MEGAPERYA GCash — Limits, Fees & Settlement
GCash is a Philippine payment rail — regulation: It answers to Bangko Sentral ng Pilipinas, the regulator that licenses it as an Electronic Money Issuer.
- Operator
- Formed jointly by Ayala Corporation and Globe Fintech Innovations, Mynt counts G-Xchange, Inc. among its companies
- Regulator
- It answers to Bangko Sentral ng Pilipinas, the regulator that licenses it as an Electronic Money Issuer
- Wallet limit
- A Fully Verified account can't exceed PHP 100,000, a figure taken from the balance at any moment. GCash Platinum sits at the summit with PHP 1,000,000, below it GCash Plus at PHP 500,000, Fully Verified at PHP 100,000, GCash Jr at PHP 50,000, and Basic at the base with PHP 10,000
- Settlement
- immediate settlement covers wallet-to-wallet and InstaPay, same-day settlement covers PESONet, and the rail underneath
- Figures as of
- 2026-09
Per-transaction cap: not published.
Who runs GCash, how it’s licensed, and what it publishes about limits and fees — that’s what follows about it as a payment method.
GCash at a glance
| Field | Value |
|---|---|
| Operated by | Formed jointly by Ayala Corporation and Globe Fintech Innovations, Mynt counts G-Xchange, Inc. among its companies |
| Regulated by | Bangko Sentral ng Pilipinas |
| Wallet limit | A Fully Verified account can’t exceed PHP 100,000, a figure taken from the balance at any moment. GCash Platinum sits at the summit with PHP 1,000,000, below it GCash Plus at PHP 500,000, Fully Verified at PHP 100,000, GCash Jr at PHP 50,000, and Basic at the base with PHP 10,000 |
| Per-transaction cap | Not published |
| Settlement | immediate settlement covers wallet-to-wallet and InstaPay, same-day settlement covers PESONet, and the rail underneath — not GCash — is responsible for both |
| Published fees | Across combined OTC channels, over-the-counter cash-in is free to PHP 8,000 each month, 2 per cent on whatever exceeds it, with the first of the month bringing a reset. PHP 15 at BPI and PHP 10 at UnionBank make up what each bank charges for InstaPay cash-in from a linked account. As of 7 March 2026, GCash states its flat 1 per cent will take over PayPal cash-in pricing, replacing the existing 1 per cent below PHP 20,000 and flat PHP 200 at or above it. Payoneer doesn’t charge for cash-ins, and remittance claims come at no cost either. Once a cash-in through Pera Outlet agents clears the PHP 100 floor, a 1 per cent charge kicks in — a rate the outlet itself proposes |
What’s shown here reflects a single moment — 2026-09 — not something tracked live. Limits and fees can shift at any payment provider with zero warning, so its own page remains the only place with current numbers.
Verification tiers
- Basic — Load top-ups, cash-ins, bill payments and scan-to-pay all fall within scope here With a PHP 10,000 wallet ceiling and PHP 5,000 permitted each way monthly, no figure is stated for a daily cap
- GCash Jr. — For someone aged 7 through 17, the Basic feature set is what applies Outbound transfers are capped at PHP 10,000 per day and per month, inbound at PHP 10,000 monthly, and the wallet itself never exceeds PHP 50,000
- Fully Verified — Send money, the GCash card, pay online and bank transfer arrive alongside GInsure, GLife, GSave, GInvest and Borrow. At PHP 100,000 apiece, the wallet ceiling and monthly inflow line up, and daily outflow matches that figure too, minus any monthly restriction
- GCash Plus — A bank or investment account linked to a Fully Verified profile is what this needs PHP 100,000 is as far as daily withdrawals go, while PHP 500,000 covers both the wallet cap and the monthly deposit limit
- GCash Platinum — Eligible Globe Platinum subscribers only. A wallet ceiling of PHP 1,000,000 comes with PHP 1,000,000 monthly in, PHP 1,000,000 monthly out and PHP 500,000 daily out
The published ceiling of A Fully Verified account can’t exceed PHP 100,000, a figure taken from the balance at any moment. GCash Platinum sits at the summit with PHP 1,000,000, below it GCash Plus at PHP 500,000, Fully Verified at PHP 100,000, GCash Jr at PHP 50,000, and Basic at the base with PHP 10,000 applies to the tier stated above, not to every account.
