PHSWERTE GCash — Limits, Fees & Settlement
GCash is a Philippine payment rail — regulation: Bangko Sentral ng Pilipinas is the licensing body, with an Electronic Money Issuer licence.
- Operator
- G-Xchange, Inc., which belongs to Mynt and was formed jointly by Globe Fintech Innovations and Ayala Corporation
- Regulator
- Bangko Sentral ng Pilipinas is the licensing body, with an Electronic Money Issuer licence
- Wallet limit
- Fully Verified is measured at any given time against PHP 100,000. Each rung has a limit of its own: PHP 10,000 goes with Basic while GCash Jr takes PHP 50,000
- Settlement
- for PESONet the same banking day, for wallet-to-wallet and InstaPay transfers real time, and in each case it is the rail underneath that sets this, not GCash
- Figures as of
- 2026-09
Per-transaction cap: not published.
This page covers GCash itself, a Philippine payment rail, meaning its limits, settlement behaviour and published fees, and not any casino’s cashier.
GCash at a glance
| Field | Value |
|---|---|
| Operated by | G-Xchange, Inc., which belongs to Mynt and was formed jointly by Globe Fintech Innovations and Ayala Corporation |
| Regulated by | Bangko Sentral ng Pilipinas |
| Wallet limit | Fully Verified is measured at any given time against PHP 100,000. Each rung has a limit of its own: PHP 10,000 goes with Basic while GCash Jr takes PHP 50,000; Fully Verified is given PHP 100,000; GCash Plus gets PHP 500,000; GCash Platinum tops the list on PHP 1,000,000. |
| Per-transaction cap | Not published |
| Settlement | for PESONet the same banking day, for wallet-to-wallet and InstaPay transfers real time, and in each case it is the rail underneath that sets this, not GCash |
| Published fees | Resetting on the first of each month, the OTC cash-in allowance is free up to PHP 8,000 per month across all OTC channels combined, and the excess costs 2 per cent. The bank charges for linked-bank cash-in via InstaPay, which comes to PHP 15 at BPI and PHP 10 at UnionBank. PayPal cash-in costs 1 per cent below PHP 20,000, and a flat PHP 200 at or above that level; GCash states that this becomes a flat 1 per cent from 7 March 2026. You pay nothing on Payoneer cash-in and remittance claims. Where the cash-in is a minimum PHP 100, Pera Outlet agents charge a suggested 1 per cent, and the outlet sets it |
The figures on this page are point-in-time and were recorded 2026-09. Only the provider’s own page gives current figures, as payment providers change their limits and fees without any notice.
What GCash says about gambling transactions
Pyramid and Ponzi schemes are the closest thing to a target of any general clause in GCash’s own terms and conditions, which contain no blanket ban on gambling merchants. What restrictions there are come from regulators. BSP Memorandum M-2025-029, dated 14 August 2025, gave every BSP-supervised institution an order: remove in-app links and redirects to gambling and gaming sites within 48 hours, and GCash, for its part, withdrew the GLife Games top-up and withdrawal feature with effect from 16 August 2025.
GCash separately takes a zero-tolerance line on illegal gambling operators, reporting that roughly 3,200 merchants were blocked for abusing its QR system to redirect users to illegal gambling and scam sites. That whole set of rules restrains in-app gaming top-ups and illegal-gambling-linked merchants. Not one part of it asserts that GCash may be used to fund a licensed casino’s cashier, nor that it may not.
Verification tiers
- Basic — Buy load and pay bills, then cash in or scan to pay. PHP 5,000 in and PHP 5,000 out each month, plus a PHP 10,000 wallet ceiling, while no daily cap is stated
- GCash Jr. — Designed for the 7 to 17 age group, with the Basic feature set. The PHP 50,000 ceiling limits the wallet, while PHP 10,000 in per month and PHP 10,000 out per day and per month limit the flows
- Fully Verified — Extra features are the GCash card, Borrow, pay online, GLife, bank transfer, GSave, send money, GInsure and GInvest. PHP 100,000 as the wallet ceiling, PHP 100,000 per month coming in, and PHP 100,000 per day going out without a monthly cap
- GCash Plus — Those who are Fully Verified and hold a linked bank or investment account are covered. Three caps apply: PHP 500,000 on the wallet, PHP 500,000 in per month, PHP 100,000 out per day
- GCash Platinum — Eligible Globe Platinum subscribers only. The wallet ceiling is PHP 1,000,000; PHP 1,000,000 can come in per month, PHP 500,000 can go out per day and PHP 1,000,000 per month
The published ceiling of Fully Verified is measured at any given time against PHP 100,000. Each rung has a limit of its own: PHP 10,000 goes with Basic while GCash Jr takes PHP 50,000; Fully Verified is given PHP 100,000; GCash Plus gets PHP 500,000; GCash Platinum tops the list on PHP 1,000,000. applies to the tier stated above, not to every account.
How fast money actually moves
GCash settles for PESONet the same banking day, for wallet-to-wallet and InstaPay transfers real time, and in each case it is the rail underneath that sets this, not GCash. What that covers is the rail rather than the casino, because an operator may hold a withdrawal for its own review before GCash ever receives it, and most of the waiting time usually comes from that review.
A per-transaction cap is not published. None is published for this rail.
Paying with GCash at PHSWERTE
- Sign in at PHSWERTE and open the cashier.
- In the cashier, choose GCash among the payment methods listed for your account.
- Make sure the name on your PHSWERTE account matches the name on your GCash account.
- Confirm the amount once you have read the minimum, maximum and any fee on the cashier screen.
Before a first deposit with any new method, read the cashier screen, which shows the live limits for your account.
FAQ
How do I pay with GCash at PHSWERTE?
Open the cashier after signing in and choose GCash from the methods listed for your account. Make sure the name on both accounts matches, and look at the limits the cashier displays before confirming.
Who regulates GCash?
GCash — regulation: Bangko Sentral ng Pilipinas is the licensing body, with an Electronic Money Issuer licence. That covers the rail, not the casino.
Does GCash charge fees?
Published fees: Resetting on the first of each month, the OTC cash-in allowance is free up to PHP 8,000 per month across all OTC channels combined, and the excess costs 2 per cent. The bank charges for linked-bank cash-in via InstaPay, which comes to PHP 15 at BPI and PHP 10 at UnionBank. PayPal cash-in costs 1 per cent below PHP 20,000, and a flat PHP 200 at or above that level; GCash states that this becomes a flat 1 per cent from 7 March 2026. You pay nothing on Payoneer cash-in and remittance claims. Where the cash-in is a minimum PHP 100, Pera Outlet agents charge a suggested 1 per cent, and the outlet sets it. Providers revise these without notice.
What is the GCash wallet limit?
Fully Verified is measured at any given time against PHP 100,000. Each rung has a limit of its own: PHP 10,000 goes with Basic while GCash Jr takes PHP 50,000; Fully Verified is given PHP 100,000; GCash Plus gets PHP 500,000; GCash Platinum tops the list on PHP 1,000,000., at the tier the provider states. Lower tiers carry lower ceilings.