
To put money in Gcash online, you can use the Gcash mobile app, which is available for both Android and iOS devices. You can also use the Gcash website on your computer.
To get started, you'll need to log in to your Gcash account using your username and password, or you can use your fingerprint or face ID for a more secure and convenient experience.
Once you're logged in, you can select the "Add Money" option and choose from various payment methods, including bank transfer, credit or debit card, or over-the-counter cash payment at a participating bank or store.
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Different Ways to Fund Mobile Wallet
You can fund your GCash wallet in several ways. The easiest and most convenient way is through online cash-in options like credit/debit cards and online banking. All you need is a computer or a mobile device with an Internet connection.
There are two main methods to top up your GCash wallet: mobile money transfer and over-the-counter transactions. Mobile money transfer can be done through the GCash app, while over-the-counter transactions can be done at GCash Partner Outlets.
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If you prefer to load your GCash wallet in person, you can visit one of the many GCash Partner Outlets. Some of the over-the-counter partners include TouchPay, Pay&Go, and Shell SELECT.
You can also link your bank account or debit card to your GCash wallet to increase your wallet limit. With a linked bank account or debit card, you can cash in up to Php 500,000 a month. This limit applies to GCash users with fully verified accounts.
Here's a summary of the benefits of linking a bank account or debit card to your GCash wallet:
Using GCash
You can load your GCash wallet through various channels, including your bank account. Cashing in via BPI is free of charge, provided you have both an active BPI Online account and a fully verified GCash account.
To load GCash via BPI, you need to link your BPI account to your GCash wallet. This can be done by logging on to the GCash mobile app, clicking Profile, and selecting My Linked Accounts. You can then select BPI and enter your BPI username and password to link the two accounts.
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After successfully linking the two accounts, you can load your GCash via BPI by going back to the GCash dashboard and selecting Cash In. You can then input the amount you want to cash in and the details of the bank account you want to cash in from. Take note that BPI only allows a maximum of Php 50,000 of fund transfer per day, which also means the GCash daily cash-in limit for BPI users is Php 50,000.
Here are the steps to load GCash via BPI in a quick rundown:
Log on to the GCash mobile appClick Profile and select My Linked AccountsSelect BPI and enter your BPI username and passwordGo back to the GCash dashboard and select Cash InInput the amount you want to cash in and the details of the bank accountReview your cash-in details and confirm the transactionWait for the authentication code to be sent to your BPI-registered mobile numberInput the one-time password (OTP) and confirm the transaction
Alternatively, you can also load your GCash wallet using your bank card. Just tap "Cash In" on the GCash app home screen, select "Bank Cards" or "MasterCard / Visa Bank", and follow the on-screen instructions.
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Transaction Fee on Deposits
Cashing in via BPI, UnionBank, or PayPal account linked to your GCash wallet is free.
You can also cash in through Instapay using other banks, but be aware that service fees will vary per bank.
Loading your GCash wallet via bank card (Mastercard/Visa) will now incur a convenience fee of 2.58% starting July 6, 2020.
This means if you load your wallet with Php 100, the total amount deducted from your source account will be Php 102.58.
Over-the-counter cash-in transactions are free in GCash partner outlets, but only up to Php 8,000 every month.
Once you reach this monthly limit, you'll be charged a 2% service fee for each subsequent cash-in transaction.
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Using GCash
You can load your GCash wallet via BPI, and it's free of charge. Just make sure you have both an active BPI Online account and a fully verified GCash account.
To link your BPI account to your GCash wallet, log on to the GCash mobile app, click Profile, and select My Linked Accounts on the upper left corner of the screen.
Select BPI and enter both your BPI username and password to link your accounts. After successfully linking the two, you can now load your GCash via BPI.
The maximum amount you can cash in via BPI is Php 50,000 per day, but if you're a new GCash user, your daily cash-in limit will start at Php 15,000. Don't worry, it will increase to Php 50,000 in as fast as two weeks if you keep using GCash.
To load GCash via BPI, follow these steps:
- Go to the GCash dashboard and select Cash In.
- Under Online Banks, click on BPI.
- Input the amount you want to cash in and the details of the bank account you want to cash in from.
- Click Next to review the details before tapping on Confirm to continue with the transaction.
- Wait for an authentication code to be sent to your BPI-registered mobile number.
- Input the one-time password (OTP) and tap Submit to confirm.
