PH90 GCash — Limits, Fees & Settlement

This page covers GCash the payment rail. Anything tied to one operator’s cashier has been left out on purpose, and the last section says why.

GCash at a glance

Field	Value
Operated by	G-Xchange, Inc., part of Mynt — the joint venture between Globe Fintech Innovations and Ayala Corporation
Regulated by	Bangko Sentral ng Pilipinas
Wallet limit	PHP 100,000 for a Fully Verified account, measured at any one moment. Climbing the ladder means PHP 10,000 on Basic, then PHP 50,000 once GCash Jr applies, PHP 100,000 at Fully Verified, PHP 500,000 under GCash Plus and finally PHP 1,000,000 on GCash Platinum
Per-transaction cap	Not published
Settlement	real time on wallet-to-wallet and InstaPay transfers, same banking day on PESONet — in both cases a property of the underlying rail rather than of GCash
Published fees	Across all OTC channels together, cash-in costs nothing up to PHP 8,000 a month and 2 per cent above that, with the count resetting on the first of each month. The bank sets the charge on linked-bank cash-in over InstaPay — UnionBank PHP 10, BPI PHP 15. Below PHP 20,000 a PayPal cash-in costs 1 per cent, and at or above it a flat PHP 200, though GCash states this turns into a flat 1 per cent from 7 March 2026. No charge applies to remittance claims or to cash-in via Payoneer. On a cash-in of at least PHP 100, Pera Outlet agents apply a suggested 1 per cent that the outlet itself sets

These figures were recorded in 2026-09 and describe that moment. Payment providers change limits and fees without warning, so their own page is the only current record.

Verification tiers

• Basic — Cash in, scan to pay, buy load, settle bills. A wallet ceiling of PHP 10,000, monthly movement of PHP 5,000 in and PHP 5,000 out, and nothing stated for a daily cap
• GCash Jr. — Aimed at 7 to 17 year olds, carrying the Basic feature set. A wallet ceiling of PHP 50,000, PHP 10,000 in each month, and PHP 10,000 out both daily and monthly
• Fully Verified — Brings in bank transfer, send money, pay online, the GCash card, GSave, Borrow, GInvest, GInsure and GLife. A wallet ceiling of PHP 100,000, PHP 100,000 in each month, and PHP 100,000 out each day against no monthly cap
• GCash Plus — Available where a user is Fully Verified and has linked a bank or investment account. A wallet ceiling of PHP 500,000, PHP 500,000 in each month, and PHP 100,000 out each day
• GCash Platinum — Eligible Globe Platinum subscribers only. A wallet ceiling of PHP 1,000,000, PHP 1,000,000 in each month, and outbound limits of PHP 500,000 daily and PHP 1,000,000 monthly

The published ceiling of PHP 100,000 for a Fully Verified account, measured at any one moment. Climbing the ladder means PHP 10,000 on Basic, then PHP 50,000 once GCash Jr applies, PHP 100,000 at Fully Verified, PHP 500,000 under GCash Plus and finally PHP 1,000,000 on GCash Platinum applies to the tier stated above, not to every account.

How fast money actually moves

GCash settles real time on wallet-to-wallet and InstaPay transfers, same banking day on PESONet — in both cases a property of the underlying rail rather than of GCash. The rail is what that describes, not the casino: a withdrawal can sit under an operator’s own review long before GCash sees it, and that review is usually where the waiting comes from.

A per-transaction cap is not published. None is published for this rail.

What GCash says about gambling transactions

Nowhere in GCash’s terms and conditions is there a blanket ban on gambling merchants; the closest general clause rules out pyramid and Ponzi schemes. Whatever restrictions apply have come from the regulator. Dated 14 August 2025, BSP Memorandum M-2025-029 gave every BSP-supervised institution 48 hours to strip out in-app links and redirects to gambling and gaming sites, and from 16 August 2025 GCash pulled the GLife Games top-up and withdrawal feature.

A zero-tolerance stance toward illegal gambling operators is stated separately by GCash, which has reported blocking roughly 3,200 merchants for abusing its QR system to push users toward illegal gambling and scam sites. Taken together it holds back in-app gaming top-ups and merchants tied to illegal gambling. Nowhere in any of it does GCash say its wallet may be used to fund a licensed casino’s cashier, and nowhere does it say the opposite.

Paying with GCash at PH90

1. Sign in at PH90 and open the cashier.
2. Pick GCash from the payment methods the cashier lists for your account.
3. Make sure the name on your PH90 account matches the name on your GCash account.
4. Read the minimum, the maximum and any fee off the cashier screen, then confirm.

The cashier shows the limits that actually apply to you, which is why a new method is worth checking there first.