GCash, that all-in-one popular e-wallet you have pinned on your phone, has become a staple for 94 million people and over 139,000 partner merchants. But did you know that there’s more you can do besides making payments? From investing and saving to getting insurance and loans, learn how to maximize all the app’s features with this guide to GCash.

GCash delivers essential financial services, and it’s become a lifesaver for millions of Filipinos without traditional bank accounts.

The app’s biggest draw is convenience. For example, you skip long lines and traffic jams by managing your finances on your phone. That means more time for what matters most—family, friends, and pursuing your passions.

Explore how you can send money to friends, family, customers, suppliers, and others, whether they have a GCash account or not.

Send to Another GCash User

Need to send money to someone or pay for something online? GCash has plenty of options to send money quickly and easily.

• Send to Any GCash Account
  • Express Send: Transfer money instantly to any GCash user. You can send money using their GCash number, mobile number, or QR code.
  • Send to Many: Paying multiple people has become less of a chore. GCash allows you to send money to up to 50 people with just a few taps—perfect for splitting bills and paying group expenses.
• Send Through Partners
  • GCash Padala: Even if the recipient has no GCash account, you can still send them money through GCash Padala. They can claim the funds at any of GCash's partner outlets nationwide.
• Request Money
  • Generate QR: Create a personalized QR code that others can scan to send you money. It’s a convenient and safe way to receive payments without sharing your GCash number.
  • Request Money: Is someone paying you back? Send a request directly through the GCash app. They'll receive a notification and can respond by sending you money with a few taps.

Generate a QR Code

QR codes offer a fast, secure, and convenient way to send and receive money with GCash. Here's how you can use them:

• Create a unique QR code that others can scan to send you money. Your personalized QR code never expires, so you can use it repeatedly.
• Scan or upload a QR code to pay for purchases at stores, restaurants, and other establishments. This is helpful for sending money to someone who sent you their QR code.
• Generate a QR/barcode for your GCash account to receive payments easily and securely. You can also use this to pay at stores by letting the cashier scan it.
• Pay abroad with Alipay+ QR code. GCash is part of the Alipay+ network, which means you can use your GCash app to pay at millions of merchants worldwide that accept Alipay+. Simply scan the Alipay+ QR code at the checkout to make a payment. It's a convenient and secure way to pay while traveling.

Transfer Money to Any Bank

Enjoy instant transfers, low fees, and access to a vast network of partner banks across the Philippines. Say goodbye to high bank charges and lengthy processing delays—GCash simplifies bank transfers, so you can easily manage your finances.

Paying bills and buying essentials just got easier! Discover how to use GCash to pay for various goods and services.

Buy Load for Any Network

Running out of mobile credit or topping up your data? GCash makes buying load for yourself or others easy, anytime and anywhere.

• Mobile Load: Top up your prepaid mobile phone for Globe, TM, GOMO, and more. Choose from a variety of denominations and promos to suit your needs. You can even buy load for your friends and family members.
• Broadband Load: Keep your internet connection running smoothly by buying broadband load for your GFiber Prepaid, Home Prepaid WiFi, and other broadband providers.
• Non-Telco Load: GCash also allows you to purchase load for other services, such as:
  • Cable TV: Pay your cable TV subscription with providers like Cignal and SatLite, and even purchase prepaid kits for both.
  • Gaming: Top up your favorite online games with game credits.
  • Entertainment: Enjoy your favorite movies, shows, and online content by subscribing to services like Crunchyroll, Vivamax, Viva One, Viu, Kumu, iQIYI, BelN Sports Connect, and Da Vinci Kids.
  • Health: Access affordable healthcare with prepaid insurance from KonsultaMD, JuanLife, and MWell.
  • Learning: Boost your skills with online courses from Upskillist.
  • Dating: Find your perfect match on Tinder.

Pay Bills

Skip the hassle of queuing at payment centers with GCash. You can easily manage due dates and schedule payments in one place. Here’s a look at what you can pay through the app:

• Utilities: Settle your electricity, water, and internet bills fuss-free. GCash supports major providers like Globe, Meralco, Maynilad, Manila Water, and more!
• Credit cards: Pay your credit card bills on time and avoid late fees.
• Loans: Make loan repayments conveniently through the app.
• Government: Settle government dues such as taxes, SSS contributions, and PhilHealth premiums.
• Insurance: Pay your insurance premiums with a few taps.
• Transportation: Top up your beep™ card for convenient commuting.
• Real estate: Pay for your rent or mortgage.
• Healthcare: Settle your medical bills from partner hospitals and clinics.
• Schools: Pay for your tuition and other school fees.
• And More: GCash supports many billers, including payment solutions, retail stores, and other services.

