GCash Cash In Fees: A guide to fees, limits and free methods in 2025

GCash is a mobile wallet and financial app that Filipinos can use to manage transactions such as sending and receiving money, paying bills, shopping online or in stores, and even investing. However, to complete most of these transactions, you need to cash in, which means adding money to your GCash wallet.

This article will help you understand the different cash-in methods, GCash cash-in fees and limits for 2025, and how to avoid paying a GCash cash-in fee. We'll also introduce the Wise account, a handy companion to make your money go further with low, transparent fees.

What are the GCash cash-in fees?

There are several ways to cash in to GCash, both online and over-the-counter, but each method comes with its own fees and limits.

Here’s a look at each one:

Cash in fees for over-the-counter

You can visit one of GCash’s partners to cash in over the counter and save on fees, as the first 8,000 PHP you cash in offline each month is free. On any amount after that, you’ll have to pay a GCash cash-in fee of 2%. Your free cash-in limit resets on the first day of each month. This applies to partners such as Palawan and ECPay.

To understand the monthly 8,000 PHP free cash-in limit, which resets at the beginning of every calendar month, here’s how it works:

That being said, some partners charge their own fees, such as:

• The GCash cash-in fee in 7-11 is 1%⁸
• The Cebuana GCash cash-in fee varies per branch⁸

Check out the GCash website for a full list of their partners to find out where else you can cash in.

Cash in fees for linked bank accounts and online banking

GCash is partnered with over 40 banks, allowing you to cash in via linked bank accounts and online banking apps. If you connect your bank account to GCash, you can easily transfer money from that bank directly on the GCash app.

If you’d rather use your bank’s app or website, you can still transfer funds to your GCash account with InstaPay or PESONet. With InstaPay, you’ll receive your funds in real-time, but processing times for PESONet change depending on the time you cash in.

Banks can set their own cash in GCash fees, typically ranging from 5–25 PHP, so be sure to check with your financial institution before cashing in. If you’re with BPI and UnionBank, you’ll only have to pay a GCash cash in fee of 5 PHP per transaction.

How to cash in GCash: Step-by-step

Choose the most convenient method for you from the detailed guides below.

How to cash in via over-the-counter partners

1. Visit any partner outlet, like 7-Eleven or Alfamart.¹⁰
2. Tell the cashier you want to cash in to your GCash wallet.
3. Provide your linked mobile number.
4. Give the cashier the cash amount you want to add.
5. Wait for confirmation via text or app notification.

How to cash in via bank

1. Open your GCash app and tap Cash In.¹¹
2. Select Local Banks.
3. Under Partner Banks, select your linked bank.
4. Enter the amount you want to cash in.
5. Confirm the transaction.

How to cash in via online bank transfer

1. Log in to your bank’s online banking app or website.¹²
2. Go to the Money Transfer service and select Transfer to Other Banks via InstaPay or PESONet.
3. Select GCash as the destination bank.
4. Enter your GCash registered number as the account number and the amount you want to transfer.
5. Review the details and confirm.
6. Enter the one-time password (OTP) you received via text or email.
7. Tap confirm, then OK, and you’ll receive a text confirming your transaction.

The steps are similar for most banks. For a specific example, check out our guide on transferring from Chinabank to GCash.

How to cash in via PayPal

1. Open your GCash app and tap Cash In.¹³
2. Under the Global Banks and Partners tab, select PayPal.
3. Enter the amount you want to cash in.
4. Tap next and then confirm the cash in amount.
5. PayPal cash-ins can take 24–48 hours, but you’ll get a notification in your GCash app once the funds are added.

How to cash in via Payoneer

1. Open your GCash app and tap Cash In.¹⁴
2. Under the Global Banks and Partners tab, select Payoneer.
3. Enter the amount you want to cash in (maximum (500,000 PHP).
4. Review your details and then tap Confirm.
5. Enter the OTP sent via text, and your cash-in will be processed in 5 minutes.

How to cash in via international remittance

1. Open the GCash app and tap Cash In.¹⁵
2. Under the Global Bank and Partners tab, select Remittance Partners.
3. Search for and choose your preferred remittance partner.
4. Enter the expected amount, reference number, and purpose of remittance.
5. Tap Proceed and review the details before tapping Next.
6. Enter the 6-digit authentication code you received via text.
7. Ensure you see the confirmation page, and your funds will be added in real-time.

How to cash in GCash without fee

One of the best ways to add money to your GCash wallet without paying any cash in GCash fees is by using remittance services. GCash partners with various international remittance companies, such as Wise, so users can receive money from abroad directly into their GCash wallets with no GCash cash in fee. This is especially helpful for Filipinos who are overseas and want to send funds back home.

If you want to avoid paying a GCash cash in fee, create your Wise account and learn how to cash in to GCash without fees to maximize your deposits.

Use Wise to receive money from abroad and convert to PHP for remittance, spending, or to cash in GCash

Avoid an unnecessary GCash cash in fee and keep more of your money where it belongs with Wise.

Ang pagpapadala ng pera abroad sa Wise ay madaling i-set up online o sa Wise app, with low fees na nagsisimula sa 0.57%. Gamit din ang mid-market rate, papunta sa mahigit 140+ na bansa. Walang patong idinagdag sa exchange rate na ginagamit para i-convert ang pera mo, kaya mas madali mong makikita kung magkano talaga ang binabayaran mo kada transfer, at kung ano ang matatanggap ng recipient.

Para mas madali ang pagpapadala, gumawa lang ng libreng Wise account. Mae-enjoy mo nang i-manage at i-convert and pera mo sa PHP at sa 40+ pang currencies. Makukuha mo rin ang sulit na exchange rate at masusubaybayan mo din ang transfers sa account mo. Pwede ka ring makakuha ng 8+ local account details para makatanggap ng pera sa PHP, USD, GBP, at marami pang iba.

🚀 Magsimula sa Wise