PHFUN GCash — Limits, Fees & Settlement
GCash is a Philippine payment rail — regulation: Licence as an Electronic Money Issuer, granted by Bangko Sentral ng Pilipinas.
Key facts and contents
- Operator
- Mynt company G-Xchange, Inc., itself a joint venture between Globe Fintech Innovations and Ayala Corporation
- Regulator
- Licence as an Electronic Money Issuer, granted by Bangko Sentral ng Pilipinas
- Wallet limit
- PHP 100,000 applies at Fully Verified and is measured at any given time. Anyone on Basic is held to PHP 10,000, GCash Jr users to PHP 50,000, Fully Verified users to PHP 100,000, GCash Plus users to PHP 500,000 and GCash Platinum users to PHP 1,000,000.
- Per-transaction cap
- Not published
- Settlement
- wallet-to-wallet and InstaPay transfers arrive in real time while PESONet arrives the same banking day, both being properties of the rail underneath and not of GCash
- Figures as of
- 2026-09
GCash as a payment method is what follows: who runs it, what it is licensed as, and what it publishes about limits and fees.
GCash at a glance
| Field | Value |
|---|---|
| Operated by | Mynt company G-Xchange, Inc., itself a joint venture between Globe Fintech Innovations and Ayala Corporation |
| Regulated by | Bangko Sentral ng Pilipinas |
| Wallet limit | PHP 100,000 applies at Fully Verified and is measured at any given time. Anyone on Basic is held to PHP 10,000, GCash Jr users to PHP 50,000, Fully Verified users to PHP 100,000, GCash Plus users to PHP 500,000 and GCash Platinum users to PHP 1,000,000. |
| Per-transaction cap | Not published |
| Settlement | wallet-to-wallet and InstaPay transfers arrive in real time while PESONet arrives the same banking day, both being properties of the rail underneath and not of GCash |
| Published fees | Free up to PHP 8,000 per month across all OTC channels combined, over-the-counter cash-in then costs 2 per cent on the excess and resets on the first of each month. Banks apply the fee on linked-bank cash-in via InstaPay, at PHP 15 for BPI and PHP 10 for UnionBank. From 7 March 2026 GCash states the PayPal cash-in fee becomes a flat 1 per cent, having been 1 per cent below PHP 20,000 and a flat PHP 200 at or above it. Free of charge are the cash-in and remittance claims on Payoneer. Cash-ins from a minimum of PHP 100 at Pera Outlet agents carry a suggested 1 per cent charge, set by the outlet |
These figures were recorded in 2026-09 and hold at that point in time. Limits and fees are revised by payment providers without notice, so the provider’s own page is the only current source.
How fast money actually moves
GCash settles wallet-to-wallet and InstaPay transfers arrive in real time while PESONet arrives the same banking day, both being properties of the rail underneath and not of GCash. This describes the rail rather than the casino, because an operator can hold a withdrawal for its own review before it gets to GCash, and that review is usually the source of the waiting time.
A per-transaction cap is not published. None is published for this rail.
Verification tiers
- Basic — Cash in, pay bills, buy load, or scan to pay. A PHP 10,000 ceiling on the wallet, monthly limits of PHP 5,000 in and PHP 5,000 out, and no stated daily cap
- GCash Jr. — It is meant for users aged 7 to 17, and the feature set is Basic. Up to PHP 50,000 held in the wallet, PHP 10,000 in per month, and PHP 10,000 out both per day and per month
- Fully Verified — Borrow, GSave, GInvest, GInsure and GLife join send money, bank transfer, pay online and the GCash card. No monthly cap on outgoing money, PHP 100,000 out per day, PHP 100,000 in per month and a PHP 100,000 wallet ceiling
- GCash Plus — It applies to Fully Verified users whose bank or investment account is linked. Limits are PHP 500,000 for the wallet, PHP 500,000 of monthly inflow and PHP 100,000 of daily outflow
- GCash Platinum — Eligible Globe Platinum subscribers only. PHP 1,000,000 in per month, PHP 500,000 out per day, PHP 1,000,000 per month, and a PHP 1,000,000 wallet ceiling
The published ceiling of PHP 100,000 applies at Fully Verified and is measured at any given time. Anyone on Basic is held to PHP 10,000, GCash Jr users to PHP 50,000, Fully Verified users to PHP 100,000, GCash Plus users to PHP 500,000 and GCash Platinum users to PHP 1,000,000. applies to the tier stated above, not to every account.
What GCash says about gambling transactions
GCash’s own terms and conditions do not blanket-ban gambling merchants; the closest general clause prohibits pyramid and Ponzi schemes. Restrictions, where they exist, are regulator-driven. Every BSP-supervised institution was ordered within BSP Memorandum M-2025-029, dated 14 August 2025, to remove in-app links and redirects to gambling and gaming sites within 48 hours, and GCash pulled the GLife Games top-up and withdrawal feature from 16 August 2025.
GCash says separately that it has zero tolerance for illegal gambling operators, and reports blocking about 3,200 merchants that exploited its QR system to redirect users to illegal gambling and scam sites. The effect of all of it is to restrain merchants linked to illegal gambling and in-app gaming top-ups. No part of this claims GCash may be used to fund a licensed casino’s cashier, and no part claims that it may not.
Paying with GCash at PHFUN
- Sign in at PHFUN and open the cashier.
- Choose GCash from the payment methods listed in the cashier for your account.
- Make sure the name on your PHFUN account matches the name on your GCash account.
- Start with the cashier screen for the minimum, maximum and any fee, then confirm your amount.
Because the cashier screen displays the live limits for your account, check it before making a first deposit with any new method.
FAQ
Who regulates GCash?
GCash — regulation: Licence as an Electronic Money Issuer, granted by Bangko Sentral ng Pilipinas. That covers the rail, not the casino.
How do I pay with GCash at PHFUN?
Pick GCash from the methods listed for your account after you sign in and open the cashier. Before you confirm, make sure the name matches on both accounts and look over the limits the cashier displays.
How long does GCash take?
The rail settles wallet-to-wallet and InstaPay transfers arrive in real time while PESONet arrives the same banking day, both being properties of the rail underneath and not of GCash. Separately, an operator runs its own review before it releases a withdrawal, and that usually takes longer.
Does GCash charge fees?
Published fees: Free up to PHP 8,000 per month across all OTC channels combined, over-the-counter cash-in then costs 2 per cent on the excess and resets on the first of each month. Banks apply the fee on linked-bank cash-in via InstaPay, at PHP 15 for BPI and PHP 10 for UnionBank. From 7 March 2026 GCash states the PayPal cash-in fee becomes a flat 1 per cent, having been 1 per cent below PHP 20,000 and a flat PHP 200 at or above it. Free of charge are the cash-in and remittance claims on Payoneer. Cash-ins from a minimum of PHP 100 at Pera Outlet agents carry a suggested 1 per cent charge, set by the outlet. Providers revise these without notice.