Find or Sell a Service with Gigs

Looking to earn extra income or find skilled professionals for your projects? GCash simplifies the search with Gigs by Raket.PH. Explore a wide range of freelance services directly within the app's integrated gig platform. Categories include:

• Graphics & Design
• Lifestyle
• Music & Audio
• Writing & Translation

You can also offer your services and get hired. Just sign up as a freelancer on Raket.PH and start earning money!

Short on cash? GCash offers convenient borrowing options to help you cover emergency expenses or temporary shortfalls.

Get Instant Credit with GCredit

GCredit is your personal credit line within the app. You can use it to shop now and pay later at partner merchants or to pay your bills. To access GCredit, you must be a fully verified GCash user with a good GScore. The more you use GCash, the higher your credit limit becomes. Remember to use GCredit responsibly and pay on time to avoid fees.

Here's how to access and use GCredit:

1. Use GCash regularly for transactions like sending money, paying bills, and buying load.
2. Tap on "Borrow" on the GCash dashboard, then select "GCredit."
3. Use your GCredit to pay for purchases at partner merchants or settle your bills.
4. Choose from flexible repayment options to suit your budget.

Shop Now and Pay Later Using GGives

Are your funds a little low right now? GGives allows you to get what you need at partner merchants with flexible installment plans and 0% interest. No downpayment, credit card, or documents needed! Just make sure you're a fully verified GCash user and meet the eligibility requirements.

To get started:

1. Choose GGives at checkout when shopping at a partner merchant.
2. Select the repayment terms that suit your budget.
3. Enjoy your purchase and pay for it in installments.

Borrow Money with GLoan

If you need more cash for an urgent expense or a big purchase, GLoan offers a convenient way to borrow money from your GCash app.

Here’s what you need to know:

1. Ensure you're a fully verified GCash user, between 21 and 65 years old, and with a good credit record.
2. Tap on "Borrow" on the GCash dashboard, then select "GLoan."
3. If you meet the criteria, you could get approved for a loan of up to ₱125,000.
4. You'll find the approved loan amount in your GCash wallet.
5. Make monthly repayments with a low interest rate, starting at 1.59% (or as low as ₱265 per month).

Borrow Load for Urgent Needs

Short on cash but want to top up your mobile or broadband load urgently? GCash has you covered with its Borrow Load feature. Get load instantly and pay it back later.

Here’s the breakdown:

1. Check your eligibility to make sure you meet the requirements:
   • Fully verified GCash account
   • Filipino citizen with a valid ID
   • 21 to 65 years old
   • Verified email address
   • Qualified GScore and good credit history
2. Go to “Load” on your GCash dashboard, then select "Borrow Load."
3. Choose the type of load you want (mobile or broadband) and the amount.
4. Review and confirm the details. The load will be credited to your account instantly.
5. Pay back the borrowed amount in two days without interest or service fees.

GCash empowers you to take charge of your financial future. Explore the different ways you can invest, save, and grow your money within the app.

Have Peace of Mind with GInsure

GCash offers various affordable insurance products with GInsure, partnering with leading providers like Singlife, Sun Life, Standard Insurance, and more. You'll find many options, including medical coverage, life insurance, job protection, and pet insurance!

Eligibility criteria vary depending on the specific insurance product. Generally, you'll need to be a fully verified GCash user within a certain age range, a Filipino citizen or legal resident of the Philippines, and in good health (specific conditions may apply).

To start:

1. Click on "GInsure" on the GCash dashboard.
2. Choose a category in Marketplace.
3. Pick the insurance product you want.
4. Select your preferred coverage plan.
5. Review and confirm your details.
6. Confirm your payment.

Grow Money with GFunds

Ready to start investing, but don't know where to begin? The beginner-friendly GFunds makes it easy. You only have to verify your account, and then you can explore a range of investment funds from trusted providers, starting with just ₱50. There are no commissions or sales fees; you can manage everything within your GCash app.

Here’s how to use GFunds:

1. Go to "GFunds" in your GCash app.
2. Complete the registration and risk assessment.
3. Once you complete the process, you’ll see your risk profile assessment result.
4. Explore the available funds and start investing.

Explore Cryptocurrency with GCrypto

If you’re interested in cryptocurrency, check out GCrypto! You can buy, sell, and explore coins and tokens, trade with a user-friendly interface, and access educational resources. You can even discover valuable Non-Fungible Tokens (NFTs). Remember, cryptocurrency investments are subject to market risks. Do your research before investing.

Getting started is easy:

1. Go to "GCrypto" in your GCash app.
2. Complete the one-time registration.
3. Start buying and selling crypto.

Invest with GStocks PH

GStocks PH partners with the Philippine Stock Exchange and AB Capital Securities to offer a seamless and user-friendly platform for buying, selling, and monitoring your investments.

