WJ2 GCash — Limits, Fees & Settlement
GCash is a Philippine payment rail — regulation: An Electronic Money Issuer licensed through Bangko Sentral ng Pilipinas.
- Operator
- G-Xchange, Inc., a Mynt company that Globe Fintech Innovations and Ayala Corporation formed as a joint venture
- Regulator
- An Electronic Money Issuer licensed through Bangko Sentral ng Pilipinas
- Wallet limit
- The amount at Fully Verified level is PHP 100,000, counted at any given time. The full ladder climbs through Basic
- Settlement
- wallet-to-wallet and InstaPay transfers move in real time, PESONet settles the same banking day, and each of these belongs to the rail below rather than to GCash
- Figures as of
- 2026-09
Per-transaction cap: not published.
This page covers GCash the payment rail. Why anything tied to a particular operator’s cashier is left out on purpose is explained in the last section.
GCash at a glance
| Field | Value |
|---|---|
| Operated by | G-Xchange, Inc., a Mynt company that Globe Fintech Innovations and Ayala Corporation formed as a joint venture |
| Regulated by | Bangko Sentral ng Pilipinas |
| Wallet limit | The amount at Fully Verified level is PHP 100,000, counted at any given time. The full ladder climbs through Basic (PHP 10,000), GCash Jr (PHP 50,000), Fully Verified (PHP 100,000), GCash Plus (PHP 500,000) and finally GCash Platinum (PHP 1,000,000) |
| Per-transaction cap | Not published |
| Settlement | wallet-to-wallet and InstaPay transfers move in real time, PESONet settles the same banking day, and each of these belongs to the rail below rather than to GCash |
| Published fees | On the first of each month the limit resets, and until PHP 8,000 per month has been cashed in over the counter across all OTC channels combined there is no charge, after which the excess costs 2 per cent. BPI charges PHP 15 and UnionBank PHP 10 for linked-bank cash-in via InstaPay, since the fee comes from the bank. From 7 March 2026, according to GCash, PayPal cash-in carries a flat 1 per cent; before that, the rate is 1 per cent for anything below PHP 20,000 and a flat PHP 200 for anything at or above it. You pay nothing on Payoneer cash-in or remittance claims. Pera Outlet agents levy a suggested fee of 1 per cent, left to the outlet to set, when the cash-in is at least PHP 100 |
Point-in-time is what the figures here are, and they were recorded 2026-09. The provider’s own page is the only current source, since payment providers revise limits and fees without notice.
How fast money actually moves
GCash settles wallet-to-wallet and InstaPay transfers move in real time, PESONet settles the same banking day, and each of these belongs to the rail below rather than to GCash. Waiting time usually comes from the operator’s own review, which can hold a withdrawal before it ever reaches GCash, so what that describes is the rail and not the casino.
A per-transaction cap is not published. None is published for this rail.
What GCash says about gambling transactions
If you look for a blanket ban on gambling merchants in GCash’s own terms and conditions you will not find one, only a general clause that bars pyramid and Ponzi schemes. The regulator is what drives such restrictions as do exist. GLife Games top-up and withdrawal ceased on GCash with effect from 16 August 2025, following BSP Memorandum M-2025-029 (14 August 2025), which required every BSP-supervised institution to remove in-app redirects and links to gaming and gambling sites within 48 hours.
Roughly 3,200 merchants have been blocked, GCash has reported, for abusing its QR system to steer users to illegal gambling and scam sites; separately, it states a policy of zero tolerance toward illegal gambling operators. Illegal-gambling-linked merchants, along with in-app gaming top-ups, face restraint from all of that. Whether GCash can fund a licensed casino’s cashier is something none of it states either way.
Verification tiers
- Basic — Cash in or buy load, and pay bills or scan to pay. No daily cap stated, but a PHP 10,000 wallet ceiling and PHP 5,000 in and PHP 5,000 out each month
- GCash Jr. — The Basic feature set applies here, and the users are aged 7 to 17. No more than PHP 50,000 in the wallet, PHP 10,000 coming in a month, and PHP 10,000 going out in a day and in a month
- Fully Verified — You also get the GCash card and pay online, and the services Borrow, GSave, GInvest, GInsure and GLife, together with bank transfer and send money. A ceiling of PHP 100,000 on the wallet, with PHP 100,000 in per month and PHP 100,000 leaving per day without any monthly cap
- GCash Plus — You need to be Fully Verified and have a bank or investment account linked. Daily outflow limited to PHP 100,000, monthly inflow to PHP 500,000, and the wallet balance to PHP 500,000
- GCash Platinum — Eligible Globe Platinum subscribers only. A wallet that holds PHP 1,000,000, takes in PHP 1,000,000 per month, and sends out PHP 500,000 daily or PHP 1,000,000 monthly
The published ceiling of The amount at Fully Verified level is PHP 100,000, counted at any given time. The full ladder climbs through Basic (PHP 10,000), GCash Jr (PHP 50,000), Fully Verified (PHP 100,000), GCash Plus (PHP 500,000) and finally GCash Platinum (PHP 1,000,000) applies to the tier stated above, not to every account.
Paying with GCash at WJ2
- The cashier at WJ2 is reached after you sign in.
- Among the payment methods the cashier lists for your account, pick GCash.
- Make sure the name on your WJ2 account matches the name on your GCash account.
- After you have checked the minimum, maximum and any fee shown on the cashier screen, confirm the amount.
Read the cashier screen ahead of every first deposit with a new method, because the live limits for your account are shown there.
Other payment rails explained here
- MayaA registered Operator of Payment System and an Electronic Money Issuer in the books of Bangko Sentral ng Pilipinas
- GrabPayBangko Sentral ng Pilipinas, the regulator that has had it licensed as an Electronic Money Issuer from 2018
- Bank TransferThe framework is the National Retail Payment System, established by Circular No. 980, and Bangko Sentral ng Pilipinas operates under it
FAQ
What is the GCash wallet limit?
The amount at Fully Verified level is PHP 100,000, counted at any given time. The full ladder climbs through Basic (PHP 10,000), GCash Jr (PHP 50,000), Fully Verified (PHP 100,000), GCash Plus (PHP 500,000) and finally GCash Platinum (PHP 1,000,000), at the tier the provider states. Lower tiers carry lower ceilings.
How do I pay with GCash at WJ2?
Open the cashier after signing in, then pick GCash from the methods it lists for your account. Confirm only after reading the limits in the cashier, and after making sure both accounts carry a matching name.
How long does GCash take?
The rail settles wallet-to-wallet and InstaPay transfers move in real time, PESONet settles the same banking day, and each of these belongs to the rail below rather than to GCash. Before releasing a withdrawal, an operator runs its own review, which is a separate step and usually takes longer.
Who regulates GCash?
GCash — regulation: An Electronic Money Issuer licensed through Bangko Sentral ng Pilipinas. That covers the rail, not the casino.