PESOMAX GCash — Limits, Fees & Settlement
GCash is a Philippine payment rail — regulation: Regulatory oversight comes from Bangko Sentral ng Pilipinas, which licensed it as an Electronic Money Issuer.
| Fact | Value |
|---|---|
| Operator | Globe Fintech Innovations and Ayala Corporation's joint venture Mynt, parent to G-Xchange, Inc. |
| Regulator | Regulatory oversight comes from Bangko Sentral ng Pilipinas, which licensed it as an Electronic Money Issuer |
| Wallet limit | A PHP 100,000 cap applies at the Fully Verified level, measured at any given time. PHP 1,000,000 tops the ladder as GCash Platinum, with GCash Plus underneath at PHP 500,000, Fully Verified at PHP 100,000, GCash Jr at PHP 50,000 and Basic lowest at PHP 10,000 |
| Per-transaction cap | Not published |
| Settlement | wallet-to-wallet and InstaPay move in real time while PESONet moves on the same banking day, both timings belonging to the rail beneath, not to GCash itself |
| Figures as of | 2026-09 |
What comes next covers GCash as a payment method — who runs it, its licensing, and what it publishes on limits and fees.
GCash at a glance
| Field | Value |
|---|---|
| Operated by | Globe Fintech Innovations and Ayala Corporation’s joint venture Mynt, parent to G-Xchange, Inc. |
| Regulated by | Bangko Sentral ng Pilipinas |
| Wallet limit | A PHP 100,000 cap applies at the Fully Verified level, measured at any given time. PHP 1,000,000 tops the ladder as GCash Platinum, with GCash Plus underneath at PHP 500,000, Fully Verified at PHP 100,000, GCash Jr at PHP 50,000 and Basic lowest at PHP 10,000 |
| Per-transaction cap | Not published |
| Settlement | wallet-to-wallet and InstaPay move in real time while PESONet moves on the same banking day, both timings belonging to the rail beneath, not to GCash itself |
| Published fees | Across all OTC channels combined, the first PHP 8,000 of monthly cash-in is free, with 2 per cent charged beyond it and the cycle resetting on the first of the month. InstaPay cash-in fees from a linked bank sit with the bank itself: PHP 15 at BPI, PHP 10 at UnionBank. A flat 1 per cent will replace the current PayPal cash-in charges — 1 per cent below PHP 20,000, a flat PHP 200 above it — starting 7 March 2026, according to GCash. There’s no fee for either a Payoneer cash-in or a remittance claim. For cash-ins starting at PHP 100, Pera Outlet agents apply a 1 per cent fee that the outlet suggests and sets. |
Don’t expect live numbers on this page — everything here dates to 2026-09. Limits and fees change at a payment provider’s discretion with no advance notice, so only that provider’s own page reflects the current numbers.
Verification tiers
- Basic — You can cash in, buy load, scan to pay, or pay bills. There’s no daily cap given, just a PHP 10,000 ceiling on the wallet and PHP 5,000 permitted each way per month
- GCash Jr. — Ages 7 to 17 come with access limited to the Basic feature set. PHP 50,000 caps the wallet, PHP 10,000 caps monthly cash-in, and PHP 10,000 caps daily and monthly cash-out
- Fully Verified — GInsure, the GCash card, and GSave join bank transfer, GLife, GInvest, send money, Borrow, and pay online. The wallet holds up to PHP 100,000, monthly inflow is capped the same at PHP 100,000, and daily outflow at PHP 100,000 carries no monthly restriction
- GCash Plus — Fully Verified users who have linked a bank or investment account qualify here Inbound monthly transactions max out at PHP 500,000, outbound daily ones at PHP 100,000, and the wallet itself at PHP 500,000
- GCash Platinum — Eligible Globe Platinum subscribers only. Monthly in tops out at PHP 1,000,000, daily out at PHP 500,000, monthly out at PHP 1,000,000, and the wallet itself caps at PHP 1,000,000
The published ceiling of A PHP 100,000 cap applies at the Fully Verified level, measured at any given time. PHP 1,000,000 tops the ladder as GCash Platinum, with GCash Plus underneath at PHP 500,000, Fully Verified at PHP 100,000, GCash Jr at PHP 50,000 and Basic lowest at PHP 10,000 applies to the tier stated above, not to every account.