Here's what you can do with GStocks:

• Buy and sell shares of over 280 companies listed on the Philippine Stock Exchange.
• Begin your investment journey with a minimum investment of just ₱50.
• Manage your portfolio easily. Track your investments, view real-time market data, and access research reports.
• Easily add funds to your GStocks account or withdraw your earnings with no fees.

To start building your investment portfolio:

1. Go to "GInvest" in your GCash app and select "GStocks PH."
2. Register for an account with AB Capital Securities.
3. Start exploring and investing in your favorite companies.

Save Money with GSave

Build your savings quickly and conveniently with GSave and CIMB. With GSave, you can enjoy:

• No Minimum Balance: Start saving with any amount you have.
• High Interest Rate: Earn a competitive interest rate of 2.6% per annum.
• Easy Access: Manage your savings anytime, anywhere, right from your GCash app.
• Auto-Deposit: Set up automatic deposits to consistently reach your savings goals.

GSave offers a variety of savings accounts from BPI, UNO, and Maybank, each with its own features and benefits. To start saving, tap "GSave" on the GCash dashboard and follow the instructions.

GCash is more than just bills and payments. It's also your gateway to exciting experiences and rewards like:

• Lucky Load: Win prizes and get discounts when you buy load.
• A+ Rewards: Earn rewards points for your Alipay+ transactions.
• GDeals: Discover exclusive deals and discounts from various merchants.
• Games: Play fun and engaging games within the GCash app.
• Wellness: Access health and wellness services.
• Earn Money: Explore opportunities to earn extra income.
• Jobs: Find job openings and apply directly through GCash.
• Ship & Deliver: Send and receive packages with ease.
• Play: Book tickets for movies, events, and other entertainment.
• Travel: Plan your trips and book flights and hotels.

Plant a Tree with GForest

Did you know you can help the environment while using GCash? With GForest, you can plant virtual trees that have real-life counterparts, contributing to reforestation efforts across the Philippines. These include Mangroves in Tañon Strait and Coconuts in Soccsksargen and General Santos. Each tree requires a different number of green energy points.

Here's how it works:

1. Earn green energy points every time you use GCash for transactions like buying load, sending money, or paying bills.
2. Collect your points in your GForest within 24 hours of your transaction.
3. Plant a virtual tree in GForest once you have enough points. GCash and its partners will plant a real tree in a designated area.

Order Food and Shop Online with GLife

GLife integrates mini apps from various merchants and brands within the GCash dashboard. This means you can shop and use the services of local online stores without leaving the app. For instance, if you need to buy something from Lazada, you can use the Lazada mini app within GCash.

GLife is constantly expanding, with many lifestyle brands offering online shops, food delivery services, airline booking, gadgets, groceries, and more. You can pay for your GLife purchases using your GCash balance or other linked payment methods in the GCash ecosystem, such as American Express Virtual Pay.

To explore “GLife,” just tap on its icon on the GCash dashboard.

Stay on top of your finances with GCash's convenient management tools.

• Profile: Update your information, link bank accounts, and manage security settings.
• Transactions: View your transaction history and download statements.
• Pera Outlet: Manage your outlet transactions and earnings (for Pera Outlet partners).
• GCash Jr: Help your children learn about managing money (for users aged 7-17).
• GCash Card: Link and manage your physical GCash Mastercard or Visa Card.

To access these features, tap "View All Services" on the dashboard and look for the “Manage” section.

GCash makes it quick and easy to add funds to your account! Here are the main ways you can cash in:

• Local Banks: Cash in directly from BPI, UnionBank, and other partner banks. Link your bank account to your GCash app for seamless transfers.
• Over-the-Counter: Cash in at thousands of locations nationwide, including Globe stores, 7-Eleven, Cebuana Lhuillier, Puregold, and more. You can also use your Mastercard or Visa debit card to cash in at 7-Eleven using the CLiQQ kiosk.
• Global Banks and Partners: Transfer funds from international banks or claim remittances using reference numbers. You can receive money from abroad through partners like PayPal, MoneyGram, and Western Union.

To see a complete list of GCash's partner banks and outlets, tap "Cash In" in your GCash app.

You have several options to withdraw cash from your GCash account. You can cash out through partner outlets, transfer to your bank account, or use your GCash Card at any BancNet ATM.

Here’s how to withdraw cash from your account:

• Partner Outlets: Withdraw cash from various partner locations, including supermarkets, convenience stores, pawnshops, payment centers, and department stores. Some popular options include:
  • 7-Eleven
  • Puregold
  • Robinsons Department Store
  • Cebuana Lhuillier
  • Villarica Pawnshop
• Bank Transfer: Transfer funds directly from your GCash account to your linked bank account.
• GCash Card: Use your GCash Mastercard or Visa to withdraw cash from any BancNet ATM.

To see a full list of GCash's partner cash-out locations, tap "View All Services" on the dashboard and select "Cash Out."