89PHP GCash — Limits, Fees & Settlement
GCash is a Philippine payment rail — regulation: An Electronic Money Issuer under licence from Bangko Sentral ng Pilipinas.
- Operator
- G-Xchange, Inc., a Mynt company
- Regulator
- An Electronic Money Issuer under licence from Bangko Sentral ng Pilipinas
- Wallet limit
- Fully Verified: PHP 100,000, with the amount measured at any given time. The whole ladder goes PHP 10,000 Basic, then PHP 50,000 GCash Jr, PHP 100,000 Fully Verified, PHP 500,000 GCash Plus and finally PHP 1,000,000 GCash Platinum
- Settlement
- real time applies to wallet-to-wallet and InstaPay transfers, the same banking day to PESONet, and both come from the rail underneath, not GCash
- Figures as of
- 2026-09
Per-transaction cap: not published.
GCash as a payment method is the topic below, including who runs it, what it is licensed as, and what it publishes about limits and fees.
GCash at a glance
| Field | Value |
|---|---|
| Operated by | G-Xchange, Inc., a Mynt company (a joint venture between Globe Fintech Innovations and Ayala Corporation) |
| Regulated by | Bangko Sentral ng Pilipinas |
| Wallet limit | Fully Verified: PHP 100,000, with the amount measured at any given time. The whole ladder goes PHP 10,000 Basic, then PHP 50,000 GCash Jr, PHP 100,000 Fully Verified, PHP 500,000 GCash Plus and finally PHP 1,000,000 GCash Platinum |
| Per-transaction cap | Not published |
| Settlement | real time applies to wallet-to-wallet and InstaPay transfers, the same banking day to PESONet, and both come from the rail underneath, not GCash |
| Published fees | Cash-in over the counter costs nothing for the first PHP 8,000 each month, counted across every OTC channel combined, and the excess is charged at 2 per cent; the count resets on the first of each month. InstaPay cash-in from a linked bank carries a bank charge of PHP 15 at BPI and PHP 10 at UnionBank. GCash states that PayPal cash-in, which is 1 per cent below PHP 20,000 and a flat PHP 200 at or above it, becomes a flat 1 per cent from 7 March 2026. Claims for Payoneer cash-in and remittance are free of charge. A minimum PHP 100 cash-in at Pera Outlet agents costs a suggested 1 per cent, with the outlet setting the charge |
2026-09 is when these figures were recorded, and they stand for that moment only. A provider can revise its limits and fees without notice, which leaves its own page as the only current source.
How fast money actually moves
GCash settles real time applies to wallet-to-wallet and InstaPay transfers, the same banking day to PESONet, and both come from the rail underneath, not GCash. What this describes is the rail and not the casino: before a withdrawal ever reaches GCash, an operator may hold it for its own review, and that review is usually the source of the waiting time.
A per-transaction cap is not published. None is published for this rail.
What GCash says about gambling transactions
A general clause barring pyramid and Ponzi schemes is the nearest GCash’s own terms and conditions come to it, as they contain no blanket ban on gambling merchants. Regulation drives the restrictions that do exist. Within 48 hours, every BSP-supervised institution had to remove in-app links and redirects to gambling and gaming sites under BSP Memorandum M-2025-029, dated 14 August 2025; GCash ended its GLife Games top-up and withdrawal feature as of 16 August 2025.
On illegal gambling operators, GCash separately states a policy of zero tolerance, and it has reported blocking roughly 3,200 merchants that exploited its QR system to send users on to illegal gambling and scam sites. Merchants linked to illegal gambling and in-app gaming top-ups are both restrained by all of that. Neither a permission for GCash to fund a licensed casino’s cashier nor a prohibition on it appears anywhere in it.
Verification tiers
- Basic — You can scan to pay, cash in, buy load or pay bills. Per month, PHP 5,000 in and PHP 5,000 out under a PHP 10,000 wallet ceiling, and no stated daily cap
- GCash Jr. — Basic feature set, for users aged 7 to 17. Wallet cap PHP 50,000; inflow PHP 10,000 per month; outflow PHP 10,000 per day and PHP 10,000 per month
- Fully Verified — The additions are Borrow, GSave, GInvest, GInsure and GLife, plus send money, bank transfer, pay online and the GCash card. PHP 100,000 in per month and PHP 100,000 out per day, with no monthly cap on outgoing, under a PHP 100,000 wallet ceiling
- GCash Plus — Meant for Fully Verified users that hold a linked bank or investment account. PHP 500,000 in per month, PHP 100,000 out per day, and a wallet ceiling of PHP 500,000
- GCash Platinum — Eligible Globe Platinum subscribers only. Wallet cap PHP 1,000,000; inflow PHP 1,000,000 per month; outflow PHP 500,000 per day and PHP 1,000,000 per month
The published ceiling of Fully Verified: PHP 100,000, with the amount measured at any given time. The whole ladder goes PHP 10,000 Basic, then PHP 50,000 GCash Jr, PHP 100,000 Fully Verified, PHP 500,000 GCash Plus and finally PHP 1,000,000 GCash Platinum applies to the tier stated above, not to every account.
Paying with GCash at 89PHP
- Sign in at 89PHP and open the cashier.
- From the payment methods in your account’s cashier list, pick GCash.
- Make sure the name on your 89PHP account matches the name on your GCash account.
- Before confirming the amount, check the minimum, maximum and any fee shown on the cashier screen.
Live limits for your account appear on the cashier screen, so make reading it a step before every first deposit with a new method.
Other payment rails explained here
FAQ
Who regulates GCash?
GCash — regulation: An Electronic Money Issuer under licence from Bangko Sentral ng Pilipinas. That covers the rail, not the casino.
How do I pay with GCash at 89PHP?
Choose GCash among the methods listed for your account in the cashier, which you reach after signing in. Make sure both accounts show the same name, and look at the limits displayed in the cashier prior to confirming.
What is the GCash wallet limit?
Fully Verified: PHP 100,000, with the amount measured at any given time. The whole ladder goes PHP 10,000 Basic, then PHP 50,000 GCash Jr, PHP 100,000 Fully Verified, PHP 500,000 GCash Plus and finally 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 real time applies to wallet-to-wallet and InstaPay transfers, the same banking day to PESONet, and both come from the rail underneath, not GCash. Apart from that, an operator carries out its own review before it releases a withdrawal, and this review is usually the longer wait.