How to Send Money from SBI Remit to GCash: 2025 Guide

If you’re an overseas Filipino worker (OFW) in Japan, you probably want to be able to send money home to your friends and family. Thankfully, you can use remittance services like SBI Remit to add funds directly to your loved ones’ GCash wallets, making transferring money internationally more convenient than ever.

This guide will explain how to transfer funds from SBI Remit to GCash, covering eligibility, fees, transfer times, and step-by-step instructions. 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 SBI Remit to GCash?

Yes, you can send money from SBI Remit to GCash directly. SBI Remit is an international money transfer service known for its affordable transfer fees and favorable exchange rates. You can use it to transfer funds internationally, which recipients can collect through bank deposits, cash pickup at partner outlets, or digital wallets.

This service is particularly useful for Filipinos who prefer the flexibility of GCash, and it eliminates the need for them to travel to a physical branch or remittance outlet to pick up the money you sent.

Eligibility to transfer from SBI Remit to GCash

Before you can transfer funds from SBI Remit to GCash, there are some prerequisites you need to meet:

• Become an SBI Remit member¹
• Hold a Japan residence card²
• Provide a valid email address³
• Maintain a sufficient balance to cover the transfer and any fees
• The recipient must have a fully verified GCash account⁴

How do I register for an SBI Remit membership?

To transfer funds from SBI Remit to GCash, you must be a member. There are two ways you can apply for a free membership: through the SBI Remit app or website.²

If you apply via the website, you’ll need to wait a week for a welcome package to arrive by courier. Then you can log in with your temporary user ID and password and accept the terms and conditions. Once you do, your registration will be complete, and you can start initiating international transfers the next business day.

If you use the app, you can complete the application in 5 minutes and start transferring funds the next business day.

What sending methods does SBI Remit offer?

There are four different ways you can send money from SBI Remit to GCash:

• Online remittance: SBI Remit will create a separate reserve account that you can deposit money into. Then, you can transfer money from that account directly to your recipient’s GCash wallet.⁵
• Remit card: You can request a Remit Card for free for each recipient you want to send money to. You can then use this card at a Japan Post Bank or Lawson ATM to transfer funds to your recipient without having to enter their details every time.⁶
• Furikomi remittance (bank transfer): Similar to a Remit Card, a separate bank account will be set up per recipient. You can then transfer funds to that account, and SBI Remit will send it to your recipient’s GCash wallet.⁷
• Convenience store: You can also initiate transfers directly at a participating convenience store with cash if you don’t have a Japanese bank account.⁸

How to send money from SBI Remit to GCash

Here are step-by-step guides on sending money from SBI Remit to GCash.

Online remittance

1. Deposit money into your Reserve Account via online banking, ATM, or bank counter.
2. Log in to SBI Remit and register the recipient.
3. Then, select New remittance and select the registered recipient.
4. Set the payout as GCash and enter the amount you want to send.
5. Review the fee, exchange rate, and total amount, then select **Confirm.**⁵

Remit Card

1. Register the recipient in SBI Remit and apply for a Remit Card (it’ll take 1-2 weeks to arrive).
2. Take the issued Remit Card to a Japan Post Bank or Lawson Bank ATM.
3. Follow the instructions printed on the card to deposit cash.
4. Then, you’ll receive a reference number in 15 minutes, indicating the remittance is complete.⁶

Furikomi Remittance

1. Register the recipient in SBI Remit and select GCash payout.
2. From your Japanese bank, initiate a furikomi transfer to that designated account.
3. SBI Remit will process the remittance and send it to your recipient’s GCash wallet.⁷

Convenience store

1. In the SBI Remit member portal, select Deposit at convenience store and create the remittance request.
2. You’ll receive a convenience store order number (17 digits), which you can take to the specified convenience store.
3. On the multi-copy machine inside, select SBI Remit from the international remittance menu.
4. Enter the 17-digit number and print out the receipt.
5. Present your receipt and pay at the cash register within 30 minutes of creating the remittance request.
6. Then, you’ll receive a reference number that your recipient can use to receive their funds.⁸

SBI Remit to GCash transfer fee

The SBI Remit to GCash transfer fee varies depending on the amount you send.⁹

There are also deposit fees that vary depending on the method you use.⁹

If you choose an online or furikomi remittance, you may have to pay a bank transfer fee, but that varies by bank.

Unfortunately, there’s no way around these fees. SBI Remit does offer country-specific promotions for lower fees or free transfers, but has not yet offered one for the Philippines.¹⁰

How long does an SBI Remit to GCash transfer take?

One of the main benefits of using SBI Remit is its transfer speed. Most transfers take a minimum of 10 minutes, but this can vary depending on the remittance method.¹¹

• Online remittance: 0-2 business days⁵
• Remit Card: 1-3 business days⁶
• Furikomi remittance: 1-3 business days⁷
• Convenience store remittance: 1-3 business days⁸

What are the transaction limits?

SBI Remit and GCash both impose their own transaction limits:

• SBI Remit: 1 million JPY¹²
• GCash incoming transaction limit: 5,000 to 1,000,000 PHP per month, depending on the type of GCash account your recipient has¹³

Sending money from Japan to the Philippines? Use Wise for instant transfers

Learn more in the step-by-step video guide on how to send money to and from the Philippines with Wise:

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

Sources used:

1. SBI Remit: FAQ (Membership Registration)
2. SBI Remit: Register as a member using the Remit app
3. SBI Remit: FAQ (General Services)
4. SBI Remit: Philippines
5. SBI Remit: Online Remittance
6. SBI Remit: Remit Card
7. SBI Remit: Furikomi Remittance
8. SBI Remit: Convenience store remittance
9. SBI Remit: About fees
10. SBI Remit: Information/Campaigns
11. SBI Remit: FAQ (Time required)
12. SBI Remit: Regarding the change in the setting of remittance limit
13. What are my GCash Wallet and Transaction Limits?