How to send money from GCash to Wise: 2025 Guide

GCash has become one of the most popular e-wallets in the Philippines, making it easy for users to handle everyday domestic payments, bills, and transfers. Its services are mostly limited within the country, though, which is where Wise, a leading platform for low-cost international transfers and overseas investments, becomes the ideal partner.

This article explains how to send money from GCash to Wise, covering eligibility requirements, timelines, limits, and fees. We'll also introduce the Wise account, a handy companion to make your money go further with low, transparent fees.

Can you send money from GCash to a Wise account?

Yes, you can send money from GCash to Wise. The easiest way is to use the GCash Bank Transfer feature and send money directly to your Wise PHP account using the local account details Wise provides. This option is currently only available in the Philippines.

You can also fund your Wise account with your GCash debit card, but this method usually has higher fees.

Eligibility to transfer money from GCash to Wise

Before you can learn how to transfer GCash to Wise, you must ensure you have or meet the following prerequisites:

• A fully verified GCash and Wise account²
• A government-issued ID
• A Filipino SIM (international SIMs are only accepted for Filipinos abroad)¹
• Be at least 18 years old or above 6 years old with parental consent³
• A local bank account that GCash partners with, like BPI or UnionBank⁴
• Enough funds in your GCash wallet to cover the transfer and any fees

How do I verify my GCash and Wise accounts?

Before you can send money from GCash to Wise, you must ensure both accounts are verified.

Here’s how to verify a GCash account if you’re a Filipino citizen above the age of 18 with a Filipino SIM¹²:

1. Log in to your GCash app and select Profile.
2. Select Verify Now, then Get Started.
3. Read through all of the requirements and select Next.
4. Enter the 6-digit authentication code sent to your registered mobile number.
5. Input your birthday and confirm whether you’re a Filipino citizen.
6. Select the government ID you want to submit, then scan it.
7. Take a selfie scan.
8. Review your information and select Submit.

How to verify your Wise account ¹³:

1. Log in to your Wise account via the app or website.
2. Select Settings, then Verification.
3. Complete a live ID and “selfie” verification.
4. Upload a proof of address document, such as a utility bill or bank statement.

How to send money from GCash to Wise: Step-by-step

If you want to know how to send money from GCash to Wise, follow these steps⁵:

1. Log in to your GCash app and ensure you have sufficient funds.
2. Select Bank Transfer, then Local.
3. Search for Wise Pilipinas, Inc.
4. Enter the amount you want to send, the account name, and the account number.

   You can find your account number by logging into your Wise account and selecting PHP from your available currencies or selecting ‘Add another currency to your account’ if you don’t have PHP yet. Once your PHP balance is open, you’ll see your account number right at the top.

5. Select Send Money.
6. Review the transfer details, then select Confirm.

Alternative: Using your GCash debit card

While the direct bank transfer to your Wise PHP balance is the recommended and cheapest option, you can also fund your Wise account using a linked GCash debit card. This method is generally more expensive and Wise charges a variable fee for funding your account with a debit or credit card. This fee will be clearly shown before you confirm the transaction.

GCash to Wise transfer fee

Sending money from the GCash app directly to your Wise PHP balance via Bank Transfer (InstaPay) incurs a GCash fee of only PHP 15 per transaction⁷. Wise does not charge a fee for receiving domestic bank transfers to your PHP balance⁸.

How long does a GCash to Wise transfer take?

GCash to Wise transfers are usually processed instantly using Instapay, but it can sometimes take up to 2 hours for your funds to arrive.⁹ Delays can be due to system timeouts, maintenance, or errors like inputting the wrong account number.

If you haven’t received your transfer after 2 hours, log in to your GCash account and check your Transaction History for error messages. If there’s no error, you can submit a ticket to GCash about your missing funds.

What are the transaction limits?

All financial institutions set their own transaction limits to prevent fraud. They are:

• GCash limits: 100,000 to 500,000 PHP daily, depending on the type of account you have¹⁰
• Bank limits: Each bank has its own daily transfer limit, typically ranging from 50,000 to 250,000 PHP
• Wise limits: Wise has a high incoming limit of 10 million PHP per month¹¹

Make foreign currency transfers, receive payments from abroad and convert to PHP cheaper and easier with the Wise account

Now that you know how to fund your PHP balance, see what you can do with the Wise account.

Wise international money transfers can be set up online or within the Wise app with low fees from 0.57% and the mid-market rate, to over 140+ countries. There’s no markup added to the exchange rate that’s used to convert your currency, which makes it easier to see exactly what you're paying for a transfer, and what the recipient will get in the end. Just transfer the amount indicated in PHP and let Wise do the rest.

To make sending foreign currency even easier, create a free Wise account, and you'll be able to manage and convert your money in PHP and 40+ other currencies. You'll get the same great rates, and be able to track your transfers all from one place. You can also get 8+ local account details to be able to receive money in PHP, USD, GBP, and more.

🚀 Get started with Wise

1. Accepted IDs for GCash Verification
2. What are the features for Basic and Fully Verified GCash accounts?
3. GCash terms and conditions
4. GCash Bank Transfer
5. How do I transfer money to a bank/e-wallet from my GCash account?
6. Wise: How do I open account details to receive money?
7. GCash Fees
8. Receive money with Wise for free
9. GCash: Get help with Cash In
10. What are my GCash Wallet and Transaction Limits?
11. Limits for your Wise Account in the Philippines
12. What are the steps to get a fully verified GCash account?
13. Wise: Guide to getting verified