How To Use GCash App 2022: Utility, Money-In, and Extra

1. Log in to your GCash app.
2. Click on the Profile icon on the decrease proper nook of the house display screen.
3. Click on the Confirm Now button slightly below your title and account/cellular quantity.
4. Click on the Get Totally Verified button.
5. Choose the legitimate ID you may have available (see the earlier part for an entire record of legitimate IDs accepted for GCash verification). Take a photograph of your ID, ensuring that it’s inside the digital camera body. Click on Submit.
6. Have your picture taken. Earlier than taking a selfie, make sure that you’re in a well-lit room and your face is positioned inside the body.
7. Present any lacking info within the partially crammed registration kind. Click on Subsequent to evaluation all the knowledge offered. As soon as every thing is full, tick the field to just accept the Phrases and Situations. Lastly, click on Verify.
8. Look forward to half-hour to your utility to be reviewed. You’ll obtain a textual content message confirming that your GCash account has been absolutely verified.

GCash account verification by way of a Associate GCash Outlet

1. Go to the closest Globe retailer or any GCash associate outlet like Villarica Pawnshop and Tambunting Pawnshop. Don’t overlook to carry a sound ID.
2. Fill out and submit the GCash kind for account verification.
3. Have your picture taken.
4. Look forward to a affirmation message by way of textual content that your account has been verified and that you just’ve been included within the KYC database.

3. Load your GCash pockets

A newly registered and absolutely verified GCash account has a month-to-month pockets restrict of PHP 100,000.

This PHP 100,000 month-to-month pockets restrict solely applies to incoming transactions (e.g., cash-in, obtain cash, and many others.). Whereas absolutely verified customers don’t have a month-to-month restrict to their outgoing transactions (e.g., cash-out/withdraw, on-line purchases, and many others.), there’s a every day outgoing restrict of PHP 100,000.

In June 2020, GCash introduced that customers can now enhance their GCash pockets restrict from PHP 100,000 to PHP 500,000 by linking their checking account (BPI or UnionBank) or any locally-issued, Mastercard/Visa-enabled debit card to their fully-verified GCash wallets.

To hyperlink your checking account or debit card to your GCash pockets, merely open your GCash app, click on the Profile icon on the decrease proper nook of the house display screen, and faucet on My Linked Accounts. Choose BPI or UnionBank and fill out the required info. You need to obtain a textual content message immediately or as much as seven days confirming that your pockets restrict has elevated.

Take word that the PHP 500,000 pockets restrict solely applies to month-to-month incoming transactions. Customers who’ve efficiently linked their financial institution accounts to GCash nonetheless haven’t any month-to-month outgoing restrict and the every day outgoing restrict stays PHP 100,000.

There are numerous choices to prime up or load your GCash account. You are able to do it both via cellular cost amenities accessible within the GCash app or by going to any GCash Associate Retailers (GPOs) like Globe Shops, SM Enterprise Heart, Villarica Pawnshop, and 7-Eleven Cliqq Kiosks, simply to call a couple of.

For extra info on tips on how to load your GCash pockets,  please go to this hyperlink. 

4. Begin utilizing GCash to your desired transaction

With a GCash app put in in your smartphone, you may proceed along with your desired transaction in only a few faucets.

To begin utilizing GCash, launch the cellular app and log in along with your 4-digit GCash MPIN. On the dashboard, click on the icon comparable to the service you need to use. For each transaction you make, you’ll obtain a affirmation message by way of textual content from 2882.

Apart from the app, you may also entry GCash providers by dialing *143# in your cell phone and choosing the numbers comparable to GCash and its providers of your alternative.

For on-line providers/purchases that require a debit card and don’t have GCash on their record of cost choices, you may nonetheless use your GCash fund by linking your account to a number of of the next:

• GCash Mastercard
• American Specific Digital Pay
• PayPal
• BPI
• UnionBank

To hyperlink your GCash pockets to any of the web cost options above, click on the Profile icon on the decrease proper nook of the house display screen and select My Linked Account from the sidebar.

Right here’s a abstract of the issues you are able to do with GCash:

a. Make purchases on-line or on-ground

So long as the web retailer or buying web site has GCash as one among its cost choices, you may merely try your bought gadgets and pay straight utilizing your accessible GCash funds.

You may pay with GCash for buying at or utilizing the providers of:

For these with out GCash as a cost possibility, you may also pay utilizing a GCash Mastercard, GCash American Specific Digital Pay card, or PayPal linked to your GCash account.

