For GCash users in the Philippines

GCash Fee Calculator

Estimate the fee before you cash in, cash out, transfer money, use PayPal, or buy load. No login, no account details, just the amount and method.

Check a fee View fee rules

Enter transaction details

Transaction type Method

Amount

PHP

OTC cash-in used this month

PHP

Custom bank fee

PHP

Past monthly free limit Use this for select power users after 500 sends/receives.

Data source: GCash fees page and GCash Help Center. Fee rules last checked: July 13, 2026. Fees can change, so confirm the final amount in the GCash app. This is an estimate, not a payment screen.

Quick comparison for this amount

Fee rules used in this calculator

Offline cash in

First PHP 8,000 per calendar month is free. The amount above that limit is charged 2%.

Bank transfer

GCash lists PHP 10 per bank transfer, effective July 4, 2026, with a PHP 50,000 max per transaction.

Cash out

The entered cash-out amount is what you receive. GCash deducts that amount plus the PHP 18 RCBC fee or the estimated 2% partner fee from your wallet.

PayPal / Payoneer

PayPal cash in is calculated at 1%. Payoneer is listed as free.

Send money

GCash lists no fee for the first 500 sends and receives per month, then PHP 5 for select power users.

Buy load

Globe and Smart have small fixed fees by load amount. DITO is listed as free.

Official references: GCash Services Fees GCash Cash In fees GCash GPO Cash Out guide

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