How to Send Money to GCash From the USA to the Philippines
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.
Services like Remitly, WorldRemit, Western Union, or Xoom enable you to easily send Philippine pesos to GCash from the US. 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 | Nine (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
Option 1: Digital Platforms
The best way to send money to GCash from the USA is to use a digital money transfer service. GCash has partnered with three online platforms in the United States: Remitly, Skrill, and Wirebarely.
According to Monito's comparison engine from August 2021 to August 2022, Remitly was the single best option for anyone in the United States trying to send money to GCash in the Philippines. Skrill is a second option, but it is not nearly as cheap as Remitly.
How To Send GCash the USA to the Philippines
To get started, you must:
- 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:
Remitly
Remitly is a US-based remittance platform that's usually the fastest and cheapest way 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).
- Cost from the US to the Philippines: -0.6% to -2.6%Includes a promotional exchange rate for first-time users
- 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.
Skrill
Skrill is a UK-based money transfer service that offers good rates, especially to and from Europe, South Africa, and Morocco. Skrill has expanded to operate in more than 120 countries with the digital wallet offered in 40 different currencies.
- Average cost from the US to the Philippines: -1.95%
- GCash limits: USD $999.99 if you do not verify ID
- More info: See our full Skrill review or visit their website.
Option 2: Legacy Platforms
In addition to the savvy online options discussed above, a traditional player like Western Union or MoneyGram is another good alternative to send money to GCash from the US. Both Western Union and MoneyGram are verified partners with GCash.
Although legacy platforms are usually more expensive than online platforms, they offer decent exchange rates. The size of the fees charged will largely depend on how much money you are transferring, which is why we recommend you compare money transfer providers before every new transfer to the Philippines.
Let's go over the leading platforms in this category:
Western Union
Western Union is the largest and oldest money transfer operator on the globe, offering money transfers from the USA to GCash in the Philippines from dozens of countries across the globe.
- Average cost from the US to the Philippines: Approx. -1.19%
- GCash limits: USD 1,500 per day
- More info: See our full Western Union review or visit their website.
MoneyGram
After Western Union, MoneyGram is the second-largest money transfer operator in the world and also offers money transfers from the USA to the Philippines.
- Average cost from the US to the Philippines: Approx. -0.9% + $5 fee
- GCash limits: $10,000 every 30 days
- More info: See our full MoneyGram review or visit their website.
Option 3: 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 in the Philippines
FAQ About Sending GCash From the USA to the Philippines
References
1. GCash. How do I receive remittance through GCash? Accessed 23 November 2022.
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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:
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