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Send money to GCash in the Philippines

How To Send Money to GCash in the Philippines: The Best and Cheapest Ways

Jarrod Suda

Guide

Byron Mühlberg

Reviewer

Feb 20, 2024
Advertiser disclosure

If you're a Filipino living and working overseas, you'll know that GCash is an influential mobile app helping transition the Philippines to a more cashless society. You can conveniently send money to friends, shop online, and access loans with your mobile phone.

However, sending money back home to the Philippines from your country of residence isn't always so simple. To send money to someone's GCash wallet, you must use a third-party service like RemitlyWorldRemit, or Western Union to get the job done. Get started now by finding the cheapest and fastest service using Monito's live comparison tool below. 👇

Find the best provider to send money to GCash in the Philippines:

Key Facts About Global GCash Transfers

🌏 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

Can I Have GCash Outside of the Philippines?

GCash is available in several countries outside of the Philippines, thanks to GCash Overseas. As of October 2023, these include the following countries in addition to the Philippines:

  • United States,
  • United Kingdom,
  • Japan,
  • Canada,
  • Australia,
  • Italy.

Remember that the only way you can use GCash Overseas is if you hold a valid Filipino passport or government-issued ID, as well as a SIM issued locally from one of the countries above.

You can learn more about GCash overseas here.

Can I Send Dollars to GCash?

No, you can't send US dollars to GCash yet since GCash doesn't support USD-PHP conversions at all. That's because 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! We delve into them below:

How to Put Money In GCash From Abroad

The best (i.e., the cheapest and fastest) way to send money to the Philippines from a country overseas is through a digital money transfer service.

GCash has partnered with many of these digital money transfer specialists. If you want to take advantage of great exchange rates and high speeds, your best course of action is to send your local currency to one of their local bank accounts. Then, it will be quickly transfer on to your recipient's GCash account.

How to Send Money to GCash

Here's all you need to do to send your money to a GCash account:

  1. Compare cheap transfer services to the Philippines with Monito;
  2. Sign in or sign up for an account;
  3. Enter transfer info (amount, recipient name);
  4. Select GCash as your delivery method;
  5. Enter your recipient’s GCash-registered name & account number;
  6. Confirm and pay for the transfer!

Below is a brief visual guide for getting the job done as affordably and hassle-free as possible:

  • Step 01

    Compare on Monito

    Run a search on our free real-time comparison engine to find the best provider for your transfer.

  • Step 02

    Select the cheapest deal

    On the 'Wallet' tab, find your preferred provider and click to go to their website.

  • Step 03

    Create an account

    Sign up for free on the provider's website.

  • Final step

    Send to someone's GCash account

    Set up your transfer by adding a transaction amount and a beneficiary's GCash account details. Then, send the money!

    Compare providers on Monito now

According to thousands of comparisons made on Monito throughout 2023, WorldRemit was, on average, the best option for Filipinos living abroad to send money to GCash back home. Remitly, Western Union, and Skrill were other cheap options. In the sections below, we explore each provider in a bit more detail.

Best: WorldRemit

WorldRemit is a UK-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).

  • Avg. cost from US to Philippines: ±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:

2nd-Best: Remitly

Remitly is a US-based remittance platform that has been the cheapest money transfer service to the Philippines on Monito's comparison engine from August 2021 to August 2022. It supports transfers to GCash in the Philippines from the USA, Canada, UK, Australia, Singapore, Italy and the Netherlands.

  • Average cost to the Philippines: -1%
  • Available send countries: US, Canada, the UK, Australia, Singapore, Italy, Netherlands
  • Unavailable major send countries: Japan, Germany, India, UAE, Malaysia, Turkey
  • 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:

  • Average cost to the Philippines: ±1.5%
  • Available major send countries: All
  • Unavailable major send countries: None
  • GCash limits: USD 1,500 per day
  • More info: See our full Western Union review or visit their website.

3rd-Best: Western Union

Western Union is the largest and oldest money transfer operator on the globe, offering money transfers to the Philippines from dozens of countries across the globe.

4th-Best: Skrill

Unlike Remitly, Skrill is a mobile wallet that allows many features, including international money transfers. Between August 2021 to August 2022, Skrill averaged as the fourth cheapest money transfer service on Monito's comparison engine. It provides a flexible and easy way to send money to GCash from overseas.

  • Average cost to the Philippines: 1.5% - 2.5%
  • Available send countries: Europe, US, Australia
  • Unavailable major send countries: Japan, India, UAE, Malaysia, Singapore, Turkey
  • GCash limits: ₱100,000
  • More info: See our full Skrill review or visit their website.

