How do gcash works

Credit Card. Personal Loan. Personal Finance. Government Services. About Us. Business Hour. Monday - Friday. Facebook Twitter Pin It. How to load Cignal using GCash? Final Thoughts. You might also want to read: How Solenn and Nico Manage Their Finances as a Couple Have you talked with your partner about achieving financial goals in your marriage? If you… Read the Article. Their silliness takes away the stress… Read the Article. If you keep… Read the Article.

Start your… Read the Article. If you have family members who depend on you… Read the Article. Compare the best deals in just one minute! Never miss out on promos and finance tips! Subscribe to the Moneymax newsletter. Top Articles. Guidelines on Selling Your Car. Any person not suffering from any disability or legal impediment may apply for a GCash MasterCard. In the event of any suspension, termination or confiscation of the GCash MasterCard, the GCash Customer agrees to hold GCash and its affiliates, its board of directors, officers and staff free and harmless from any claim, damage, loss, expense, suit or liability whatsoever, arising from such suspension, termination or confiscation.

Moreover, GCash shall not be liable for any failure by GCash Customers to avail of GCash services due to the non-compliance with the application requirements.

No joining fee or annual GCash MasterCard fee is required. Charging of dormancy maintenance fees shall apply to GCash Wallets that have not been used for any monetary GCash transaction at least six 6 months from the last date of transaction. GCash wallets that remain inactive for 6 months and with zero balances shall be automatically closed without further notice. To know more about GCash fees, please visit our Help Center here. On the other hand, there shall be no reversals for transactions made through key-word based commands and erroneous transactions made by the GCash Customer.

All transactions made prior to the report of loss shall continue to be the liability of the GCash Customer. Without limiting the generality of the foregoing, GCash makes no warranty: 1 as to the content, quality or accuracy of data or information provided by GCash hereunder or received or transmitted using the GCash Services; 2 as to any service or product obtained using the GCash Services; 3 that the GCash Services will be uninterrupted or error-free; or 4 that any particular result or information will be obtained.

GCash shall not be liable for any loss, cost, compensation, damage or liability to you or third party arising from, directly or indirectly, or as a result of any or all of the following:. Personal Information is any information from which the identity of an individual can be reasonably and directly ascertained, or when put together with other information would directly and certainly identify an individual.

This data shall be stored in GCash and will not be used for any other purpose. Non-Personal Information is any information that does not identify GCash Customer individually, and includes transactional, statistical, and analytical data, and anonymous and aggregate reports. GCash uses Personal Information to the extent necessary to comply with the requirements of the law and legal process, such as a court order; to comply with a legal obligation; or to prevent imminent harm to public security, safety or order.

You hereby consent to and authorize GCash , its subsidiaries and affiliates such as, but not limited to, Fuse Lending, Inc. The foregoing consents and authorizations shall continue for the duration of, and shall survive the termination of, this Agreement, or any other transactions, dealings, arrangements and accounts which you may have with, or avail from, GCash. Venue of all suits shall either be at Taguig City or at any venue at the exclusive option of GCash.

Should any term or condition in this Agreement be rendered void, illegal or unenforceable in any respect under any law, the validity, legality and enforceability of the remaining terms and conditions shall not be affected or impaired thereby. We are committed to maintaining the highest standards of financial consumer protection.

Your requests, feedback and customer needs are our priority. Cashing out has two main options — one is via the GCash Mastercard, and another is via Partner Outlet, over-the-counter.

But you can also use the Bank Transfers feature in the app to move money out of your GCash wallet. The GCash Mastercard is actually a debit card and it can be used for withdrawal in all ATMs nationwide and also internationally because it uses the Mastercard scheme.

There is a fee of pesos locally per withdrawal. For international ATMs, there is a fee of pesos. What I like about using it internationally is you can get the local currency immediately at a competitive forex rate , as it converts the pesos you have in your GCash account to that currency. The easiest way to get one is by ordering it in-app. You will need to enter your delivery address and other details under the ATM Withdrawal section.

The expected delivery time is around 10 working days. For more details, you can check out my GCash Mastercard how-to post. When cashing out using this option , you will need to go to the supported cash-out outlets below, fill out a form and show a valid ID.

