Most online fund transfers today have a transaction fee, but there are still some ways to cash-in to your GCash e-wallet for free. GCash linked accounts and some digital banks still offer free transfer to GCash.
In this guide, it will show which accounts you can link to your GCash account for easy and free cash-ins. You can also check the list of digital banks with free GCash transfers. And other banks and e-wallets that offer top-up to your GCash but with an added convenience fee will also be shared here.
- Free Transfer to GCash
- With Fees
- Online/Digital Banks
- Other E-Wallets
- Over the Counter
- Global Partners and Remittance
GCash Linked Accounts
On the main dashboard of your GCash app, tap the Cash-in button and select Linked Accounts. It will then show the list of account that you can link to your GCash account. Here is the list:
- GCash Card – you can link up to 3 GCash card, you can link your GCash Mastercard and Virtual cards.
- American Express Virtual Pay – currently unavailable
- PayPal
- Payooner
- GCredit
- BPI
- Metrobank – currently unavailable
- UnionBank
- GlobeOne
From the above list, there are two banks that are currently available to be linked: BPI and UnionBank. If you have account from these two banks, you can link it to GCash. But, take note that you must have an online access to these accounts as it is required to login to complete the linkage.
BPI-Linked Account
For BPI account holders, here is the steps on how to link your account to GCash or click here to read the complete guide.
And to know how to cash-in to your linked BPI account, here is the guide you can follow.
UnionBank-Linked Account
And for those with Union Bank accounts, follow the steps below to successfully link your account. Take note that if you do not link your Union Bank account and use the Union Bank mobile app, there is an additional fee of P10 per transaction.
And after your first successful cash-in with the linked accounts, for the succeeding transaction, you are not required to login to your Unionbank account but OTP is still needed for security purposes.
BPI Mobile Banking app
If you do not want to link your BPI, you can still transfer to your GCash account using the BPI Mobile Banking app.
- On the main dashboard of your BPI app, tap the left menu and select Load E-Wallet under Payments/Load.
- Enter the required details to transfer money to your GCash or any GCash account:
- Source Account. Select your BPI Account
- E-Wallet: Select GCash from the list
- Reference Number: Enter the GCash account number or mobile number
- Load Amount; Input the amount you want to transfer
- Review details and confirm the transaction.
- Enter your BPI 6-digit PIN Code.
- The transaction is successful and will display the details of the fund transfer.
Digital Banks
CIMB
If you have a CIMB account, you can also transfer to GCash for free via the app. Go to fund transfer, select GCash and enter the required details to complete the transfer.
You can also link you GSave account to CIMB for easy transfer to and from GCash. If you do not have a GSave account yet, it is a savings account that you can find in GCash app which is powered by CIMB. Once you have activated your GSave, you can link this to your CIMB app. Then, it will be easier now to transfer to your CIMB account to GCash via GSave.
To apply for a GSave account, on the main dashboard of GCash, taps GSave icon. A list of partner banks will be displayed. Select GSave by CIMB and complete the details needed to open an account.
Once you got a GSave account, you can link it to CIMB app. Just click the Link my GSave or GCredit account below the login button and follow the on-screen instructions to complete the linkage.
Seabank
SeaBank, offered by SeaBank Philippines, Inc. (A Rural Bank) is a mobile banking application that enables you to manage your finances seamlessly on your mobile phone, anytime and anywhere. You can send and receive transactions from both SeaBank and non-SeaBank users, all while earning competitive interest rates with no additional fees and no minimum balance. (Source)
To transfer money to GCash from your SeaBank account via InstaPay, on the main dashboard of the app, select Pay/Transfer button, then select E-Wallet and choose GCash. Enter the GCash account number or mobile number, account name and amount to be transferred. Confirm the transaction and enter your password to complete the transfer. As you can see in below screenshot, transfer fee is FREE.
Tonik
To send money from your Tonik account to your GCash or any GCash account, tap the Send button on the main dashboard and select InstaPay as a payment option. The transfer fee is zero, means it’s FREE. Enter the GCash details and confirm the transaction to complete the process.
ShopeePay
Same with SeaBank and Tonik, ShopeePay via the Shopee app also offers free transfer to GCash.
