GCash was founded in 2004 and is one of the most trusted virtual wallet brands in the Philippines that allows its users to enjoy countless services. They have over 20 million active users in the country right now with over 63,000 partner stores. This allows their users to make payments – from utilities to groceries to government services with just a few clicks on their mobile phones. They are regulated by the Bangko Sentral ng Pilipinas, which means that they follow the rules and regulations set by Philippine laws.
The GCash app is available for both Android and iPhone users. Any issue that users have on the app, they can directly chat with their customer service representatives through the Help Center or submit a ticket through the website.
The vision of GCash is to build a cashless ecosystem. They have been presented with numerous awards for the last 5 years. In 2019, they were awarded as the Outstanding Partner for Digital Transformation which was given during the BSP’s 16th Awards Ceremony.
Type of Services Offered
GCash has services that are available for both individuals and businesses. For customers, the services are available for the Lifestyle and Financial needs of the users.
Life style Services
Book for Movies
You can book a movie ticket at the comfort of your home and avoid the rush of people lining up in cinemas by using the Gcash App under the Lifestyle Services. This is a hassle-free transaction when buying a ticket through GCash’s partner movie theaters.
To book a ticket, follow these steps:
- Click Book Movie
- Choose your preferred movie theater.
- Select the movie you want to watch
- Pick a seat and your preferred time of viewing.
Running out of data and load balance to make calls and send SMS can be a problem, especially if there are no reloading stations nearby. With Gcash’s Buy Load feature, you can transfer your desired load amount from your Gcash app to your mobile number or even send load for other people.
To send a load for yourself or others:
- Click Buy Load
- Choose the kind of load type to send (Telco Load / Broadband / Lifestyle Load)
- For Telco, choose the provider and enter the mobile number and the amount of load.
- For Broadband, select the broadband network and type of data package.
- For Lifestyle Load, choose the type of service you wish to reload.
- Wait for confirmation that the load transaction was completed.
This service is suitable for gamers who wish to upgrade their gaming status to a higher level or buy additional weapons, or it can also be used as a tool to make their playing character stronger.
Every day, almost 52,000 trees are lost due to different types of unethical practices or because of fortunate events. As a result, our environment has been compromised and continues to deteriorate over the years. With Gcash’s initiative and other environmentalists, they launched GForest as one of the solutions to make our environment livable for future generations by reducing carbon footprint and switching to green activities to reduce waste.
GForest works by gaining energy points through doing different cashless transactions in the GCash app. These are so-called green transactions where you can earn and collect green energy after every transaction. A certain amount of points is needed to convert it and plant a tree.
A new feature of Gcash allows you to shop in different merchant stores in one dashboard. The list of merchant categories includes Financial Service, Food & Drink, Gaming, Health & Wellness, Lifestyle, Retail, Services, and Transport.
To shop at GLife:
- Choose from Gcash’s partner merchants under GLife.
- Select the product and click add to cart.
- Confirm your order and proceed to payment using your Gcash wallet or GCredit.
KKB comes from the Filipino term Kanya Kanyang Bayad. Friends have the option of splitting bills payment. Under KKB, the user can create a request and provide details such as the KKB name, category (activities, entertainment, family, food, friends, gift, shopping, transportation, travel, or utilities), the due date of payment, to split the payment equally or by item, and then add the gcash number of the friend you wish to split the bill with.
Gcash offers a convenient way of paying your bills no matter where you are at any time of the day. The different biller categories are Electric Utilities, Water Utilities, Cable/Internet, Telecoms, Credit Cards, Loans, Government, Insurance, Transportation, Real Estate, Healthcare, Schools, Payment Solutions, and others.
To start paying for your bills:
- Choose the name of the Biller under Biller Categories
- Enter the required details
- Review and Confirm your payment. An email or SMS will be sent after a successful payment process has been made.
One of the fastest ways for paying cashless transactions is through QR Code payment. QR means ‘Quick Response’, made of a matrix barcode where you scan a specific QR code of your chosen merchant store and will be immediately redirected to its Payment interface. You can scan the QR code, upload the QR code stored to your device, or generate your QR code.
Suppose you need immediate access to cash or have an emergency that needs to be addressed right away. In that case, Request Money is one of the fastest ways to gather the money you need by asking for someone’s help by sending them a request to provide you the amount of money you need.
Are you planning to send cash gifts to multiple recipients? It is possible with the help of this Send Gift feature. With a minimum of 2 and a maximum of 10 recipients, you can send cash gifts in just one transaction; just key in the required details like the number of the beneficiary, amount, optional message, and their names or mobile number.
This is a type of digital transfer of money with an option to send to another Gcash app user or a selected partner bank with a minimal service charge. For GCash transfers, the transfer is normally free but for bank transfers, the fee is usually at Php15.
Send To Another GCash App User
- Click Send money and select Express Send
- Enter the required details and press send.
An additional feature of sending money is to attach photos, videos or voice recordings using Send money with a Clip. An SMS will be sent right after a successful transaction.
Send To A Selected Bank Partner
- Click Bank Transfer
- Select the chosen Bank
- Enter the required details and click on Send money.
A ‘Pera Padala’ service allows you to send money even to non-Gcash App users anywhere in the country. You can use this service with rates that are as low as a 1% Padala fee. Moreover, you will only need 1 Valid ID for verification purposes so that you can send money to your loved ones through over 2,000 partner pera padala outlets nationwide.
A Buy Now Pay Later financial service of Gcash that grants its user to pay on an installment basis. It is subjected to approval based on your GScore (Credit Score) at no additional interest rates, flexible payment terms of 3, 6, or 12 months and a maximum purchased product of Php25,000.
GCash offers its users comprehensive insurance products of Life, Personal Accident, and Daily Hospital Income insurance. Buying Insurance is made easy – with just an SMS away, you can avail certain insurance products at GInsure.
