000 at Fully Verified. Five rungs make up the whole ladder: Basic allows PHP 10,000, GCash Jr PHP 50,000, Fully Verified PHP 100,000, GCash Plus PHP 500,000, and GCash Platinum PHP 1,000,000 applies to the tier stated above, not to every account.
What GCash says about gambling transactions
Nothing in GCash’s own terms and conditions bans gambling merchants across the board; the closest general clause prohibits pyramid and Ponzi schemes. Whatever restrictions are in place are driven by the regulator. GCash withdrew the GLife Games top-up and withdrawal feature with effect from 16 August 2025, after BSP Memorandum M-2025-029, dated 14 August 2025, ordered every BSP-supervised institution to take in-app links and redirects to gambling and gaming sites down within 48 hours.
GCash also states a zero-tolerance policy toward illegal gambling operators, and it has reported blocking roughly 3,200 merchants that abused its QR system to send users to illegal gambling and scam sites. Together these measures hold back merchants tied to illegal gambling and top-ups for in-app gaming. Nothing in it says GCash can be used to fund a licensed casino’s cashier, and nothing says it cannot.
How fast money actually moves
GCash settles wallet-to-wallet and InstaPay transfers arrive in real time, PESONet the same banking day, and this comes from the rail underneath, not from GCash. This statement concerns the rail instead of the casino, given that an operator can hold a withdrawal for its own review before it ever reaches GCash, which is usually where the waiting time originates.
A per-transaction cap is not published. None is published for this rail.
Where GCash shows up in a casino cashier
- Log in to the casino you play at and open its cashier or deposit screen.
- Read the method list shown for your account: GCash is on offer only where that list names it.
- Match the name on the casino account to the name on your GCash account before you send anything.
- Read the minimum, the maximum and any GCash fee on that screen, then confirm the amount.
A cashier screen is the casino stating its own rails, so start every first GCash payment there.
Other payment rails explained here
- MayaIts standing with Bangko Sentral ng Pilipinas is that of an Electronic Money Issuer and registered Operator of Payment System
- InstaPayOversight from Bangko Sentral ng Pilipinas, operating within the National Retail Payment System framework
- PESONetBangko Sentral ng Pilipinas is the supervisor, and the National Retail Payment System framework is the rulebook it applies
- Over-the-Counter Cash AgentsThe Anti-Money Laundering Act, and Bangko Sentral ng Pilipinas, which regulates them as money service businesses
- Debit and Credit CardsBangko Sentral ng Pilipinas, acting according to the Manual of Regulations for Banks, Circular No. 1003 and Republic Act No. 10870
FAQ
What is the GCash wallet limit?
Measured at any given time, the limit is PHP 100,000 at Fully Verified. Five rungs make up the whole ladder: Basic allows PHP 10,000, GCash Jr PHP 50,000, Fully Verified PHP 100,000, GCash Plus PHP 500,000, and GCash Platinum PHP 1,000,000, at the tier the provider states. Lower tiers carry lower ceilings.
Does GCash charge fees?
Published fees: Cash-in over the counter costs nothing up to PHP 8,000 per month across all OTC channels combined; the excess carries 2 per cent, and the allowance resets on the first of each month. The bank sets the charge for linked-bank cash-in over InstaPay, at PHP 15 for BPI and PHP 10 for UnionBank. For PayPal cash-in the fee is 1 per cent under PHP 20,000 and a flat PHP 200 from that amount up, and GCash states it will change to a flat 1 per cent from 7 March 2026. Payoneer charges nothing for cash-in and remittance claims. A suggested 1 per cent is charged by Pera Outlet agents on a minimum PHP 100 cash-in, with the outlet setting the actual fee. Providers revise these without notice.
How do I know whether a casino takes GCash?
Open its cashier while you are logged in: the method list on that screen is the answer, and GCash is on offer only where it appears there. Match the names on both accounts and read the limits before you confirm.
Who regulates GCash?
GCash — regulation: Bangko Sentral ng Pilipinas issued the licence, in the category of Electronic Money Issuer. That covers the rail, not the casino.