Alternatively, you can load GCash using your card. Just tap "Cash In" on the GCash app home screen, select "Bank Cards" or "MasterCard / Visa Bank", and enter the amount to cash in.
Review your cash-in details and tap "CONFIRM" to proceed. You'll receive a text message confirming your successful cash-in transaction, and you can check your GCash balance to see if the money has been reflected in your account.
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Provide Requested Details
To proceed with the cash-in transaction, you'll need to provide some requested details. You'll be asked to log in to your online banking facility to confirm the transaction.
For online banking, you'll need to provide either your bank account's 6-digit PIN or your 11-digit GCash account/phone number. This is a standard security measure to ensure that the transaction is authorized by you.
If you're funding your GCash wallet through remittances, you'll need to provide the money transfer control number (MTCN) or transaction reference, which can be obtained from the sender. This is usually provided by the sender when they initiate the transfer.
Once you've provided the necessary details, the transaction will be processed, and you'll receive a confirmation message via SMS on the mobile number connected to your online banking and GCash account. This is a convenient way to confirm that the transaction has been completed successfully.
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Online Methods
You can load your GCash account through various online methods, making it a convenient way to fund your mobile wallet. Funding your GCash account through the mobile app is possible if you have a bank account enrolled in online banking, an existing balance in PayPal or Payoneer, or remittances sent by your loved ones.
If you want to load GCash with just a few taps on the app, you can choose from various mobile facilities, including online banking options like BPI, UnionBank, BDO, and more. The full list of mobile facilities includes 23 options, including BPI, UnionBank, BDO, RCBC, EastWest Bank, LandBank, PNB, AUB, Maybank, Metrobank, PBCOM, PSBank, UCPB, Security Bank, and others.
You can also use third-party remittance services like MoneyGram, Western Union, and others to load your GCash account, but be aware that these services may have additional fees and requirements.
Here are some of the online cash-in options available:
- BPI
- UnionBank
- BDO
- RCBC
- EastWest Bank
- LandBank
- PNB
- AUB
- Maybank
- Metrobank
- PBCOM
- PSBank
- UCPB
- Security Bank
- MoneyGram
- Western Union
Online Options
If you have a bank account enrolled in online banking, you can fund your GCash account through the mobile app.
You can use various online banking services to load your GCash account, including BPI, UnionBank, BDO, RCBC, EastWest Bank, LandBank, PNB, AUB, Maybank, Metrobank, PBCOM, PSBank, UCPB, and Security Bank.
Loading your GCash account through online banking is a convenient option, as it allows you to transfer funds directly from your bank account to your GCash wallet.
Here are some online banking services that you can use to load your GCash account:
- BPI
- UnionBank
- BDO
- RCBC
- EastWest Bank
- LandBank
- PNB
- AUB
- Maybank
- Metrobank
- PBCOM
- PSBank
- UCPB
- Security Bank
Alternatively, you can use third-party online services like MoneyGram and Western Union to load your GCash account.
You can also use online services like AliPayHK, Azimo, bWallet, Cross Remittance, Denarii Cash, EMQ Send, GmoneyTrans, Instant Cash, Payit, Remitly, Rocket Remit, SABB, SBI Remit, Siammali Remittance, Singtel Dash, Skrill, Telcoin, Transfer Galaxy, Wall Street Exchange, Warba Bank, and WireBarley to load your GCash account.
Linking E-Wallet Accounts
To link your Security Bank account to GCash and other e-wallets, you can follow these steps. First, you need to verify your account and add your bank card to GCash. This can be done by selecting "Cash In" on the GCash app and clicking on "Manage" on My Linked Accounts.
To add a card, click on "My Bank Cards" and select "Add a Card." Enter your card details and click "Add Card." You'll then receive a One Time Password (OTP) on your registered mobile number, which you'll need to submit to complete the process. This usually takes just a few minutes.
To link your bank card to GCash, you'll need to select "Cash In" and click on "Bank Cards" on My Linked Accounts. From there, you can enter your desired amount and select your Security Bank card as the source of the reload. Simply click "Submit" and review your details before confirming the transaction.
Here are the steps to link your bank card to GCash in a concise format:
- Select "Cash In" on the GCash app.
- Click on "Manage" on My Linked Accounts.
- Under it, click "My Bank Cards" and select "Add a Card."
- Enter your card details and click "Add Card."
