As a regular GCash user, it pays to be aware of the GCash transaction limits for common activities such as cash ins, withdrawals and fund transfers. Knowing the daily or monthly GCash limit helps you to avoid minor inconveniences when transferring money to and from your wallet. It also lets you know if it’s the right time to verify and upgrade your GCash account in order to unlock more features and lift any account restrictions and limitations.
Mobile wallet applications like GCash have definitely made our lives easier, allowing us to instantly send and receive money with a few taps of the screen. All you need is a smartphone and you can send money to anyone with a GCash account wherever they are in the Philippines. However, that doesn’t mean that you can transfer as much money as you want, because there are limits to how much you can send or receive in a day or a month.
Your GCash transaction limits depend on your verification level. If you are an unverified GCash user at the basic level, you can only have a maximum wallet limit of ₱50,000 and monthly incoming and outgoing limits of ₱10,000 each. Upgrading your GCash account to fully verified allows you to increase your cash in limit to ₱100,000 per month. Fully verified users can also send up to ₱100,000 per day.
What’s more, if you link your fully verified GCash account to BPI, UnionBank or Payoneer, you will raise your wallet limit and monthly cash in limit to ₱500,000. Linking your GCash wallet is a one-time process that usually requires entering your bank account credentials on the GCash app. We recommend linking your GCash account as it not only increases your transaction limits but also makes it easier to top up or cash in to your wallet.
If you are a new GCash user with a basic or unverified account, you can conveniently upgrade your account by submitting to a one-time verification process or “Know Your Customer” procedure. You will need to provide a photo of your valid ID and take a selfie picture. Read this article for a step-by-step guide on how to verify and upgrade your GCash account.
Table of Contents
Table of GCash Transaction Limits
Refer to the table below for the GCash limits on wallet balance and incoming and outdoing transactions.
|Limit||Basic (Unverified)||Fully Verified||Fully Verified with Linked Account||Enterprise|
|Maximum Wallet Balance||₱50,000||₱100,000||₱500,000||₱500,000|
|Daily Incoming Limit||None||None||None||None|
|Monthly Incoming Limit||₱10,000||₱100,000||₱500,000||₱500,000|
|Daily Outgoing Limit||None||₱100,000||₱100,000||₱100,000|
|Monthly Outgoing Limit||₱10,000||None||None||None|
|Yearly Outgoing Limit||₱100,000||None||None||None|
What is the GCash Wallet Limit?
The wallet limit refers to the maximum amount of money you can hold in your GCash wallet at any given time. The wallet limit for basic accounts is ₱50,000 while fully verified accounts have a wallet limit of ₱100,000. Fully verified users with linked accounts enjoy a maximum wallet limit of ₱500,000.
The GCash wallet limit is applied on a per customer basis, not on a per wallet basis. This means that you can have two or more GCash accounts or wallets, but the wallet limit will not be multiplied by the number of accounts you have.
The wallet limit refreshes every month and reverts to the full amount on the first day of the month. For example, if you’re a fully verified user with ₱60,000 balance, your remaining wallet limit for the month is ₱40,000 but will go back to ₱100,000 the next month.
What are Transaction Limits?
The transaction limit is the maximum total amount that you can transact within a specified period of time. GCash limits are assigned on a daily, monthly or yearly basis, and are dependent on your account type or verification level (e.g. basic, fully verified).
Similar to the wallet limit, GCash transaction limits are on a per customer basis, not on a per wallet basis, and cannot be multiplied by possessing two or more GCash accounts.
The monthly transaction limit refreshes every month and reverts to the full amount on the first day of the month. For example, if you’re a fully verified user with a ₱100,000 monthly incoming limit and you have already cashed in a total of ₱80,000, you can only receive a maximum of ₱20,000 for the remainder of the month. On the next month, your incoming limit will reset and you can receive up to ₱100,000.
The daily transaction limit is obviously the maximum total amount that you can transact in a single day. The daily limit resets on the following day.
Incoming Transaction Limits
The incoming transaction limit (or cash in limit) is the maximum total amount that you can receive within a month. Examples of incoming transactions are the following:
- Receive money from other GCash accounts
- Transfers from bank accounts (e.g. BDO, BPI, Metrobank, UnionBank, etc.)
- Transfers from other digital wallets (e.g. PayMaya, Coins.ph, GrabPay, etc.)
- Cash in via over-the-counter partners (e.g. Palawan Pawnshop, Tambunting, Bayad Center, 7-Eleven, etc.)
- PayPal and Payoneer withdrawals
Basic accounts have a monthly incoming limit of ₱10,000 while fully verified users are limited to ₱100,000 in incoming transactions per month. Fully verified users with linked accounts and enterprise users can cash in or receive up to ₱500,000 per month. There are no daily incoming limits in GCash.