The GCash American Specific is a digital debit card ideally used for paying for gadgets bought from U.S. shops. It additionally comes with the free U.S. tackle courtesy of My Buying Field that you need to use for all of your delivery wants.

Should you want to buy on the bottom, there are additionally associate retailers that settle for GCash. Merely search for slightly signage that claims “GCash Accepted Right here” on the entrance door or close to the cashier. It’s also possible to try this record to be taught whether or not the shop of your alternative accepts GCash funds or not.

To pay to your gadgets with GCash, launch the app in your smartphone, scan the QR code on the counter, and kind within the amount of cash you’re going to pay. For every transaction you make utilizing the GCash QR, you’ll get to take pleasure in 10% cashback.

b. Pay payments

With GCash, you may pay virtually any payments with out leaving your house.

To pay payments, log in to the GCash app and faucet Pay Payments. Choose the Biller Class after which the particular Biller that you just need to settle the payments with. Enter the requested info and proceed with the transaction.

It’s also possible to faucet the center signal beside the title of the biller so as to add it to your Favorites. You may then simply entry these saved billers underneath My Saved Billers every time you pay your payments sooner or later, saving you time within the course of.

Right here’s a listing of payments you may pay via GCash:

• Electrical utilities (e.g., Meralco)
• Water utilities (e.g., Manila Water, Maynilad, and many others.)
• Cable/Web (e.g. SkyCable)
• Telecoms (together with hour Globe AT HOME and Globe Postpaid payments)
• Credit score Playing cards (e.g., BDO Mastercard or Visa bank card, BPI Credit score Card, and many others.)
• Loans (e.g., House Credit score)
• Authorities (e.g., NBI Clearance, BIR, DFA passport appointment, Pag IBIG, SSS contribution, and many others.)
• Insurance coverage (e.g., Cocolife, Manulife, Philamlife, and many others.)
• Transportation (e.g. AirAsia and Cebu Pacific)
• Actual Property (e.g. Camella Houses, Crown Asia, DMCI Houses, and many others.)
• Healthcare (e.g., Medicard)
• Faculties (e.g. Adamson, Miriam Faculty, UE, and many others.)
• Others (entry your GCash app for more information).

c. Purchase load

GCash app will also be used to load up any cellular quantity from any community, be it Globe, TM, or Good.

With this characteristic, you now not must go to the closest comfort retailer to purchase a name and textual content card. You may even flip your GCash app right into a cellular loading enterprise, too!

Right here’s tips on how to load any cellular quantity straight out of your smartphone:

1. Log in to your GCash app.
2. Faucet on Purchase Load.
3. Enter the cellular quantity you need to load up or faucet on the phonebook icon and choose the specified quantity out of your record of contacts. Click on Subsequent.
4. Enter a worth or select from any of the denominations offered. Click on Subsequent.
5. Verify the cost to finish the transaction.

When you have zero GCash pockets steadiness however can’t money in but, you may also avail your self of the Borrow Load characteristic. To entry this, merely faucet the identical Purchase Load icon in your GCash app dashboard.

You’re allowed to borrow PHP 10 or PHP 20 value of normal load. It’s also possible to select from the totally different load combos with a most quantity of PHP 20.

When you get the load, ensure that to money in as quickly as doable to pay again the mortgage. You need to pay the quantity you owe two days after the “Borrow Load” transaction was accomplished.

Replace: As of September 2021, the Borrow Load characteristic is now not accessible in GCash.

d. Ship or switch cash

So long as you may have cash in your GCash pockets, you may ship or switch any quantity to anybody wherever.

You may switch cash to a different GCash consumer in 4 methods:

• Specific Ship – if you wish to immediately ship cash to a different GCash consumer with none transaction charges.
• Ship by way of QR – use this to ship cash by scanning, producing, or importing a QR code.
• Ship with a Clip – for many who want to customise the best way they ship their GCash cash. With this characteristic, you may ship GCash to your family members together with an connected video, picture, or voice recording.
• Ship Reward – a handy option to ship items within the type of GCash to your pals and family members throughout particular events.

In the meantime, if the receiver doesn’t have a GCash account but, you may also ship cash to any of the GCash associate banks.

Merely faucet the Financial institution Switch possibility, select the title of the financial institution, and enter the specified quantity together with the receiver’s account title and quantity.

Faucet Ship Cash to finish the transaction.

