PH22 GCash — Limits, Fees & Settlement
GCash is a Philippine payment rail — regulation: Bangko Sentral ng Pilipinas holds the licensing role, and the licence category is Electronic Money Issuer.
Key facts and contents
- Operator
- G-Xchange, Inc., a Mynt company that is a joint venture between Globe Fintech Innovations and Ayala Corporation
- Regulator
- Bangko Sentral ng Pilipinas holds the licensing role, and the licence category is Electronic Money Issuer
- Wallet limit
- A PHP 100,000 limit applies at Fully Verified, measured at any given time. In one line the full ladder is Basic at a limit of PHP 10,000
- Per-transaction cap
- Not published
- Settlement
- instantly for wallet-to-wallet and InstaPay transfers, and by the end of the banking day for PESONet, which reflects the rail beneath and not GCash
- Figures as of
- 2026-09
GCash is a Philippine payment rail; this page looks at the rail itself, covering its limits, settlement behaviour and published fees, and does not look at any casino’s cashier.
GCash at a glance
| Field | Value |
|---|---|
| Operated by | G-Xchange, Inc., a Mynt company that is a joint venture between Globe Fintech Innovations and Ayala Corporation |
| Regulated by | Bangko Sentral ng Pilipinas |
| Wallet limit | A PHP 100,000 limit applies at Fully Verified, measured at any given time. In one line the full ladder is Basic at a limit of PHP 10,000; GCash Jr, PHP 50,000; Fully Verified, PHP 100,000; GCash Plus, PHP 500,000; and GCash Platinum, PHP 1,000,000. |
| Per-transaction cap | Not published |
| Settlement | instantly for wallet-to-wallet and InstaPay transfers, and by the end of the banking day for PESONet, which reflects the rail beneath and not GCash |
| Published fees | Cash-in over the counter costs nothing up to PHP 8,000 per month across all OTC channels combined; the excess is charged at 2 per cent, and the allowance resets on the first of each month. The bank sets the charge for linked-bank cash-in via InstaPay: PHP 15 at BPI and PHP 10 at UnionBank. GCash states that from 7 March 2026 the PayPal cash-in charge becomes a flat 1 per cent; until then it is 1 per cent below PHP 20,000 and a flat PHP 200 at or above it. Claims for cash-in and remittance through Payoneer are free. A suggested 1 per cent, set by the outlet, is what Pera Outlet agents charge on a minimum PHP 100 cash-in |
The numbers here come from a single moment, 2026-09, when they were recorded. Limits and fees at payment providers can change without notice, and the provider’s own page is the only current source for them.
Verification tiers
- Basic — Pay bills and buy load, or cash in and scan to pay. A wallet ceiling of PHP 10,000, with PHP 5,000 in and PHP 5,000 out each month and no stated daily cap
- GCash Jr. — Aimed at users aged 7 to 17 and carrying the Basic feature set. A wallet ceiling of PHP 50,000, with PHP 10,000 in per month and PHP 10,000 out per day and per month
- Fully Verified — The GCash card, pay online and bank transfer are among the additions, alongside GLife, Borrow, send money, GInsure, GSave and GInvest. Wallet ceiling of PHP 100,000, with PHP 100,000 in per month and PHP 100,000 out per day, and no monthly cap
- GCash Plus — Available to Fully Verified users who have a linked bank or investment account. Wallet ceiling of PHP 500,000, monthly inflow of PHP 500,000, and daily outflow of PHP 100,000
- GCash Platinum — Eligible Globe Platinum subscribers only. A PHP 1,000,000 wallet ceiling, PHP 1,000,000 in monthly, PHP 500,000 out daily and PHP 1,000,000 monthly
The published ceiling of A PHP 100,000 limit applies at Fully Verified, measured at any given time. In one line the full ladder is Basic at a limit of PHP 10,000; GCash Jr, PHP 50,000; Fully Verified, PHP 100,000; GCash Plus, PHP 500,000; and GCash Platinum, PHP 1,000,000. applies to the tier stated above, not to every account.
What GCash says about gambling transactions
No blanket ban on gambling merchants appears in GCash’s own terms and conditions; the nearest general clause bars pyramid and Ponzi schemes. Regulators drive the restrictions that do exist. Following BSP Memorandum M-2025-029, dated 14 August 2025, which ordered every BSP-supervised institution to remove in-app links and redirects to gambling and gaming sites within 48 hours, GCash withdrew the GLife Games top-up and withdrawal feature with effect from 16 August 2025.
GCash has a stated zero-tolerance policy toward illegal gambling operators, and it reports that it blocked roughly 3,200 merchants abusing its QR system to send users to illegal gambling and scam sites. The result of all that is a check on merchants connected to illegal gambling and on in-app gaming top-ups. Nothing here states that GCash may be used to fund a licensed casino’s cashier, and nothing states that it may not.
How fast money actually moves
GCash settles instantly for wallet-to-wallet and InstaPay transfers, and by the end of the banking day for PESONet, which reflects the rail beneath and not GCash. This is about the rail rather than the casino: an operator may keep a withdrawal back for its own review before GCash is ever involved, and that review is typically behind the waiting time.
A per-transaction cap is not published. None is published for this rail.
Paying with GCash at PH22
- Once you have signed in at PH22, open the cashier.
- GCash is the entry to tap in the cashier’s list of payment options for your account.
- Make sure the name on your PH22 account matches the name on your GCash account.
- Before you confirm the amount, read the minimum, the maximum and any fee on the cashier screen.
Before the first deposit with any new method, read the cashier screen; it lists your account’s live limits.
FAQ
How do I pay with GCash at PH22?
Once signed in, go to the cashier and choose GCash from whichever methods it lists for your account. Check the cashier's limits before you confirm, and match the name on both accounts too.
What is the GCash wallet limit?
A PHP 100,000 limit applies at Fully Verified, measured at any given time. In one line the full ladder is Basic at a limit of PHP 10,000; GCash Jr, PHP 50,000; Fully Verified, PHP 100,000; GCash Plus, PHP 500,000; and GCash Platinum, PHP 1,000,000., at the tier the provider states. Lower tiers carry lower ceilings.
How long does GCash take?
The rail settles instantly for wallet-to-wallet and InstaPay transfers, and by the end of the banking day for PESONet, which reflects the rail beneath and not GCash. Before releasing a withdrawal, an operator runs its own review, which is a different step and usually takes longer.
Who regulates GCash?
GCash — regulation: Bangko Sentral ng Pilipinas holds the licensing role, and the licence category is Electronic Money Issuer. That covers the rail, not the casino.