PHMAPALAD GCash — Limits, Fees & Settlement
GCash is a Philippine payment rail — regulation: An Electronic Money Issuer, a status granted to it by Bangko Sentral ng Pilipinas.
- Operator
- Mynt company G-Xchange, Inc., a joint venture of Globe Fintech Innovations with Ayala Corporation
- Regulator
- An Electronic Money Issuer, a status granted to it by Bangko Sentral ng Pilipinas
- Wallet limit
- PHP 100,000 is the ceiling for Fully Verified accounts, as measured at any given time. Every rung, from PHP 10,000 Basic and PHP 50,000 GCash Jr up through PHP 100,000 Fully Verified and PHP 500,000 GCash Plus to PHP 1,000,000 GCash Platinum
- Settlement
- instant for wallet-to-wallet and InstaPay transfers, and same banking day for PESONet, with both being traits of the rail beneath and not of GCash
- Figures as of
- 2026-09
Per-transaction cap: not published.
Philippine casino discussion mentions GCash all the time, and the figures that come with it usually originate from the casino instead of GCash. Every figure here comes from the provider’s own publication.
GCash at a glance
| Field | Value |
|---|---|
| Operated by | Mynt company G-Xchange, Inc., a joint venture of Globe Fintech Innovations with Ayala Corporation |
| Regulated by | Bangko Sentral ng Pilipinas |
| Wallet limit | PHP 100,000 is the ceiling for Fully Verified accounts, as measured at any given time. Every rung, from PHP 10,000 Basic and PHP 50,000 GCash Jr up through PHP 100,000 Fully Verified and PHP 500,000 GCash Plus to PHP 1,000,000 GCash Platinum |
| Per-transaction cap | Not published |
| Settlement | instant for wallet-to-wallet and InstaPay transfers, and same banking day for PESONet, with both being traits of the rail beneath and not of GCash |
| Published fees | Across all OTC channels combined, over-the-counter cash-in costs nothing up to PHP 8,000 a month; beyond that, the excess is charged at 2 per cent, and the allowance resets on the first of every month. PHP 15 applies at BPI and PHP 10 at UnionBank, set by the bank, for cash-in from a linked bank over InstaPay. GCash states that from 7 March 2026 the PayPal cash-in fee becomes a flat 1 per cent; for now it is 1 per cent below PHP 20,000 and a flat PHP 200 at or above that. Payoneer cash-in as well as remittance claims carry no charge. A suggested 1 per cent charged by Pera Outlet agents, decided by the outlet, with a PHP 100 minimum cash-in |
The figures on this page are recorded at one point in time, 2026-09. Limits and fees are revised by payment providers without notice, which leaves the provider’s own page as the single current source.
Verification tiers
- Basic — Bills, mobile load, cash in and scan to pay. A PHP 10,000 ceiling on the wallet, PHP 5,000 coming in and PHP 5,000 going out in a month, and no daily cap given
- GCash Jr. — Aimed at users between 7 and 17, with the Basic feature set. A wallet that holds up to PHP 50,000, with PHP 10,000 loaded monthly and PHP 10,000 withdrawn daily and monthly
- Fully Verified — Newly added are send money and bank transfer, plus pay online, then the GCash card, along with Borrow, GSave, GInvest, GInsure and GLife. PHP 100,000 as the most the wallet can hold, PHP 100,000 in per month and PHP 100,000 out per day, without any monthly limit on withdrawals
- GCash Plus — It suits Fully Verified users with a linked bank or investment account. Up to PHP 500,000 can sit in the wallet, with PHP 500,000 entering in a month and PHP 100,000 leaving in a day
- GCash Platinum — Eligible Globe Platinum subscribers only. A PHP 1,000,000 wallet ceiling, with up to PHP 1,000,000 coming in monthly and outflow of PHP 500,000 daily or PHP 1,000,000 monthly
The published ceiling of PHP 100,000 is the ceiling for Fully Verified accounts, as measured at any given time. Every rung, from PHP 10,000 Basic and PHP 50,000 GCash Jr up through PHP 100,000 Fully Verified and PHP 500,000 GCash Plus to PHP 1,000,000 GCash Platinum applies to the tier stated above, not to every account.
What GCash says about gambling transactions
Nothing in the terms and conditions from GCash bans gambling merchants outright; the closest general clause prohibits pyramid and Ponzi schemes. Those restrictions that do exist come from the regulator. BSP Memorandum M-2025-029, issued 14 August 2025, gave all BSP-supervised institutions 48 hours to take down in-app links and redirects leading to gambling and gaming sites, and GCash pulled its GLife Games top-up and withdrawal feature from 16 August 2025.
GCash states separately that it has zero tolerance for illegal gambling operators, and reports blocking roughly 3,200 merchants who misused its QR system to send users to illegal gambling and scam sites. The merchants it holds back are those tied to illegal gambling, and the in-app gaming top-ups; that is the effect of all of this. None of it says GCash may fund a licensed casino’s cashier, and equally none of it says GCash may not.
How fast money actually moves
GCash settles instant for wallet-to-wallet and InstaPay transfers, and same banking day for PESONet, with both being traits of the rail beneath and not of GCash. That speaks for the rail alone; the casino may hold a withdrawal for its own review before GCash is ever involved, and that review is where waiting usually comes from.
A per-transaction cap is not published. None is published for this rail.
Paying with GCash at PHMAPALAD
- Log in to PHMAPALAD, then go to the cashier.
- From the methods your account’s cashier lists, choose GCash.
- Your PHMAPALAD account name should be identical to the name on your GCash account.
- Before confirming the amount, look over the minimum, maximum and any fee shown in the cashier.
Live limits for your account are displayed on the cashier screen, which is why you should read it before the first deposit with every new method.
FAQ
How can I use GCash to pay at PHMAPALAD?
Log in, open the cashier, and pick GCash from the methods listed for your account. Both accounts need the same name, and the limits shown in the cashier should be checked prior to confirming.
What is the GCash wallet limit?
PHP 100,000 is the ceiling for Fully Verified accounts, as measured at any given time. Every rung, from PHP 10,000 Basic and PHP 50,000 GCash Jr up through PHP 100,000 Fully Verified and PHP 500,000 GCash Plus to PHP 1,000,000 GCash Platinum, at the tier the provider states. Lower tiers carry lower ceilings.
How long does GCash take?
The rail settles instant for wallet-to-wallet and InstaPay transfers, and same banking day for PESONet, with both being traits of the rail beneath and not of GCash. A review by the operator itself before it releases a withdrawal is a separate step, and it usually takes longer.
Does GCash charge fees?
Published fees: Across all OTC channels combined, over-the-counter cash-in costs nothing up to PHP 8,000 a month; beyond that, the excess is charged at 2 per cent, and the allowance resets on the first of every month. PHP 15 applies at BPI and PHP 10 at UnionBank, set by the bank, for cash-in from a linked bank over InstaPay. GCash states that from 7 March 2026 the PayPal cash-in fee becomes a flat 1 per cent; for now it is 1 per cent below PHP 20,000 and a flat PHP 200 at or above that. Payoneer cash-in as well as remittance claims carry no charge. A suggested 1 per cent charged by Pera Outlet agents, decided by the outlet, with a PHP 100 minimum cash-in. Providers revise these without notice.