Then again, a brand new characteristic known as GCash Padala lets you ship cash to a receiver who doesn’t have a checking account or a GCash account. All you want is the recipient’s title and speak to quantity. The recipient can simply declare the cash at one among over 17,000 GCash-partner shops nationwide.

Associated Article: The way to Select a Financial institution: An Final Information to the High Banks within the Philippines

e. Withdraw cash

“Money-out” is the method of withdrawing your GCash and changing it into bodily cash.

You do that once you’ve earned sufficient GCash in your pockets and also you need to take out a portion of it and both spend or reserve it in a checking account. No matter your cause, you may withdraw the cash in 3 ways:

• ATM Withdrawal – if in case you have a GCash Mastercard, you may money out your cash by going to any Bancnet or Mastercard ATM.
• BPI Financial savings Account – when you’re a BPI financial savings account holder, you may simply switch your GCash to your checking account by dialing *119# in your cellphone.
• Over-the-Counter – for these with neither a checking account nor a GCash Mastercard, proceed to any GCash Associate Outlet to withdraw your cash. These embody pawnshops resembling Villarica, Tambunting, RD Pawnshop, and Palawan Pawnshop; Puregold Grocery store; and cost amenities resembling Bayad Heart and Expresspay.

f. Use credit score

GCash also can work as a bank card once you run out of cash and must pay for one thing urgently. With GCredit, you need to use GCash for purchases even if in case you have zero steadiness and easily pay for it later.

Nonetheless, GCredit will solely work if in case you have an up to date/verified e mail tackle in addition to a excessive GScore.

The GScore is a belief rating tied to your GCredit and relies on the variety of your GCash transactions. Mainly, the extra typically you employ GCash to purchase load, pay payments, and make purchases, the upper your GScore will likely be.

With a excessive GScore, you may earn a credit score restrict that begins with PHP 1,000 which may enhance to as much as PHP 10,000.

READ: The way to Use GCredit in GCash: A Fast Information

g. Take loans

Take loans utilizing the GLoan characteristic of GCash that lets you borrow as much as PHP 25,000 to start out a small enterprise, pay payments, store on-line, and much more. The loaned quantity may be cashed out via your checking account and is payable in 9 to 12 months.  The relevant rate of interest is 2% to 4% month-to-month.

Solely GCash customers who’re already certified to make use of GCredit can take pleasure in GLoan. 

h. Use its “Purchase Now, Pay Later” characteristic

With GCash’s GGives characteristic, now you can purchase gadgets from any GCash Associate Retailers and pay them in an installment of three, 6, or 12 months. You may borrow as much as PHP 30,000 with an rate of interest of 0% to 4.99% month-to-month (the shorter the interval, the decrease your curiosity can be!).

Not like GLoan, you can’t money out your GGives borrowed quantity. As a substitute, you may solely use it as an offline cost possibility by scanning the GCash Associate Service provider’s QR code.

i. Use your steadiness to purchase cryptocurrency

GCash can be accessible as a cost possibility for numerous common crypto exchanges resembling Binance, Paxful, and PDAX. Because of this as you choose GCash as a cost technique to your crypto purchases within the aforementioned platforms, the quantity will likely be deducted out of your e-wallet steadiness.

j. Avail of GCash Professional to improve what you are promoting operations

Entrepreneurs who use GCash might additional take pleasure in its providers via GCash Professional. A service underneath GCash Professional is BizStarter99, a month-to-month subscription-based program that gives customers with the next perks:

• Upgraded month-to-month pockets restrict of PHP 500,000
• Insurance coverage protection of not exceeding PHP 50,000
• 5 free financial institution transfers (save as much as PHP 75 month-to-month from financial institution transfers)
• GLoans rate of interest rebates as much as 10%
• Cost Hyperlinks, a characteristic that permits prospects to pay you thru hyperlinks that they are going to obtain via messaging apps

Though this characteristic is finest really useful for entrepreneurs, each fully-verified GCash consumer is eligible for GCash Professional. The subscription prices PHP 99 per 30 days.

How To Maintain Your GCash Account Safe

Regardless of GCash’s relentless efforts to curb scammers, there’ll at all times be malicious actors who’re prepared to use each potential loophole within the nation’s main cellular pockets. From well-known personalities to extraordinary residents struggling to get by, nobody is proof against on-line scams focusing on GCash.

