GCash Rates in 2023: Transaction Fees, Interest, Charges

Knowing the GCash rates for 2023 is very important when you do a transaction using the e-wallet app, as you'll be aware of the extra fees it will require.

GCash is a Philippine mobile wallet service that lets you send money, pay bills, transfer funds, shop online and in-store, and even borrow money.

See also:

• How to Use GCash: Cash In, Buy Load, Pay Bills, and more
• How to Fully Verify Your GCash Account (Step-by-Step Guide)
• How to Get GCash Mastercard (Order Online via GCash App)
• How to Transfer Money From PayPal to GCash

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.

When transacting using GCash, you will encounter various fees. Below is the list of GCash rates in 2023, especially for transaction fees, interest, and charges of different services.

GCash Cash-In Fees or Rates

GCash Cash-In	Fee Amount
via linked bank account in the GCash app (BPI and Unionbank)	PHP 5
via remittance in the GCash app (Western Union, Moneygram, and other remittance partners)	FREE
via PayPal linked in the GCash app	FREE
via Payoneer linked in the GCash app	2% of cash-in amount
via Over-The-Counter outlets below the monthly free cash-in limit of PHP 8,000	FREE
via Over-The-Counter outlets above the monthly free cash-in limit of PHP 8,000	2% of cash-in amount
via bank's mobile banking app. Fees depend on bank partners.	PHP 0 to PHP 50
via Global Partners and Remittance	Variable transaction fees
via BSP Coin Deposit Machine (CoDM)	PHP 0.00 (FREE)
via Sari-Sari Store / GCash Pera Outlet	1% of cash-in amount

GCash partner banks: AUB, Bank of China, Bank of Commerce, BDO, BPI, China Bank, EastWest Bank, HSBC, 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, Fastpay International Ltd, Global Remit, GmoneyTrans, Instant Cash, JRF, Kabayan Remittance, LBC USA, LMI, Lulu International Exchange, Pacific Ace, Panda Remit, PayIt, Remitly, Rocket Remit, SABB, SBI Remit, Sender Money Transfer, Sendwave, Siammali Remittance, Singtel Dash, Skrill, Telcoin, TikFX, TNG, Transfer Galaxy, Wall Street Exchange, Warba Bank, WireBarley, Wise, Xoom

GCash Cash-Out Fees or Rates

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

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 Card Rates and Fees

GCash Visa Card Transaction	Fee Amount
Buy GCash Card offline	PHP 185
Buy GCash Card online (+ PHP 65 delivery fee)	PHP 250
Balance Inquiry via ATM (in the Philippines)	PHP 0 to PHP 2.50
Balance Inquiry via ATM (international)	PHP 50
Withdraw money via ATM (in the Philippines)	PHP 10 to PHP 18
Withdraw money via ATM (international)	PHP 150
Point of Sale (POS) terminals	FREE
Online transactions	Depending on the payment processor, a small percentage of the total

GCash Send Money Rates and Fees

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

GCash Bills Payment Rates and Fees

GCash Bills Payment Transaction	Fee Amount
Billers with fixed fees	PHP 0 to PHP 60
Billers with percentage-based fees	2% of bill amount
GInsure Fee	0.92% of the bill
Bayantel	FREE
BIR	FREE
Cablelink	PHP 10
Cignal	FREE
Credit cards	FREE (for all registered billers)
Converge ICT	PHP 10
Eastern Telecoms	FREE
Globe At Home	FREE
Globe Postpaid	FREE
GSAT	FREE
Manila Water	FREE
Maynilad	FREE
Meralco	FREE
Meralco Kuryente Load	10% transaction fee
Pag-IBIG	PHP 5
PLDT (DSL/Fiber)	PHP 7
Prime Water	PHP 5
Sky Fiber	FREE
Sky Cable	FREE
Smart Communications	PHP 7
SSS	PHP 8

For a full list of billers for GCash, see all GCash-affiliated billers at https://www.gcash.com/partners/billers.

GCash Load Top-Up Fees

Product	Fee Amount
Smart/TNT regular load	2% of the load amount
Smart/TNT promo load worth Php 100 and below	PHP 1
Smart/TNT promo load worth above Php 100	PHP 2

GCredit Interest Rates and Penalty Fees

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

GLoan Interest Rates and Penalty Fees

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

GCash General Account Fees

Other GCash-Related Transaction Fees	Fee Amount
Request money	FREE
KKB (Bill Split Feature)	FREE
GGives Penalty Fee	PHP 100 + 0.15% of the principal per day
GCash PRO Biz Starter 99 subscription	PHP 99
Dormancy Fee	PHP 50

Do note that this information may change, so be sure to always check the GCash website for the updated list of fees (https://help.gcash.com/hc/en-us/articles/360017595774-Cash-in-fees). For more questions and details, you can visit the GCash website (https://www.gcash.com) or call their hotline at 2882.