If you do not have the above accounts, here are the list of online banks, digital banks, and e-wallets that you can do transfer via InstaPay with an additional fee.
| Online Banking/Mobile App | Transaction fee as of 02 Nov 2022 |
| BDO Digital Banking App | PhP 25.00 |
| BDO Online website | PhP 25.00 |
| BPI Mobile App | Free |
| ChinaBank Mobile App | PhP 10.00 |
| Landbank Mobile App | PhP 25.00 |
| Metrobank Mobile App | PhP 25.00 |
| PSBank Mobile App | PhP 15.00 |
| RCBC Mobile App | PhP 25.00 |
| RBank Mobile App | PhP 10.00 |
| Security Bank Mobile App | PhP 25.00 |
| UnionBank Mobile App | PhP 10.00 |
| Digital Banking/Mobile App | Transaction fee as of 02 Nov 2022 |
| BDO Pay | PhP 10.00 |
| CIMB | Free |
| Diskartech | PhP 8.00 |
| KOMO | PhP 8.00 |
| Netbank | PhP 25.00 |
| SeaBank | Free |
| Tonik | Free |
| Other E-Wallets | Transaction fee as of 02 Nov 2022 |
| Coins.ph | PhP 10.00 |
| GrabPay | PhP 15.00 |
| Maya | PhP 15.00 |
| ShopeePay | Free |
| GCash Linked Account | Transaction fee as of 02 Nov 2022 |
| BPI Linked Account | Free |
| UnionBank Linked Account | Free |
And for other cash-in option, you can top-up your GCash via over-the-counter payment center and through global partners and remittance. A convenience fee may apply using these options and the fee varies per payment center.
Over-the-Counter
- All Day Supermarket
- Choice Mart
- Easy Day Shop
- Ever Supermarket
- Gaisano Grand
- Puregold
- Robinsons Easymart
- Shopwise
- SM Group of Supermarkets
- The Marketplace
- Robinsons Department Store
- SM
- Generika
- Mercury Drug
- Southstar Drug
- Watsons
- Petron
- Seaoil
- No Brand
- Angkas
- LBC Express
- eTap
- Pay&Go
- TouchPay
- Cebuana
- CVM Pawnshop
- Jaro Pawnshop
- Palawan
- RD Pawnshop
- Tambunting
- Villarica
- AllBank
- AllCash
- Bayad Center
- DA5
- ECPay
- ExpressPay
- Globe Store
- Growsari
- HanepBuhay
- iBayad
- Panalo Express
- PERA HUB
- Posible
- TrueMoney
- VIP Payments Center
- 7-Eleven
- AlfaMart
- Family Mart
- Ministop
- Puremart
- Shell SELECT
Global Partners and Remittance
- PayPal
- Payooner
- MoneyGram
- Western Union
- AliPayHK
- Azimo
- bWallet
- Coinshot
- Cross Remittance
- EEC
- EMQ Send
- Far East Express
- Global Remit
- GmoneyTrans
- Instant Cash
- JRF
- LMI
- Lulu International Exchange
- Pacific Ace
- Panda Remit
- PayIt
- Remitly
- Rocket Remit
- SABB
- SBI Remit
- Sendwave
- Siammali Remittance
- Singtel Dash
- Skrill
- Telcoin
- TikFX
- TNG
- Transfer Galaxy
- Wall Street Exchange
- Warba Bank
- WireBarley
- Wise
- Xoom
Send money from GCash
And, if you want to transfer or send money from your GCash account to other e-wallets, online bank and digital bank via InstaPay, there is a convenience fee of P15 per transaction. In your GCash app, tap Send icon on the main dashboard and select Transfer to send money to other e-wallets and online/digital banks.
New with GCash?
For those new with GCash, it is a mobile application that turns your mobile phone into a virtual wallet. This app is safe and secure wherein you have easy and fast transactions with their offered services. With GCash, you can purchase Globe or TM load, settle your monthly bills, and send money to your loved ones, anytime, anywhere.
With fully verified GCash account, you can explore and use the features available in the app. And the first thing you need to do is to fund your GCash account. There are various ways to cash-in to your GCash either over-the-counter or online transaction.
Download GCash app here
Keypoints and Takeaways
- Link your BPI or Union Bank account to your GCash account for easy and free cash-in
- Activate your GSave and create an account and link it to CIMB app, for free and easy transfer from and to GCash
- If you do not like to link your BPI in GCash app, you can still fund GCash for free using BPI Mobile Banking app
- If you use Union Bank mobile app to fund GCash, there is a PhP 10 fee added, so better to link it to your GCash for free cash-in
- Free cash-in to GCash from SeaBank, Tonik, and ShopeePay via InstaPay fund transfer (as of November 2022)
- If you have a BDO account, send money to GCash using the BDO Pay for a PhP 10 fee instead of the BDO Digital Banking app or BDO Online website which charge PhP 25 per transaction (as of November 2022)
- Other online/digital banks and e-wallets not mentioned above apply a convenience fee per transaction that varies from Php 8 to Php 25 (as of November 2022)