How fast money actually moves
GCash settles wallet-to-wallet and InstaPay move in real time while PESONet moves on the same banking day, both timings belonging to the rail beneath, not to GCash itself. That’s a description of the rail, not the casino — an operator’s own review can hold a withdrawal back before it ever gets to GCash, and that step is usually the real source of any delay.
A per-transaction cap is not published. None is published for this rail.
What GCash says about gambling transactions
No clause in GCash’s own terms and conditions blanket-bans gambling merchants; the closest one instead bars pyramid and Ponzi schemes. Existing restrictions can be traced to regulator action. A 48-hour compliance window, set by BSP Memorandum M-2025-029 on 14 August 2025, required every BSP-supervised institution to strip in-app gambling and gaming links and redirects — GCash pulled its GLife Games top-up and withdrawal feature from 16 August 2025 in response.
GCash’s separate statement covers two things: a zero-tolerance policy toward illegal gambling operators, and the blocking of roughly 3,200 merchants that abused its QR system to redirect users to illegal gambling and scam sites. Restraining illegal-gambling-linked merchants and in-app gaming top-ups is what all of that accomplishes. No confirmation and no denial appears here about GCash being used to fund a licensed casino’s cashier.
Paying with GCash at PESOMAX
- Once you’re signed in at PESOMAX, open the cashier.
- From the payment methods the cashier lists for your account, choose GCash.
- Make sure the name on your PESOMAX account matches the name on your GCash account.
- Give the cashier screen a once-over for the minimum, maximum and any fee, and only then lock in the amount.
Before you make a first deposit with any new method, check the cashier screen — it displays the live limits tied to your account.
FAQ
How do I pay with GCash at PESOMAX?
Log in, head to the cashier, and select GCash from the payment methods listed for your account. Before confirming, make sure the name matches across both accounts and review the limits the cashier displays.
Who regulates GCash?
GCash — regulation: Regulatory oversight comes from Bangko Sentral ng Pilipinas, which licensed it as an Electronic Money Issuer. That covers the rail, not the casino.
Does GCash charge fees?
Published fees: Across all OTC channels combined, the first PHP 8,000 of monthly cash-in is free, with 2 per cent charged beyond it and the cycle resetting on the first of the month. InstaPay cash-in fees from a linked bank sit with the bank itself: PHP 15 at BPI, PHP 10 at UnionBank. A flat 1 per cent will replace the current PayPal cash-in charges — 1 per cent below PHP 20,000, a flat PHP 200 above it — starting 7 March 2026, according to GCash. There's no fee for either a Payoneer cash-in or a remittance claim. For cash-ins starting at PHP 100, Pera Outlet agents apply a 1 per cent fee that the outlet suggests and sets.. Providers revise these without notice.
What is the GCash wallet limit?
A PHP 100,000 cap applies at the Fully Verified level, measured at any given time. PHP 1,000,000 tops the ladder as GCash Platinum, with GCash Plus underneath at PHP 500,000, Fully Verified at PHP 100,000, GCash Jr at PHP 50,000 and Basic lowest at PHP 10,000, at the tier the provider states. Lower tiers carry lower ceilings.
Other payment rails explained here
| Guide | What it covers |
|---|---|
| Maya | Bangko Sentral ng Pilipinas, registered there as an Operator of Payment System and also standing as an Electronic Money Issuer |
| InstaPay | Bangko Sentral ng Pilipinas, which governs it within the National Retail Payment System framework |
| PESONet | Bangko Sentral ng Pilipinas, through the rulebook of its National Retail Payment System framework |
| Debit and Credit Cards | Bangko Sentral ng Pilipinas, citing the Manual of Regulations for Banks ahead of Republic Act No. 10870 and Circular No. 1003 |