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GCash fees depend on the transaction: cash in, transfer money, pay a bill, or withdraw using a GCash Card. Some charges are set by a partner bank, biller, outlet, or ATM operator.
GCash’s currently available official fee pages are maintained in 2026 and include changes that took effect after 2025. They do not provide a complete archived fee table labeled “2025,” so the figures below should not be treated as a complete historical 2025 schedule. Sources: GCash cash-in fees and GCash bank-transfer help.
GCash cash-in fees
Cash-in charges vary by channel. The key distinctions are linked-bank cash in, over-the-counter cash in, PayPal or Payoneer, remittance, and GCash Pera Outlet transactions. Figures in this section are from GCash’s published cash-in fee schedule.
| Cash-in method | Published fee | Important condition |
|---|---|---|
| InstaPay Cash In via BPI | PHP 15 | GCash account must be linked to the bank; maximum PHP 50,000 per transaction |
| InstaPay Cash In via UnionBank | PHP 10 | GCash account must be linked to the bank; maximum PHP 50,000 per transaction |
| PayPal | 1% below PHP 20,000; PHP 200 for PHP 20,000 and above under the published schedule | Effective March 7, 2026, the fee became 1% for all amounts |
| Payoneer | Free | Subject to the service’s own requirements |
| Over the counter | Free up to PHP 8,000 per calendar month; 2% on the excess | Allowance resets on the first day of every month |
| GCash Pera Outlet | Suggested 1% | The outlet sets the final fee; minimum cash-in is PHP 100 |
| Remittance | Free | Applies to sending and claiming through the listed GCash remittance service |
Linked-bank InstaPay cash in
To use the published bank cash-in flow, open GCash → View All → Cash In → Local Banks, choose BPI or UnionBank, enter the amount, and tap Next. The account must be linked to GCash, and the limit is PHP 50,000 per transaction. See GCash’s InstaPay Cash In instructions.
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GCash says its InstaPay cash-in fee remains unchanged, but the linked bank may impose or change a separate fee. If the transaction fails, the cash-in amount plus applicable fees are returned to the bank account.
PayPal and Payoneer
The published PayPal schedule lists a 1% fee for amounts below PHP 20,000 and PHP 200 for PHP 20,000 or more. GCash documents a change effective March 7, 2026: PayPal cash-ins became 1% for all amounts. Do not apply the PHP 200 figure to transactions on or after that date. Payoneer cash-in is listed as free. GCash’s current fee page does not publish an exact in-app menu path for PayPal or Payoneer cash in. Source: GCash cash-in fees.
Over-the-counter cash in
OTC cash in is not automatically charged 2%. The first PHP 8,000 of OTC cash in during a calendar month is free. The 2% charge applies only to the amount above the remaining monthly allowance, which resets on the first day of the next month.
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For example, if you have already used PHP 7,000 of the free allowance and then cash in PHP 1,100, only PHP 100 is chargeable. At 2%, the fee is PHP 2. This example is published by GCash.
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GCash Pera Outlet
GCash suggests a 1% service fee, but this is not a fixed nationwide rate. The outlet may charge a different amount. For a PHP 1,000 cash in, the suggested calculation is PHP 10, so you would pay PHP 1,010 and receive PHP 1,000 in your wallet. Confirm the outlet’s fee before handing over cash. Source: GCash cash-in fees.
GCash bank and e-wallet transfer fees
GCash-to-bank and GCash-to-e-wallet transfers use InstaPay and are described by GCash as real-time. The official support page says the InstaPay transfer fee was reduced to PHP 10 per transaction effective July 4, 2026. This is a post-change rate, not a verified exact rate for all of 2025. Source: GCash bank-transfer help.
If a transfer fails, GCash states that the full amount plus the PHP 10 fee is refunded to the GCash wallet under the documented rate. A delayed transfer may follow one of two paths:
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- The money may instead be credited to the destination bank within 3–5 business days.
Weekends and holidays are not counted as business days. For a missing transfer, open Transactions, select the relevant Bank Transfer, tap Get Help, then choose I didn’t receive the money. Source: GCash bank-transfer help.
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Check the destination account number carefully before confirming. A transfer sent to the wrong account is a separate problem from a normal system delay and should not be handled as though it were simply pending.
GCash bills payment fees
There is no single GCash bills-payment fee. Each biller sets or has an associated charge, and GCash directs users to its biller directory for the complete list, fee, and posting time. The examples below come from GCash’s bills-payment fee page.
| Biller or service | Published fee |
|---|---|
| Meralco | PHP 0 |
| Manila Water | PHP 6 |
| PLDT & SMART | PHP 7 |
| Globe Postpaid and Globe At Home | PHP 7 |
| Easytrip RFID | PHP 12 |
To pay a bill, use GCash homepage → Bills, select the biller, enter the required account details, tap Next, and review the fee before confirming. See GCash’s bill-payment instructions.