Subsequently, to forestall your self from being a part of the statistic, you additionally must do your half in defending your account. Listed here are a number of the proactive methods to make sure your account is protected against GCash scammers:

1. By no means share your GCash private knowledge with anybody, particularly on-line

All the time keep in mind that GCash or any of its representatives will NEVER ask you to offer the next info:

• MPIN – the 4-digit code that serves as your GCash password.
• OTP – the 6-digit one-time password that GCash sends to your registered cellular quantity every time you log in to your account or verify numerous bank-related transactions.
• CVV/CVC – the 3-digit PIN behind your GCash Mastercard.

Scammers normally resort to phishing frauds to steal any or the entire private particulars listed above. This implies they are going to pose as GCash or a trusted entity and dupe you into verifying your account by way of e mail, answering faux surveys, becoming a member of faux contest emails, or filling out kinds by way of Messenger to steal your private knowledge.

Should you obtain any of those messages or turn out to be a sufferer your self, please report it to GCash instantly by calling its buyer help hotline at 2882 or by submitting a ticket to assist.gcash.com.

2. Log in to your GCash account utilizing biometric authentication as a substitute of MPIN

Since MPINs are very straightforward to steal, why not entry your GCash account utilizing traits which might be uniquely your individual? With the brand new biometric authentication, that is now doable.

As soon as activated, the biometric authentication will allow you to log in by way of fingerprint or Face ID as a substitute of MPIN which you’ll be able to simply overlook or divulge to fraudsters. Logging in is comparatively quicker since all it’s a must to do is place your finger in your cellphone display screen or have your facial options scanned to entry your account. Extra importantly, biometrics are uniquely yours so you may safely log in wherever with out the concern of a hacker stealing your login credentials or thieves cracking your cellphone open in case it will get stolen.

To begin logging in to your GCash account utilizing your fingerprint or Face ID, observe these steps:

1. Make certain the biometric authentication characteristic is offered in your cellphone and is already activated as this will likely be built-in with GCash. In any other case, you received’t have the ability to see the Biometrics Login possibility in your GCash app.
2. Set up the GCash app. If it’s already put in in your cellphone, make sure you’re utilizing the most recent and up to date model.
3. Log in to your GCash app and faucet Profile on the backside proper nook of your display screen.
4. Click on Settings on the sidebar menu.
5. Choose Biometrics Login underneath Safety.
6. Toggle Allow Biometrics Login to activate biometric authentication in your GCash app.
7. Encode the 6-digit authentication code despatched to your registered cellular quantity and click on Submit.
8. Log off after which log again in utilizing your biometrics. Understand that you’ll be prompted to offer your MPIN after three consecutive failed login makes an attempt along with your biometrics. In the meantime, the biometric authentication will likely be mechanically disabled as soon as your reset your MPIN or click on Forgot MPIN.

3. Observe or just like the official GCash social media pages to get the most recent advisories towards GCash scams

GCash scams are available in a wide range of kinds. Happily, each fraudulent exercise reported to GCash is made public via the most recent advisories launched to the official GCash social media accounts. The aim of those advisories is to warn all GCash customers of the varied modus operandi that scammers use to steal GCash accounts.

In line with Chito Maniago, the GCash vice chairman of Company Communications and Public Affairs as of this writing, GCash additionally releases SMS and app notifications to advise customers towards clicking fraudulent pages, donation hyperlinks, and monetary help provides in addition to the hazards of sharing their account particulars. Maniago additionally assures the general public that faux social media advisories and accounts are shortly taken down as quickly as they’re dropped at their consideration.