5th-Best: MoneyGram

After Western Union, MoneyGram is the second-largest money transfer operator in the world and also offers money transfers to the Philippines using GCash from a large number of countries worldwide.

  • Average cost to the Philippines: ±1% + $5 fee
  • Available major send countries: All
  • Unavailable major send countries: None
  • GCash limits: $10,000 every 30 days
  • More info: See our full MoneyGram review or visit their website.

Can International Banks Transfer to GCash? (Not Recommended)

Yes, international banks can indeed transfer money to GCash. This can be facilitated through various integrations with GCash and other platforms (such as InstaPay or PesoNet capabilities). Banks with this functionality and their respective SWIFT codes include:

  • BPI — BOPIPHMM
  • UnionBank — UBPHPHMM
  • CIMB Bank — CIPHPHMM
  • Maybank — MBBEPHMM

However, we highly caution against using traditional banks for sending money overseas to GCash. Transferring money internationally through traditional banks can be exceptionally expensive, with fees amounting to over 5%-10% of the total transaction amount in many cases. This high cost is due to a combination of transaction fees, poor exchange rates, and other hidden charges that banks often apply to international transfers.

Instead, we highly encourage you to choose a money transfer specialist like WorldRemit to cheaply send money to a Philippine bank account. Remitly ranked as the second-best service to the Philippines in 2023, while Wise ranked as third.

Since rates change all the time, compare services in real-time with Monito to find the best international money transfer specialist for remittances to the Philippines:

Send money cheaply to the Philippines:

Where To Cash Out GCash?

You finally have your money safely sent to a digital GCash account! If you want to withdraw the money to use as cash, then you have a several GCash-partners to choose from.

At the store counter, let the cashier know that you want to cash out from GCash, provide your mobile number and desired amount, present a valid ID, confirm the transaction via SMS, and then receive your cash:

Convenience Stores

  • Family Mart

Pawnshops

  • PeraHUB
  • Villarica
  • Tambunting
  • Jaro Pawnshop

Supermarkets

  • Puregold

Payment Facilities

  • ExpressPay
  • TrueMoney
  • Posible

Department Stores

  • SM Store
  • Robinsons

Have a GCash Mastercard?

  • With your GCash Mastercard, you can withdraw cash at any Bancnet or Mastercard-partner ATM across the Philippines.

FAQ About How To Send Money to GCash

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Sending Money to a Mobile Wallet in the Philippines?

Below, you'll find all our guides helping you to send money to various mobile wallets between different countries worldwide:

