Complete List of GCash Transaction Fees & Charges

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In this guide, you will learn all the possible fees may occur by using your GCash account.

Below is the list of fees you may experience per service:

Cash in

via linked bank account in the GCash app (BPI and Unionbank) - FREE
via bank's mobile banking app. Fees depend on bank partners - ₱0 to ₱50
via remittance in the GCash app (Moneygram, WU) - FREE
via Over-The-Counter outlets will have a fee once users exceed the monthly free limit of Php8,000. View fee breakdowns here - 2%

Cash out

via Over-The-Counter outlets is charged with a withdrawal fee - 2%
via ATM withdrawal fee *as charged by banks servicing the ATMs - ₱10 to ₱18
via ATM Withdrawal fee (International) - ₱150

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Coin banks
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Money organizer

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GCash Mastercard

Offline Card Purchase - ₱150
Online Card Purchase - ₱215

GCredit

The interest charged for the total credit purchased within the billing period - 3-5%
Penalty fee for users who have not paid their total amount due 1-30 days after its due date - ₱200
Penalty fee for users who have not paid their total amount due 31-60 days after its due date - ₱500
Penalty fee for users who have not paid their total amount due 61-90 days after its due date - ₱900
Penalty fee for users who have not paid their total amount due 90 days onwards after its due date - ₱1500

GLoan

One-time processing fee in addition to the loan amount - 3%
Late GLoan payments will incur a fixed fee of ₱100, and an additional 0.15% of the principal outstanding balance (charged daily) - ₱100 + 0.15% outstanding balance

Pay Bills

Billers with fixed fees

*Please refer to app for actual fees per biller ₱0 to ₱60

Billers with percentage-based fees

*Please refer to app for actual fees per biller 2%

READ: List of GCash Over-the-Counter Cash-in Partners (and How to Cash-in)

Send Money

via Express Send - FREE
via Bank Transfer *Fees effective starting November 1, 2020 - ₱15
via Send with a Clip - FREE
via Ang Pao - FREE
via GCash Padala - ₱5 or 1.5%

Request Money

via Request Money or KKB - FREE

General Account

Balance Inquiry via ATM - ₱3
Balance Inquiry via ATM (International) - ₱50
Dormancy fee - ₱50
GCash PRO Biz Starter 99 (details on GCash.com) - ₱99

Acknowledgement: This article is sponsored by Usapang Hanapbuhay.

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