There may be some fees when cashing out with some partners. Once done, you will be able to claim your cash. The downside is the process is very much manual.

Another possible issue is if the outlet has unexpected issues with GCash and they cannot process your request. This option is not officially cash-out since we are technically sending money, but I can consider this as cash-out since we can still move cash via this method. You can then withdraw using your bank ATM.

GCash has implemented Instapay transfers, which makes it easy to transfer to any bank under Bancnet. There is a Php 15 fee for using this service. This is really convenient because you would not need to go to different banks to withdraw and deposit. You can also cash-in using your debit card, then transfer to another bank without fees all within the app.

You can even transfer to your Paymaya, Coins. I can just do it all in the app. The list of billers is quite long and extensively covers all utilities. It handily beats any banking or digital wallet app with the number of billers it supports. Personally, I pay my electric, water bills, phone bills, ISP, landline, credit card, and rent through the app.

Some billers also support payment via GCredit , which helps especially when funds are low. One of the fundamental features of GCash is sending money since we all need to pay people and share what we have as well.

If you made that kind of mistake, GCash Support can only help you if:. GCash Support will also ask for a lot of details regarding the transaction, so best be careful. Remember that an ounce of prevention is worth a pound of cure. This is the bread and butter of GCash. You can send an amount to another GCash user, with the optional message. This message will be included in the SMS notification of the recipient. Send with a Clip formerly SnapMoney is a fancier version of send money, as we can include themes, photos, second videos, or a second recording with our amount.

This is mainly used for special occasions or if we just want to create a different experience with our cash gifts. The red packet or Ang Pao is said to be the Chinese cash gift for special occasions — a token of luck, life, and happiness. During Christmastime, this transforms to Pamasko. Nevertheless, the main practical feature we have for this is the option for multiple recipients of Send Money.

If you need to give multiple people the same amount of money, then this is useful. Sometimes you may also want to randomize the cash amount of your cash gifts between multiple people. You can also generate a personalized QR Code and share it. You can also set an amount for the QR code. Bank Transfers earn another mention here since you can also deposit to all Bancnet partner bank accounts even GrabPay, Paymaya, and Coins.

GCash will be charging Php 15 per transfer. However, if you are a new GCash user, you can only transfer up to Php per day, but as you use Bank Transfer the limit goes up gradually until a limit of Php per day is reached. Receive money allows the recipient to take initiative and ask the sender for the amount instead.

This makes it easier for the sender as they only need to confirm the transaction. This is also useful for those that request money regularly, like allowances. The sender would just need to confirm the transaction and the amount is debited from his balance. KKB or Split Bill allows the recipient to ask for money from a number of people.

As the name implies, this is typically used for splitting checks. However, this can also be applied to any purchase that needs splitting. Basically, this is just Request Money but for multiple senders. Take note though that a lot of scammers use this method to get money from unsuspecting users. You can send money to non GCash users. You need to input the number of the recipient, and the recipient needs to show the SMS and his ID to the GCash partner outlet to be able to claim his money.

Payments are the most recognizable since every GCash merchant usually also has a QR code. In this guide, you'll learn how to load GCash through a channel that is most convenient for you. Register for a GCash account. GCash Registration via the GCash website. GCash Registration via the GCash app.

GCash Registration via Messenger. Verify your GCash account. How to verify your GCash account. Step 1: Prepare 1 valid ID. GCash account verification via the GCash app.

Load your GCash wallet. Start using GCash for your desired transaction. Make purchases online or on-ground. Pay bills. Buy load. Send or transfer money. Withdraw money. Use credit. Never share your GCash personal data with anyone, especially online. Follow or like the official GCash social media pages to get the latest advisories against GCash scams. Tips and Warnings. Frequently Asked Questions.

What is GCredit and how can I use it? How can I increase my GCash credit limit? Can I use GCash with Smart number? How can I cash-in or send money to GCash through 7-Eleven? How do I claim money from GCash? How can I get a GCash Mastercard? Can I use my GCash Mastercard abroad?

How can I withdraw money from GCash Mastercard?