- Click "Submit" and enter the One Time Password sent to your registered mobile number.
- Review your details and click "Confirm" to complete the transaction.
Adding a Card
To add a card to GCash, you'll need to have your bank card information ready. You can link your Visa or MasterCard to GCash by opening the GCash app and tapping the hamburger icon in the top-left corner of the screen.
First, select "My Linked Accounts" from the sliding menu that appears. Then, choose "My Bank Cards" and tap the "ADD CARD" button to continue.
Enter your card details: cardholder's name, 16-digit card number, expiry date, and CVV. Make sure that your card information is correct and then tap "ADD CARD."

You'll receive a text message once your card is successfully added to GCash. There are no fees when adding your card to GCash.
Here's a quick rundown of the steps:
- Open the GCash app
- Select "My Linked Accounts"
- Choose "My Bank Cards"
- Tap "ADD CARD"
- Enter your card details
- Tap "ADD CARD"
Note that not all cards can increase your GCash wallet limit. To cash in as much as Php 500,000 a month, you'll need to link a BPI, Unionbank, or any locally-issued, Mastercard/Visa-enabled debit card to your GCash wallet.
Over-the-Counter Options
You can load your GCash wallet through various over-the-counter options.
If you don't have access to online cash-in options, you can still load your GCash wallet through over-the-counter partners like TouchPay, Pay&Go, and Shell SELECT.
To find these partner outlets, you can log in to the GCash app and look at the options under the "Over the Counter" tab.
Some of the most popular GCash Partner Outlets include TouchPay, eTap, and Pay & Go.
You can also cash in at convenience stores like 7-Eleven, Ministop, AlfaMart, Puremart, Family Mart, and Shell SELECT.
To complete the transaction at these outlets, you'll typically need to provide a valid ID, your 11-digit GCash mobile number, and the desired amount you want to cash in.
Here are some of the over-the-counter options where you can load your GCash wallet:
- TouchPay
- Pay&Go
- Shell SELECT
- 7-Eleven
- Ministop
- AlfaMart
- Puremart
- Family Mart
Bank Partnerships
Loading money into your GCash account is convenient, especially with the help of bank partnerships. If you're a BPI Online account holder, you can link your account to your GCash wallet for free, as long as your GCash account is fully verified.
This will enable you to load your GCash via BPI, with a daily cash-in limit of Php 50,000. However, if you're a new GCash user, your daily cash-in limit will start at Php 15,000 and increase to Php 50,000 in just two weeks.
To link your BPI account to your GCash wallet, log on to the GCash mobile app, click on Profile, and select My Linked Accounts. Then, select BPI and enter your BPI username and password to complete the linking process.
BDO, on the other hand, requires a more manual process, as you can't link your BDO account to your GCash account. You'll need to use BDO Online Banking or the BDO Mobile Banking app to load your GCash.
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Here are the bank partnerships that support GCash loading:
- BPI: allows a maximum of Php 50,000 of fund transfer per day, with a daily cash-in limit of Php 50,000 for verified users and Php 15,000 for new users
- BDO: requires manual loading via BDO Online Banking or Mobile Banking app, with no daily cash-in limit specified
Adding to Your Wallet
To add funds to your GCash wallet, you can use either mobile money transfer through the GCash app or an over-the-counter transaction at a GCash Partner Outlet.
There are two ways to top up your GCash wallet.
GCash users with fully verified accounts can now cash in up to Php 500,000 a month by linking a BPI, Unionbank, or Mastercard/Visa-enabled debit card to their GCash wallet.
To link these accounts, simply open your mobile app, go to Profile, tap My Linked Accounts, and select BPI, Unionbank, or My Bank Cards.
The following won't increase your wallet limit if you link them to your GCash account: GCash Mastercard, Paypal, and American Express Virtual Pay card.
Here's a summary of how linking bank accounts or debit cards affects your GCash wallet limits:
This is a significant increase in the monthly wallet limit, from Php 100,000 to Php 500,000, making it easier to manage your finances with GCash.
Sources
- https://filipiknow.net/how-to-load-gcash/
- https://techpilipinas.com/how-to-load-gcash/
- https://www.finder.com.au/international-money-transfers/send-money-to-gcash-philippines
- https://help.securitybank.com/online-banking/online-banking-link-gcash-other-ewallet
- https://beep.com.ph/how-to-load-online-via-digital-banking-and-e-wallet/
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