MNL168 GCash — Limits, Fees & Settlement
GCash is a Philippine payment rail — regulation: Bangko Sentral ng Pilipinas is the body that licensed it as an Electronic Money Issuer.
Key facts and contents
- Operator
- G-Xchange, Inc., operating as a Mynt subsidiary born of the Globe Fintech Innovations and Ayala Corporation joint venture
- Regulator
- Bangko Sentral ng Pilipinas is the body that licensed it as an Electronic Money Issuer
- Wallet limit
- PHP 100,000 stands as the Fully Verified cap, measured at any given time. The complete tier structure prices Basic at PHP 10,000, GCash Jr at PHP 50,000, Fully Verified at PHP 100,000, GCash Plus at PHP 500,000 and GCash Platinum, highest of all, at PHP 1,000,000
- Per-transaction cap
- Not published
- Settlement
- belonging to the rail beneath rather than to GCash: real time for wallet-to-wallet and InstaPay transfers, same banking day for PESONet
- Figures as of
- 2026-09
Below covers GCash purely as a payment method — who operates it, its licensing, and what it publishes on limits and fees.
GCash at a glance
| Field | Value |
|---|---|
| Operated by | G-Xchange, Inc., operating as a Mynt subsidiary born of the Globe Fintech Innovations and Ayala Corporation joint venture |
| Regulated by | Bangko Sentral ng Pilipinas |
| Wallet limit | PHP 100,000 stands as the Fully Verified cap, measured at any given time. The complete tier structure prices Basic at PHP 10,000, GCash Jr at PHP 50,000, Fully Verified at PHP 100,000, GCash Plus at PHP 500,000 and GCash Platinum, highest of all, at PHP 1,000,000 |
| Per-transaction cap | Not published |
| Settlement | belonging to the rail beneath rather than to GCash: real time for wallet-to-wallet and InstaPay transfers, same banking day for PESONet |
| Published fees | A combined PHP 8,000 monthly allowance across OTC channels covers free over-the-counter cash-in, with 2 per cent charged on the excess and a reset on the first of the month. BPI’s InstaPay linked-bank cash-in fee is PHP 15; UnionBank’s is PHP 10, with the bank setting each. GCash states that a flat 1 per cent fee for PayPal cash-in begins 7 March 2026, taking over from the present 1 per cent under PHP 20,000 and flat PHP 200 at or above it. Payoneer’s cash-in service and its remittance claims process are both free. 1 per cent is suggested and set by the outlet as the fee Pera Outlet agents charge on a PHP 100 minimum cash-in. |
Every number on this page reflects a fixed moment: 2026-09. Limits and fees at any payment provider can shift overnight with zero warning, leaving the provider’s own page as the single place to check for current numbers.
Verification tiers
- Basic — Scan to pay, buy load, pay bills, cash in: all four are available. With no stated daily cap, this tier allows PHP 5,000 in and PHP 5,000 out monthly under a PHP 10,000 wallet ceiling
- GCash Jr. — Only the Basic feature set is available to users aged 7 to 17. PHP 50,000 wallet cap, PHP 10,000 monthly on inflows, PHP 10,000 daily and monthly on outflows
- Fully Verified — Send money, GInsure, and pay online extend to Borrow, GLife, the GCash card, GInvest, bank transfer, and GSave. The wallet’s PHP 100,000 ceiling matches a PHP 100,000 monthly inflow limit and a PHP 100,000 daily outflow limit that has no monthly cap
- GCash Plus — Reserved for Fully Verified users with a bank or investment account already linked Wallet balance capped at PHP 500,000, with PHP 500,000 monthly in and PHP 100,000 daily out as the flow limits
- GCash Platinum — Eligible Globe Platinum subscribers only. PHP 500,000 per day outbound, PHP 1,000,000 per month outbound, PHP 1,000,000 per month inbound, and PHP 1,000,000 as the wallet ceiling
The published ceiling of PHP 100,000 stands as the Fully Verified cap, measured at any given time. The complete tier structure prices Basic at PHP 10,000, GCash Jr at PHP 50,000, Fully Verified at PHP 100,000, GCash Plus at PHP 500,000 and GCash Platinum, highest of all, at PHP 1,000,000 applies to the tier stated above, not to every account.
How fast money actually moves
GCash settles belonging to the rail beneath rather than to GCash: real time for wallet-to-wallet and InstaPay transfers, same banking day for PESONet. This is a rail fact rather than a casino one: an operator’s own review can delay a withdrawal well before GCash gets involved, and that internal step is usually what accounts for the wait.
A per-transaction cap is not published. None is published for this rail.
What GCash says about gambling transactions
There’s no blanket gambling-merchant ban to be found in GCash’s terms and conditions, only a general clause against pyramid and Ponzi schemes that comes closest. Such restrictions as exist are the regulator’s doing. Under a 48-hour deadline set by BSP Memorandum M-2025-029, dated 14 August 2025, every BSP-supervised institution had to remove in-app links and redirects to gambling and gaming sites; GCash accordingly withdrew its GLife Games top-up and withdrawal feature effective 16 August 2025.
Illegal gambling operators are subject to a zero-tolerance policy GCash states separately, which comes alongside its report of blocking roughly 3,200 merchants for QR-system abuse redirecting users to illegal gambling and scam sites. Illegal-gambling-linked merchants and in-app gaming top-ups both end up restrained as a result of all that. The question of whether GCash may fund a licensed casino’s cashier is answered neither yes nor no here.
Paying with GCash at MNL168
- Log into MNL168, then head over to the cashier.
- Choose GCash among the payment methods your cashier lists for your account.
- Make sure the name on your MNL168 account matches the name on your GCash account.
- Give the cashier’s minimum, maximum and fee figures a look first, and only then lock in the amount.
Your account’s current limits sit on the cashier screen — worth a look before the first time you try any new deposit method.
FAQ
Who regulates GCash?
GCash — regulation: Bangko Sentral ng Pilipinas is the body that licensed it as an Electronic Money Issuer. That covers the rail, not the casino.
How do I pay with GCash at MNL168?
Your account's method list becomes visible in the cashier the moment you sign in — GCash is one of the options there, ready to pick. Ensure both account names line up and take note of the cashier's limits ahead of your confirmation.
Does GCash charge fees?
Published fees: A combined PHP 8,000 monthly allowance across OTC channels covers free over-the-counter cash-in, with 2 per cent charged on the excess and a reset on the first of the month. BPI's InstaPay linked-bank cash-in fee is PHP 15; UnionBank's is PHP 10, with the bank setting each. GCash states that a flat 1 per cent fee for PayPal cash-in begins 7 March 2026, taking over from the present 1 per cent under PHP 20,000 and flat PHP 200 at or above it. Payoneer's cash-in service and its remittance claims process are both free. 1 per cent is suggested and set by the outlet as the fee Pera Outlet agents charge on a PHP 100 minimum cash-in.. Providers revise these without notice.
How long does GCash take?
The rail settles belonging to the rail beneath rather than to GCash: real time for wallet-to-wallet and InstaPay transfers, same banking day for PESONet. Before your withdrawal actually goes out, expect an additional review from the operator, one that's usually the slowest part of the whole process.