What GCash says about gambling transactions
No blanket prohibition on gambling merchants appears anywhere in GCash’s terms and conditions; the general clause nearest to it bars pyramid and Ponzi schemes Any restriction encountered here was put there by the regulator Issued 14 August 2025, BSP Memorandum M-2025-029 compelled every BSP-supervised institution to clear in-app gambling and gaming links and redirects inside a 48-hour span, and GCash’s GLife Games top-up and withdrawal feature came down as of 16 August 2025
Separately, illegal gambling operators face a zero-tolerance policy from GCash, which also says roughly 3,200 merchants were blocked after misusing its QR system to funnel users into illegal gambling and scam sites. In-app gaming top-ups end up restrained by all that, right along with illegal-gambling-linked merchants. This makes no claim, in either direction, about whether GCash may be used to fund a licensed casino’s cashier.
How fast money actually moves
GCash settles immediate settlement covers wallet-to-wallet and InstaPay, same-day settlement covers PESONet, and the rail underneath — not GCash — is responsible for both. Waiting time on a withdrawal usually comes down to an operator’s own review, which can hold the funds back before GCash ever receives them; that delay sits with the rail rather than with the casino.
A per-transaction cap is not published. None is published for this rail.
Paying with GCash at MEGAPERYA
- Log into your MEGAPERYA account, then head to the cashier.
- In your account’s cashier, GCash is one of the payment methods listed — pick it there.
- Make sure the name on your MEGAPERYA account matches the name on your GCash account.
- Scan the cashier screen for its minimum, maximum and any fee before you lock in the amount.
Your account’s current limits live on the cashier screen — give it a look ahead of trying any payment method for the first time.
Other payment rails explained here
- MayaBangko Sentral ng Pilipinas, carrying both an Electronic Money Issuer designation and Operator of Payment System registration
- GrabPayAn Electronic Money Issuer designation from Bangko Sentral ng Pilipinas has been in place since 2018
- InstaPayBangko Sentral ng Pilipinas covers this through its National Retail Payment System framework
- PESONetBangko Sentral ng Pilipinas oversees this under the National Retail Payment System framework
- Over-the-Counter Cash AgentsBangko Sentral ng Pilipinas under its money service business rules, and the Anti-Money Laundering Act
FAQ
Does GCash charge fees?
Published fees: Across combined OTC channels, over-the-counter cash-in is free to PHP 8,000 each month, 2 per cent on whatever exceeds it, with the first of the month bringing a reset. PHP 15 at BPI and PHP 10 at UnionBank make up what each bank charges for InstaPay cash-in from a linked account. As of 7 March 2026, GCash states its flat 1 per cent will take over PayPal cash-in pricing, replacing the existing 1 per cent below PHP 20,000 and flat PHP 200 at or above it. Payoneer doesn't charge for cash-ins, and remittance claims come at no cost either. Once a cash-in through Pera Outlet agents clears the PHP 100 floor, a 1 per cent charge kicks in — a rate the outlet itself proposes. Providers revise these without notice.
How do I pay with GCash at MEGAPERYA?
After signing in, open the cashier and choose GCash among the methods listed for your account. The account names need to match, and the cashier's displayed limits deserve a check, both before you confirm.
What is the GCash wallet limit?
A Fully Verified account can't exceed PHP 100,000, a figure taken from the balance at any moment. GCash Platinum sits at the summit with PHP 1,000,000, below it GCash Plus at PHP 500,000, Fully Verified at PHP 100,000, GCash Jr at PHP 50,000, and Basic at the base with PHP 10,000, at the tier the provider states. Lower tiers carry lower ceilings.
How long does GCash take?
The rail settles immediate settlement covers wallet-to-wallet and InstaPay, same-day settlement covers PESONet, and the rail underneath — not GCash — is responsible for both. Operators run their own review before they release a withdrawal, a step apart from the rest and usually the slower one.