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GCash lists later fee changes for certain billers: Calapan Waterworks Corp and Maynilad changed on February 3, 2026, while Autosweep and Converge changed on March 24, 2026. Check the current biller directory rather than assuming all GCash bill payments are free. Source: GCash bills-payment fees.
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GCash Card ATM fees and limits
GCash does not set one universal ATM withdrawal fee for the GCash Card. The ATM provider determines the charge. GCash publishes ATM withdrawal and balance-inquiry fees ranging from PHP 0 to PHP 18; the applicable amount may vary under BSP-approved rates. Check the fee displayed by the bank or ATM operator. Source: GCash Card fees and transaction limits.
| GCash Card transaction | Fully Verified | Platinum |
|---|---|---|
| ATM withdrawal daily limit | PHP 40,099 | PHP 40,099 |
| ATM withdrawal per transaction | PHP 20,099 | PHP 20,099 |
| Local online payment per transaction | PHP 100,000 | PHP 100,000 |
| Local POS payment per transaction | PHP 100,000 | PHP 500,000 |
The same published ATM limits apply internationally: PHP 40,099 per day and PHP 20,099 per transaction. For international online payments, the per-transaction limit is PHP 100,000 for Fully Verified accounts and PHP 500,000 for Platinum accounts. International POS limits are PHP 100,000 and PHP 500,000 respectively. The daily withdrawal limit resets at 12:30 AM, not necessarily at midnight. A foreign ATM or payment network may also apply charges or exchange-rate adjustments outside the GCash fee itself. Source: GCash Card fees and transaction limits.
How to check the final fee before confirming
- Choose the exact GCash service instead of relying on a general fee list.
- Enter the recipient, biller, bank, or cash-in amount.
- Review the confirmation screen for the service fee and total amount.
- Check whether a partner—such as a bank, OTC outlet, biller, or ATM operator—adds its own charge.
- Save the transaction receipt, especially for transfers and bills payments.
What can and cannot be called a 2025 GCash fee
The official pages currently available document 2026 updates but do not provide a complete archived 2025 schedule. Identify each figure by its verified source and effective date. In particular:
- Do not claim that the PHP 10 InstaPay transfer fee was the exact rate throughout 2025.
- Do not apply the March 7, 2026 PayPal rule to earlier transactions.
- Do not say OTC cash in always costs 2%; only the amount above the monthly PHP 8,000 free allowance is charged.
- Do not describe GCash Pera Outlet’s 1% as fixed; it is a suggested fee.
- Do not state that every bill payment is free or that every GCash Card ATM withdrawal costs PHP 18.
FAQ
Is GCash cash in free?
Not always. Payoneer and listed remittance transactions are published as free, and OTC cash in is free up to PHP 8,000 per calendar month. Other channels have their own fees: BPI InstaPay cash in is PHP 15 and UnionBank InstaPay cash in is PHP 10 under the published schedule. Source: GCash cash-in fees.
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How much is the GCash OTC cash-in fee?
OTC cash in is free up to PHP 8,000 per calendar month. A 2% fee applies only to the amount exceeding the unused portion of that allowance. It resets on the first day of each month. Source: GCash cash-in fees.
Is GCash Pera Outlet cash in fixed at 1%?
No. GCash publishes 1% as a suggested fee. The outlet sets the final charge and may charge a different amount. The minimum cash-in amount is PHP 100. Source: GCash cash-in fees.
How much does GCash charge for bills payment?
The fee depends on the biller. Published examples include PHP 0 for Meralco, PHP 6 for Manila Water, PHP 7 for PLDT & SMART and Globe Postpaid or Globe At Home, and PHP 12 for Easytrip RFID. Source: GCash bills-payment fees.
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The ATM provider sets the fee. GCash’s published range is PHP 0 to PHP 18, so PHP 18 is not a universal GCash Card withdrawal charge. Source: GCash Card fees and transaction limits.
Can this list confirm every GCash fee charged in 2025?
No. GCash’s currently available official pages are maintained in 2026 and do not provide a complete archived table labeled 2025. They document current figures and changes with effective dates, so historical 2025 rates should not be inferred from later rates. Sources: GCash cash-in fees and GCash bank-transfer help.
The Bottom Line
GCash fees depend on the transaction route. Compare the channel before paying: linked-bank cash in has published rates, OTC cash in has a monthly free allowance, Pera Outlet fees can vary, bills-payment charges are biller-specific, and ATM fees come from the ATM provider. Because the available official pages document 2026 changes rather than a complete 2025 archive, verify the final amount shown in the app and do not treat a later rate as a confirmed 2025 rate.
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