Ideas and Warnings

• The MPIN or Cellular Private Identification Quantity is a four-digit passcode that you’ll use in all of your GCash transactions–from preliminary registration to each time you entry the GCash app. That is the only most necessary info tied to your GCash account so be sure you don’t decide a quantity mixture that could be very straightforward to guess. Furthermore, by no means share your MPIN with anybody and delete all messages containing it.
• There’s no minimal steadiness required to maintain your GCash account energetic. The utmost steadiness, then again, varies relying in your degree of verification. Non-verified GCash customers get a most month-to-month pockets restrict of solely PHP 50,000 whereas absolutely verified customers have as much as PHP 500,000 month-to-month pockets restrict.
• The pockets restrict doesn’t cowl the mixed incoming and outgoing transactions (e.g., cash-in, payments cost, financial institution switch, cash-out, and many others.) that you just’ll do each month. For absolutely verified customers, for instance, there’s a PHP 100,000 month-to-month restrict for cash-in/incoming transactions whereas there’s no month-to-month restrict for cash-out/outgoing transactions. So when you’ve already despatched PHP 100,000 (outgoing) this month, you may nonetheless use GCash for cash-in and different incoming transactions.
• Since June 2020, GCash has elevated its pockets restrict from Php 100,000 to Php 500,000 for customers who would hyperlink their BPI, Unionbank, or any locally-issued, Mastercard/Visa-enabled debit card to their GCash wallets. Take word that this improve doesn’t apply to GCash wallets which were linked to GCash Mastercard, Paypal, and American Specific Digital Pay playing cards.
• Though GCash funds/steadiness don’t expire, it is strongly recommended that you just preserve your account energetic by utilizing GCash in your on-line or offline transactions. In any other case, leaving your account inactive for over 6 months might finally result in both account closure or computerized deduction of your funds to cowl the dormancy price.
• Maintain your self up to date with the most recent advisory to keep away from utilizing GCash throughout a system improve. You’ll normally obtain a textual content message or an replace by way of the GCash Fb web page forward of time, informing you that there will likely be service downtimes on chosen dates. When GCash is upgrading its methods, all its providers are quickly disabled so it’s necessary to know when and the way lengthy it’s going to occur.
• Keep away from leaving an enormous amount of cash in your GCash app when you’re a first-time consumer who by no means tried cellular wallets earlier than. Begin by cashing-in smaller quantities, say PHP 10,000 to pay payments, after which decide to increased worth transactions as you turn out to be extra aware of the GCash app and its providers. Bear in mind, there’s at all times that threat of constructing errors once you’re utilizing GCash for the very first time.
• Use a steady Web for seamless GCash transactions. Additionally, attempt to keep away from utilizing GCash, or any monetary transactions for that matter, everytime you’re linked to public wi-fi.
• Don’t take note of phishing emails containing hyperlinks that, when clicked, will allow the scammer to realize entry to your GCash account. Most of those e mail messages go straight to your SPAM folder however there are few that escape the web and wreak havoc on customers. Keep away from them like a plague.
• You need to use GCash overseas to ship cash to the Philippines however you want a roaming SIM for it to work.
• As of this writing, you may’t use GCash to load a retailer SIM. GCash can solely be used to buy common load.
• GCash has a characteristic known as GCash Forest the place you may convert your accrued Inexperienced Power Factors into an actual tree to be planted in Ipo Watershed. You may earn these factors by strolling to work and finishing GCash transactions that scale back your carbon footprint (e.g., paying payments on-line as a substitute of driving to a financial institution that makes use of a whole lot of paper to print out receipts). Because of this initiative, GCash, in partnership with DENR and WWF, was in a position to plant its first 365,000 native timber in Ipo Watershed in 2021. So use GCash commonly and also you’ll have the ability to help the re-forestation of Metro Manila’s main water supply.

Ceaselessly Requested Questions

1. What’s GCredit and the way can I exploit it?

2. How can I enhance my GCash credit score restrict?

3. Can I exploit GCash with Good quantity?

4. How can I money in or ship cash to GCash via 7-Eleven?

5. How do I declare cash from GCash?

6. How can I get a GCash Mastercard?

7. Can I exploit my GCash Mastercard overseas?

8. How can I withdraw cash from GCash Mastercard?

9. Can I cash-out GCash with out a card? How?

10. Can an everyday load be transformed to GCash?

11. Can I’ve a couple of GCash account?

12. How a lot is the price for GCash cash-out?

13. Is there a price for GCash cash-in?

14. How can I get monetary savings in GCash?

15. How can I make investments and earn cash in GCash?

16. How can I ship cash via GCash?

17. How can I switch cash from BDO to my GCash account?

18. How can I switch cash from BPI to my GCash account?

19. How can I pay payments utilizing Gcash?

20. How do I pay with GCash QR when buying or shopping for groceries?

21. How do I pay tax with GCash?

22. How can I pay my SSS contribution via GCash?

23. How do I ebook a film on GCash?

24. How a lot is the month-to-month pockets restrict for GCash?

25. Is GCash switch real-time?

26. How can I pay for my Cebu Pacific flight reserving via GCash?

27. I’m having points with GCash. How can I contact GCash buyer help? What’s the up to date GCash hotline?

28. How can I pay my PLDT invoice utilizing GCash?

29. How can I pay Netflix utilizing GCash?

30. How can I hyperlink my PayPal account to my GCash account?

31. How can I switch cash from PayPal to GCash?

32. How can I switch cash from GCash to PayPal?

33. What are the alternative ways to earn cash utilizing GCash?

References.