Outgoing Transaction Limits
The outgoing transaction limits is the maximum total amount that you can spend or transfer out in a day, month or year. Here are some examples of outgoing transactions in GCash:
- Send money to another GCash wallet
- GCash Padala transfers
- Transfers to other mobile wallets (PayMaya, Coins.ph, GrabPay)
- Transfers or withdrawals to bank accounts (e.g. BDO, BPI, UnionBank)
- Cash out via over-the-counter payment partners (e.g. Villarica, Tambunting, Puregold)
- Online shopping and in-store purchases
- Online bills payments
- Prepaid load purchases
- GCash MasterCard ATM withdrawals
- Save money in GSave
- Invest money in GInvest
For fully verified, fully verified with linked accounts and enterprise users, the daily outgoing limit is pegged at ₱100,000 while there are no monthly and yearly outgoing limits. Basic users have a monthly outgoing limits of ₱10,000 and a yearly outgoing limit of ₱100,000. Basic users cannot send money but can pay bills and buy load.
How to Check Your GCash Limit
As of this writing, there is no convenient way to check your remaining transaction limit on the GCash app. However, you can determine your remaining GCash limit by adding up all your transactions for the month and then subtracting the amount from your account’s transaction limit.
To view your transaction history, just click the “Activity” tab on the GCash app. All your incoming and outgoing transactions are listed there, although take note that your latest transactions may not be included since it takes up to 24 hours for transactions to reflect in your account.
Adding up all your transactions and sorting them into incoming and outgoing transactions might be too slow and time-consuming, but there’s a simpler way to do this. What you can do is to request a copy of your transaction history and have it sent to your email.
Just tap the mail envelope icon on the “Transaction History” screen and enter the following:
- Email To – Enter the email where the copy of your transaction history will be sent (this is auto-filled in most cases).
- No. of Days – Select “Custom.”
- From – Select the first date of the month (e.g. September 1, 2021)
- To – Select the end date
After a while, you will receive an email with a copy of your transaction history in PDF format. Download and open the PDF document using its password (read the email to know your password).
Scroll down to the bottom of the document and below “Ending Balance,” you will see the following data:
- Total Debit – Total outgoing transactions
- Total Credit – Total incoming transactions
What you have to do is to determine your monthly incoming limit (check the GCash transaction limits table above) and then subtract the total credit from it. That will tell you how much money you are allowed to receive or cash in for the remaining days of the month.
Maximum Incoming Limit – Total Credit = Remaining Incoming (or Cash in) Limit
In this example, the total credit (total incoming transactions) for September 1-17, 2021 is ₱48,835.49. Because the user is fully verified with linked accounts, the maximum incoming limit is ₱500,000 per month. Therefore, the remaining incoming limit for the rest of the month is ₱451,164.51 (500,000.00 – 48,835.49 = 451,164.51).
Likewise, for outgoing transactions, you can simply subtract the total debit from your outgoing limit.
Maximum Outgoing Limit – Total Debit = Remaining Outgoing Limit
How to Increase Your GCash Limit
The best way to increase your GCash limit is to upgrade your account to fully verified if you’re still a basic user. Full verification will unlock all the features in the app including the ability to withdraw money, send money to other GCash users, cash in from online banking accounts, apply for a GCash MasterCard, and many more.
Upgrading your GCash account from basic to fully verified will raise your wallet limit from ₱50,000 to ₱100,000, and your monthly incoming limit (or cash in limit) from ₱10,000 to ₱100,000. It will also remove monthly and yearly limits for outgoing transactions. Read this guide on how to verify and upgrade your GCash account.
If you’re already a fully verified user, you can link your GCash account to your BPI, UnionBank or Payoneer account to increase your wallet limit and monthly incoming limit from ₱100,000 to ₱500,000. Read this article to learn how to link GCash to BPI. If you have a UnionBank account, check out this article on how to link GCash to UnionBank.
You can also increase your wallet limit to ₱500,000 by opening a GSave or GInvest account and depositing or investing at least ₱100. PayPal, GCash MasterCard and American Express Virtual Pay are not considered linked accounts and will not increase your wallet and transaction limits.
If you unlink all of your linked accounts, your limits will revert to ₱100,000 after two business days. If you want to revert to the lower limit without unlinking your accounts, just create a support ticket. Your request will be processed within 7 business days.
Transaction limits have their purpose as they help GCash comply with anti-money laundering laws and prevent abuse. However, these limits and restrictions can cause inconvenience especially if you need to send money to your loved ones or have important bills to pay. The easy solution is to upgrade your GCash account to fully verified status or better yet, link your account to BPI, UnionBank or Payoneer to enjoy the maximum ₱500,000 limit. That is more than enough for most individual and non-business users.
If you have any questions and concerns about GCash transaction and cash in limits, call the GCash customer support hotline 2882 (for Globe subscribers) or (02) 7730-2882 (for non-Globe subscribers). You may also email [email protected] or submit a support ticket.