Send money to GCash from France

Send money to GCash from Australia

Send money to GCash from Austria

Send money to GCash from Denmark

Send money to GCash from the Czech Republic

Send money to GCash from Finland

Send money to GCash from Ireland

Send money to GCash from Italy

Send money to GCash from Latvia

Send money to GCash from Norway

Send money to GCash from Poland

Send money to GCash from Portugal

Send money to GCash from Slovakia

Send money to GCash from Spain

Send money to GCash from Sweden

Send money to GCash from Croatia

Send money to GCash from Estonia

Send money to GCash from Slovenia

Send money to GCash from Hungary

Send money to GCash from New Zealand

Send money to GCash from the USA

Send money to GCash from Belgium

Send money to GCash from Canada

Send money to GCash from the Netherlands

Send money to GCash from Germany

Send money to GCash from Greece

Send money to GCash from Singapore

Send money to GCash from the UK

Send money to GCash from Bulgaria

Send money to GCash from Lithuania

Send money to GCash from South Africa

Send money to GCash from Switzerland

Send money to GCash from Romania

Send money to GCash from Japan

Send money to GCash from India

Send money to GrabPay from Austria

Send money to GrabPay from France

Send money to GrabPay from Australia

Send money to GrabPay from Finland

Send money to GrabPay from Denmark

Send money to GrabPay from the Czech Republic

Send money to GrabPay from Latvia

Send money to GrabPay from Ireland

Send money to GrabPay from Italy

Send money to GrabPay from Portugal

Send money to GrabPay from Norway

Send money to GrabPay from Poland

Send money to GrabPay from Sweden

Send money to GrabPay from Slovakia

Send money to GrabPay from Spain

Send money to GrabPay from Slovenia

Send money to GrabPay from Croatia

Send money to GrabPay from Estonia

Send money to GrabPay from the USA

Send money to GrabPay from Hungary

Send money to GrabPay from New Zealand

Send money to GrabPay from Greece

Send money to GrabPay from Belgium

Send money to GrabPay from Canada

Send money to GrabPay from the Netherlands

Send money to GrabPay from Romania

Send money to GrabPay from Singapore

Send money to GrabPay from Lithuania

Send money to GrabPay from the UK

Send money to GrabPay from Bulgaria

Send money to GrabPay from Germany

Send money to GrabPay from South Africa

Send money to GrabPay from Switzerland

Send money to Maya from Austria

Send money to Maya from France

Send money to Maya from Australia

Send money to Maya from Finland

Send money to Maya from Denmark

Send money to Maya from the Czech Republic

Send money to Maya from Latvia

Send money to Maya from Ireland

Send money to Maya from Italy

Send money to Maya from Portugal

Send money to Maya from Norway

Send money to Maya from Poland

Send money to Maya from Sweden

Send money to Maya from Slovakia

Send money to Maya from Spain

Send money to Maya from Slovenia

Send money to Maya from Croatia

Send money to Maya from Estonia

Send money to Maya from the USA

Send money to Maya from Hungary

Send money to Maya from New Zealand

Send money to Maya from Greece

Send money to Maya from Belgium

Send money to Maya from Canada

Send money to Maya from the Netherlands

Send money to Maya from Romania

Send money to Maya from Singapore

Send money to Maya from Lithuania

Send money to Maya from the UK

Send money to Maya from Bulgaria

Send money to Maya from Germany

Send money to Maya from South Africa

Send money to Maya from Switzerland

Send money to ShopeePay from Austria

Send money to ShopeePay from France

Send money to ShopeePay from Australia

Send money to ShopeePay from Finland

Send money to ShopeePay from Denmark

Send money to ShopeePay from the Czech Republic

Send money to ShopeePay from Latvia

Send money to ShopeePay from Ireland

Send money to ShopeePay from Italy

Send money to ShopeePay from Portugal

Send money to ShopeePay from Norway

Send money to ShopeePay from Poland

Send money to ShopeePay from Sweden

Send money to ShopeePay from Slovakia

Send money to ShopeePay from Spain

Send money to ShopeePay from Slovenia

Send money to ShopeePay from Croatia

Send money to ShopeePay from Estonia

Send money to ShopeePay from the USA

Send money to ShopeePay from Hungary

Send money to ShopeePay from New Zealand

Send money to ShopeePay from Greece

Send money to ShopeePay from Belgium

Send money to ShopeePay from Canada

Send money to ShopeePay from the Netherlands

Send money to ShopeePay from Romania

Send money to ShopeePay from Malaysia

Send money to ShopeePay from Lithuania

Send money to ShopeePay from the UK

Send money to ShopeePay from Bulgaria

Send money to ShopeePay from Germany

Send money to ShopeePay from South Africa

Send money to ShopeePay from Switzerland

Send money to Coins.ph from Austria

Send money to Coins.ph from France

Send money to Coins.ph from Australia

Send money to Coins.ph from Finland

Send money to Coins.ph from Denmark

Send money to Coins.ph from the Czech Republic

Send money to Coins.ph from Latvia

Send money to Coins.ph from Ireland

Send money to Coins.ph from Italy

Send money to Coins.ph from Portugal

Send money to Coins.ph from Norway

Send money to Coins.ph from Poland

Send money to Coins.ph from Sweden

Send money to Coins.ph from Slovakia

Send money to Coins.ph from Spain

Send money to Coins.ph from Slovenia

Send money to Coins.ph from Croatia

Send money to Coins.ph from Estonia

Send money to Coins.ph from the USA

Send money to Coins.ph from Hungary

Send money to Coins.ph from New Zealand

Send money to Coins.ph from Greece

Send money to Coins.ph from Belgium

Send money to Coins.ph from Canada

Send money to Coins.ph from the Netherlands

Send money to Coins.ph from Romania

Send money to Coins.ph from Singapore

Send money to Coins.ph from Lithuania

Send money to Coins.ph from the UK

Send money to Coins.ph from Bulgaria

Send money to Coins.ph from Germany

Send money to Coins.ph from South Africa

Send money to Coins.ph from Switzerland

Why Trust Monito?

You’re probably all too familiar with the often outrageous cost of sending money abroad. After facing this frustration themselves back in 2013, co-founders François, Laurent, and Pascal launched a real-time comparison engine to compare the best money transfer services across the globe. Today, Monito’s award-winning comparisons, reviews, and guides are trusted by around 8 million people each year and our recommendations are backed by millions of pricing data points and dozens of expert tests — all allowing you to make the savviest decisions with confidence.

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