GCash Rates in 2022 - Charges, Interest, and Transaction Fees


The GCash app provides a quick and easy way to transact online by simply logging in to your account, and you may access the services you choose to utilize without having to physically visit establishments. With their domestic and international partners, you can send and receive money anywhere, making the service easier and more affordable.

There are a variety of fees associated with using GCash for transactions. The list of GCash rates for 2022 is provided here, with special emphasis on transaction fees, interest, and other fees for various services.


Rates or Fees for GCash Cash-In 

  • Free - using GCash app's associated bank account (BPI, Metrobank, and Unionbank)
  • Free - by sending money with the GCash app (Moneygram and Western Union)
  • Free - using the GCash app's integration with PayPal
  • 2% of cash-in amount - via GCash's integration with Payoneer 
  • Free - via Over-The-Counter outlets above the monthly free cash-in limit of PHP 8,000
  • 2% of cash-in amount - via Over-The-Counter outlets above the monthly free cash-in limit of PHP 8,000
  • PHP 0 to PHP 50 - via bank's mobile banking app. Fees depend on bank partners.
  • Transaction costs that vary - via Global Partners and Remittance


GCash partner banks: AUB, BDO, BPI, EastWest Bank, Landbank, Maybank, Metrobank, PBCOM, PNB, PSBank, RCBC, Security Bank, UCPB, UnionBank


GCash over-the-counter cash-in partners: All Day Supermarket, Easy Day Shop, Ever Supermarket, Gaisano Grand, Jaynith's, Puregold, Robinsons Supermarket, Robinsons Easymart, Shopwise, SM Group of Supermarkets, The Marketplace, Ultra Mega, Waltermart, Ayala Malls, Robinsons Department Store, SM Department Store, Southstar Drug, Mercury Drug, Watsons, Petron, Seaoil, Angkas, LBC, ETAP, Pay&Go, TouchPay, ZoomPay, Cebuana, CVM Pawnshop, Jaro Pawnshop, Palawan, RD Pawnshop, Tambunting, Villarica, AllBank, AllCash, Bayad Center, Bizooku, DA5, ECPay, ExpressPay, Globe Store, GrowSari, iBayad, Optimum Remit, Panalo Express, PeraHUB, Posible, TrueMoney, VIP Payments Center, Alfamart, Choicemart, Family Mart, Lawson, Ministop, Puremart, Shell Select.


GCash Global Partners and Remittance: AliPayHK, Azimo, bWallet, Coinshot, Cross Remittance, EEC, EMQ Send, Far East Express, Global Remit, GmoneyTrans, Instant Cash, JRF, LMI, Lulu International Exchange, Pacific Ace, Panda Remit, PayIt, Remitly, Rocket Remit, SABB, SBI Remit, Sendwave, Siammali Remittance, Singtel Dash, Skrill, Telcoin, TikFX, TNG, Transfer Galaxy, Wall Street Exchange, Warba Bank, WireBarley, Wise, Xoom


Cash-Out Fees or Rates for GCash

  • 2% of cash-out amount - via Over-The-Counter outlets is charged with a withdrawal fee.
  • PHP 10 to PHP 18 - via GCash Mastercard ATM withdrawal. Fees depend on servicing bank.
  • PHP 150 - via GCash Mastercard ATM withdrawal outside the Philippines
  • Variable transaction fees - via third-party outlets


GCash over-the-counter cash-out partners: Cebuana Lhuillier, CVM Pawnshop, DA5, ECPay, ExpressPay, HanepBuhay, Jaro Pawnshop, Panalo Express, PeraHUB, Posible, Puregold, Robinsons, SM Store, Tambunting Pawnshop, TrueMoney, Villarica Pawnshop, VIP Payments Center


GCash Mastercard Rates and Fees 

  • PHP 150 - Buy GCash Mastercard offline
  • PHP 215 - Buy GCash Mastercard online (+ PHP 65 delivery fee)
  • PHP 3 - Balance Inquiry via ATM (in the Philippines)
  • PHP 50 - Balance Inquiry via ATM (international)
  • PHP 10 to PHP 18 - Withdraw money via ATM (in the Philippines)
  • PHP 150 - Withdraw money via ATM (international)
  • Free - Point of Sale (POS) terminals
  • Depending on the payment processor, a small percentage of the total - Online transactions


Rates & Fees for GCash Send Money

  • Free- via Express Send
  • Free -via Send with a Clip
  • Free - via Send Gift (Ang Pao, Pamasko)
  • Free - using Send via QR
  • PHP 15 - via Bank Transfer
  • PHP 5 or 1.5% of the transaction - via GCash Padala


Rates & Fees for Paying Bills with GCash

  • PHP 0 to PHP 60 - Billers with fixed fees
  • 2% of bill amount - Billers with percentage-based fees
  • 0.92% of the bill - GInsure Fee
  • Free - Bayantel
  • Free - BIR
  • Free - Cablelink
  • Free - Cignal 
  • Free (for all registered billers) - Credit cards
  • PHP 7 - Converge ICT
  • Free - Digitel
  • Free - Eastern Telecoms
  • Free - Globe At Home
  • Free - Globe Postpaid
  • Free - Manila Water
  • Free - Maynilad
  • Free - Meralco
  • 10% transaction fee - Meralco Kuryente Load
  • PHP 5 - Pag-IBIG
  • PHP 7 - PLDT (DSL/Fiber)
  • PHP 5 - Prime Water
  • Free - Sky Fiber
  • Free - Sky Cable
  • PHP 7 - Smart Communications
  • Free - SSS

See all GCash-affiliated billers at https://www.gcash.com/partners/billers for a complete list of billers for GCash.


Interest rates and fees for GCredit

  • 3% to 5% - The interest charged for the total credit purchased within the billing period.
  • PHP 200 - Penalty fee for unpaid loan 1-30 days after the due date
  • PHP 500 - Penalty fee for unpaid loan 31-60 days after the due date
  • PHP 900 - Penalty fee for unpaid loan 61-90 days after the due date
  • PHP 1,500 - Penalty fee for unpaid loan 90 days onwards after the due date


Rates of Interest and Penalty Fees for Loans 

  • 3% of the loan - One-time processing fee in addition to the loan amount
  • PHP 100 + 0.15% of the outstanding balance - Late payment
  • 1.59% to 6.57% per month, depending on your eligibility and chosen installment duration - Interest Rate (rate assigned to you based on your GScore)


General Account Fees for GCash

  • Free - Request money
  • Free - KKB (Bill Split Feature)
  • PHP 100 + 0.15% of the principal per day - GGives Penalty Fee
  • PHP 99 - GCash PRO Biz Starter 99 subscription
  • PHP 50 - Dormancy Fee


Note: this information is subject to change, so always visit the GCash website (https://help.gcash.com/hc/en-us/articles/900001636203) for the most recent list of fees. Visit the GCash website (https://www.gcash.com) or call their hotline at 2882 for further information.



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