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How to Send Money to GCash From the USA to the Philippines
Jarrod Suda
Guide
Byron Mühlberg
Reviewer
GCash is a powerful mobile app in the Philippines that allows you to make bank transfers, pay bills with QR codes, take out loans, and top up airtime on your mobile phone. Since it is one of the most convenient mobile wallets in the Philippines, receiving money means making the most of GCash's products and services.
Fortunately for you, market-leading and trusted services like Remitly, WorldRemit, Wise, Western Union, and others enable you to send Philippine pesos to GCash from the USA easily, quickly, and affordably! Find the cheapest and fastest service using Monito's live comparison tool below. 👇
Find the best provider to send GCash from the USA to the Philippines:
Key Facts: USA to GCash in the Philippines
| 🌏 Providers available | 14 (compare them here) |
|---|---|
| 💸 Maximum limit | ₱100,000 |
| ⚡️ Transfer speed | A few minutes |
| 💰 Cheapest total fees | FREE |
| 💰 Most expensive total fees | 1.82% |
| 📞 GCash number format | 09XXXXXXXXX |
| 👥 Number of GCash users | 60 million |
| 🌍 GCash headquarters | Singapore |
5 Ways to Send Money to GCash From the USA
Is GCash Available in the US?
As of 2024, GCash is available in the USA thanks to the GCash Overseas account. However, the only way you can use GCash in the US is if you hold a valid Filipino passport.
Still, using GCash in the USA is just like using GCash in the Philippines. The app is based in Philippine pesos and cannot support US dollar deposits. This means GCash can't be used directly to send a remittance from the USA to the Philippines.
Therefore, the only way to send money from the US to the Philippines via GCash is to use a trusted third-party transfer provider like WorldRemit or Remitly, which we'll explore further later in this article.
How to Use GCash in the USA
Using GCash Overseas to access GCash's savvy online services in the US is very simple. All you'll need to do is complete the following steps:
Step 01
Download the app
It's available on iOS and Android devices.
Step 02
Register your number
This can be either a Filipino number or a US number. You'll need to enter a OTP received via SMS.
Step 03
Enter your personal details
These include your name and physical address.
Step 04
Verify your account
You'll need to upload a valid government ID from the Philippines before you can start using the app.
Final step
Use the app
With GCash Overseas in the US, you can send money to other verified GCash accounts, make bank transfers, buy load, pay bills and cash in.
You can learn more about GCash overseas here.
Can I Convert Dollars to Pesos in GCash?
No, you can't convert US dollars to pesos in GCash yet since GCash doesn't support USD-PHP conversions at all. The app is denominated in Philippine pesos and isn't yet able to support US dollar deposits. Fortunately, there are quick, easy, and super-affordable solutions, the best of which is to send money to GCash from the USA through a digital money transfer platform (which we rank below). GCash has partnered with several online platforms in the United States, including WorldRemit, Remitly, Panda Remit, Skrill, Wise, and Wirebarely.
According to Monito's comparison data, Remitly is the single best option for anyone in the United States trying to send money to GCash in the Philippines. WorldRemit is a second option, but it's not always quite as cheap as Remitly. Panda Remit is the third-best option.
How to GCash via an Online Transfer App
To start sending money to GCash in the Philippines from the US via a third-party money transfer specialist's app or platform, you must do the following:
- Sign up on one of these platforms (the process is quick, easy & free),
- Choose GCash as your delivery method,
- Enter the recipient's GCash-registered name and account number,
- Confirm your transfer,
- Your recipient in the Philippines gets pesos on their GCash account.
Let's go through each option in more detail below:
Best: Remitly
Remitly is a US-based remittance platform that's been the cheapest way to send money to the Philippines in 2024, according to our comparison data. It supports transfers from the USA to the Philippines (and many other countries worldwide, including the UK, EU, and Canada).
- Avg. cost from US to Philippines: Around 1.5%
- Transfer time: In minutes
- GCash limits: USD 2,999 within 24 hours, USD 10,000 within 30 days, and USD 18,000 within 180 days
- More info: See our full Remitly review or visit their website.
- Tutorial video:
2nd-Best: WorldRemit
WorldRemit is a UK-based remittance platform that's one of the fastest and cheapest ways to send money to the Philippines. It supports transfers from the USA to the Philippines (and many other countries worldwide, including the UK, EU, and Australia).