Insurance Product Monthly Premium: Php32 to Php1,320
- A Fully Verified (KYC) User.
- Within the age of 18 to 64 years old.
Who Can Be Qualified as Dependents?
They may nominate the following dependents:
- A legal spouse who is not older than 64 years of age.
- Children who are 3 to 21 years old.
They may nominate the following dependents:
- Parents who are not older than 64 years of age.
- Siblings who are between 3 to 21 years old.
If applicable, proof of relationship is required with the nominated dependents, such as a Birth Certificate or Marriage Certificate.
This is an opportunity to do business with Gcash. Users can apply to be a Gcash Partner Outlet with limited GCash services such as Cash In, Cash Out, Bayad Bills, and Claim Padala. You can earn up to Php10,000 monthly with the privilege of getting a wallet limit up to Php500,000. In addition, you will earn a bonus of Php5 for every Php1,000 transaction, free cash in form from your agent, and free signage for your store.
To Apply for a GCash PO, you must meet the following criteria:
- Fully verified GCash Account
- Possess any of the following permits:
- DTI Permit
- Barangay Business Permit
- Mayor’s Permit
GCredit is a personal revolving credit line that you can use in purchasing products from your favorite shopping store or any other partner merchant store of GCash. With the maximum amount of Php10,000 credit line and an interest rate as low as 1%, you can enjoy shopping online, paying for bills, and all other approved transactions of GCash.
With your short-term financing needs and the need for immediate cash for personal or business purposes, GLoans is here to back you up. There are no additional requirements needed and offers low and easy payment terms.
- Loan Amount: Php5,000 to Php 25,000
- Interest rate: 1% to 4%
- Processing fee: 3% of Principal Amount
- Loan Term: 9 to 12 months
For those who wish to be financially secure, one of the best ways is to invest as early as today! With Gcash’s Invest Money service, you can start and open an investment account for as low as Php50.00 and choose your own investment fund. There are no additional requirements, no commission or sales fee. Gcash is partnered with ATRAM Group, one of the leading asset management companies in the Philippines.
Why Choose GCash?
GCash is a well established brand in the market and has developed a relationship of trust and reliability with its users. For those who have not yet signed up with GCash, here are the reasons to choose GCash:
Payments and transfers done from the GCash app are done in real-time. This means that when bills and purchases are paid, the posting is done in real-time. The same is true of bank transfers and for cashing in. Unless there are system outages, the processing of payments is very quick.
They Have Over 63,000 Partner Stores
Having a lot of partner stores makes it easier for users to complete all their transactions within the GCash app. This partnership with merchants helps GCash users to organize their monthly payments, even allowing reminders for recurring bills so that the user does not miss any payments for the month.
Multiple Service Options to Choose From
GCash offers services that range from bills payment to bank transfers to payment of insurance, sending gifts to families or friends, purchasing products and services from partner merchants to making investments. It is all that a person needs in one e-wallet app.
Multiple Cash In Options
Those who are unbanked need not worry about tapping up their GCash wallets because they can do so through any payment centers, convenience stores, GCash Partner Outlets, and even in pawn shops.
A Trusted Brand
With almost two decades of providing seamless and convenient digital payment solutions to Filipinos, GCash has become, in many ways, the e-wallet choice of many Filipinos due to the security that they provide for their customers and the easy way of transacting through their e-wallet app.
How to Sign Up
To enjoy Gcash’s various services, here is a quick guide on how to download and register to Gcash. Download Gcash App at Play Store for Android users, Apple Store for iPhone users:
Upon installation, you will be asked to key in your mobile number. A 6-digit authentication code will be sent to your number which you have to input in the GCash app and then click Submit.
Register and key in the required details such as your basic personal information and click on Next.
Enter your desired PIN. After successfully setting up your PIN, you can now proceed to the Log-in interface to start and experience the Gcash services.
Frequently asked questions
How can I create a GCash account?
You can register through any of the following:
- GCash App
- *143# (USSD) for Globe/TM subscribers
Can I register a non-Globe mobile number?
Yes, you can. All networks can enjoy all the GCash services, such as Buy Load, Send Money, Pay Bills, and more.
All users whether Globe, Smart, SUN, or Talk N Text, must also go through the verification process for them to enjoy the full range of GCash services.
Is there a fee to cash in or cash out?
Cash In via Online Banking
Cashing in has no fees for the following cash-in channels:
You can also cash in from your preferred bank’s website or app using InstaPay.
Gcash’s partner banks using InstaPay may incur service fees that vary per bank. To know more about your preferred bank’s service fee check here.
Over-the-Counter Cash In
Cashing in is free in all over-the-counter outlets until you reach a monthly threshold of Php 8,000. After getting this limit, a service fee of 2% will apply each time you cash in. The fee will be deducted automatically from the amount you cashed into your GCash wallet.
I cashed in, but I entered the wrong number. What should I do?
Note that based on GCash’s policy, wrong cash-in reversal requests will not be accommodated if the receiver is not a GCash user, or if only one digit is wrong and the wrong receiver has not used or withdrawn the money.
Submit a ticket for reversal requests and include the following details:
- GCash Mobile Number
- Correct Recipient Number
- Wrong Recipient Number
- Date and Time of Transaction
- Transaction ID
- Picture of Receipt (if applicable)
A GCash representative will get back to you within 24 business hours after you have sent your inquiry.
GCash has made true its vision to create a cashless ecosystem in the Philippines. Although not everyone is thrilled to have a digital version of their wallets, they have undeniably made the life of Filipinos convenient and easy. Now people can focus more on productive activities and spend more time with their families rather than spending a lot of their time taking care of bill payments, traveling to pay their bills, and other financial transactions.