- Avg. cost from US to Philippines: Approx. 1%
- Transfer time: In minutes
- GCash limits: Varies by bank; on average ₱300,000 per transfer
- More info: See our full WorldRemit review or visit their website.
- Tutorial video:
3rd-Best: Panda Remit
Panda Remit is a China-based money transfer service that offers good rates from both the United States and Canada. Speed is one of the most significant selling points of Panda Remit. Most transfers arrive within minutes of being sent, as long as the transfer is sent on a weekday during business hours.
- Avg. cost from US to Philippines: 1.6%
- Transfer speed: Up to 1 business day
- GCash limits: $3,000 (unless you verify your ID)
- More info: See our full Panda Remit review or visit the website.
4th-Best: Western Union
Western Union is the largest and oldest money transfer operator globally, offering money transfers from the USA to GCash in the Philippines from dozens of countries across the globe.
- Avg. cost from US to Philippines: Approx. 2-3%
- Transfer speed: 1-2 business days
- GCash limits: $1,500 per day
- More info: See our full Western Union review or visit the website.
5th-Best: Wise
After Western Union, Wise is one of the most popular money transfer platforms in the world and also offers money transfers from the USA to GCash in the Philippines. Wise offers transparent pricing, applying the real mid-market exchange rate to your transfers.
- Avg. cost from US to Philippines: Approx. 0.95%
- Transfer speed: 1-2 business days
- GCash limits: 9 million PHP per transfer
- More info: See our full Wise review or visit the website.
Worst Option: Banks
If you live in the United States and have a bank account, you can sometimes send money back to the Philippines and convert your US dollars into pesos. This is generally not advisable if you want to save money, as costs can quickly add up to over 5% of the total transaction amount. You can learn more about the high costs of using your bank to send money abroad in our dedicated explainer.
Instead of banks, we recommend choosing a provider on this list like Remitly or comparing money transfer providers in real-time below to find the best deal for your specific transfer 👇
Send GCash from the USA to the Philippines now:
Recap: Best Ways to Send GCash From the USA to the Philippines
To conclude, let's recap the main recommendations we explored for sending GCash to the Philippines from the US:
- Remitly: Hands down the best method. It's cheap, fast, and secure!
- WorldRemit: An excellent alternative, that often competes with Remitly on prices.
- Western Union: A legacy provider. Trustworthy but rather pricey.
- Banks: Seldom support transfers to GCash, but pricey when available.
FAQ About Sending GCash From the USA to the Philippines
References Used In This Guide
GCash. How do I receive remittance through GCash? Accessed 9 July 2024.
Remitly. How Remitly works with GCash. Accessed 21 March 2023.
Remitly. US Dollar to Philippine Peso. Accessed 21 March 2023.
GCash. How do I send remittance to GCash via Skrill?. Accessed 21 March 2023.
Western Union. Send money to the Philippines. Accessed 21 March 2023.
MoneyGram. Send Money to The Philippines. Accessed 21 March 2023.
Other Money Transfer Guides
Sending Money to Another Mobile Wallet?
Below, you'll find all our guides helping you to send money to various mobile wallets between different countries worldwide:
- Send money from Canada to India
- Send money from UK to India
- Send money from the USA to China
- Send money from India to Bangladesh
- Send money from Singapore to China
- Send money from Oman to India
- Send money from the USA to Honduras
- Send money from Saudi Arabia to Indonesia
- Send money from Saudi Arabia to Bangladesh
Why You Can Trust Monito
Our recommendations are built on rock-solid experience.
- We've reviewed 50+ money transfer providers
- We've made 100+ test transfers
- Our writers have been testing providers since 2013
Why You Can Trust Us
You’re probably all too familiar with the often outrageous cost of sending money abroad. After facing this frustration themselves back in 2013, Monito co-founders François, Laurent, and Pascal launched a real-time comparison engine to compare the best money transfer services worldwide.
Today, Monito’s award-winning comparisons, reviews, and guides (no longer just about money transfers but also digital accounts, travel cards, eSIMs, and travel insurance) are trusted by millions each year. Our recommendations are backed by our comparison data and dozens of expert tests, allowing you to confidently make the savviest decisions.
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