JILI1 GCash — Limits, Fees & Settlement
GCash is a Philippine payment rail — regulation: Regulated by Bangko Sentral ng Pilipinas under an Electronic Money Issuer licence.
- Operator
- G-Xchange, Inc., part of Mynt, and a joint venture between Globe Fintech Innovations and Ayala Corporation
- Regulator
- Regulated by Bangko Sentral ng Pilipinas under an Electronic Money Issuer licence
- Wallet limit
- Fully Verified stands at PHP 100,000, measured at any given time. Five ceilings in all: PHP 10,000
- Settlement
- speed depends on the rail beneath rather than on GCash: real time for wallet-to-wallet and InstaPay transfers, same banking day for PESONet
- Figures as of
- 2026-09
Per-transaction cap: not published.
This part covers GCash as a payment method: its operator, its licensed status, and what it publishes on limits and fees.
GCash at a glance
| Field | Value |
|---|---|
| Operated by | G-Xchange, Inc., part of Mynt, and a joint venture between Globe Fintech Innovations and Ayala Corporation |
| Regulated by | Bangko Sentral ng Pilipinas |
| Wallet limit | Fully Verified stands at PHP 100,000, measured at any given time. Five ceilings in all: PHP 10,000 (Basic), PHP 50,000 (GCash Jr), PHP 100,000 (Fully Verified), PHP 500,000 (GCash Plus), PHP 1,000,000 (GCash Platinum). |
| Per-transaction cap | Not published |
| Settlement | speed depends on the rail beneath rather than on GCash: real time for wallet-to-wallet and InstaPay transfers, same banking day for PESONet |
| Published fees | Over-the-counter cash-in costs 2 per cent on the excess once you pass PHP 8,000 per month across all OTC channels combined, with the free allowance resetting on the first of each month. Cash-in from a linked bank via InstaPay carries a bank charge of PHP 15 at BPI and PHP 10 at UnionBank. GCash states a change from 7 March 2026: PayPal cash-in, currently 1 per cent below PHP 20,000 and a flat PHP 200 at or above it, becomes a flat 1 per cent. No charge applies to Payoneer cash-in and remittance claims. For a minimum PHP 100 cash-in, the suggested fee at Pera Outlet agents is 1 per cent, set by the outlet |
2026-09 is when the figures here were recorded, and they stand as a snapshot in time. Limits and fees from payment providers get revised without notice, so only the provider’s own page gives current ones.
What GCash says about gambling transactions
The nearest general clause in GCash’s own terms and conditions bars pyramid and Ponzi schemes, but there is no blanket ban on gambling merchants. Any restrictions that do exist are driven by regulators. The GLife Games top-up and withdrawal feature was withdrawn by GCash with effect from 16 August 2025, in response to BSP Memorandum M-2025-029 (dated 14 August 2025), which ordered every BSP-supervised institution to remove in-app links and redirects to gambling and gaming sites within 48 hours.
Separately, GCash states it has zero tolerance for illegal gambling operators and says it blocked roughly 3,200 merchants who abused the QR system to redirect users to illegal gambling and scam sites. All of that acts as a restraint on in-app gaming top-ups and on merchants with links to illegal gambling. None of it declares that a licensed casino’s cashier may be funded with GCash, and none of it declares that it may not.
Verification tiers
- Basic — Load and bill payments, plus cash-in and scan-to-pay options. A wallet that tops out at PHP 10,000, takes PHP 5,000 in and lets PHP 5,000 out per month, with no stated daily cap
- GCash Jr. — This tier serves users aged 7 to 17 with the Basic feature set. The wallet can hold PHP 50,000, take in PHP 10,000 per month, and send out PHP 10,000 per day and per month
- Fully Verified — GSave, GInvest, GInsure and GLife are added, along with Borrow, the GCash card, pay online, bank transfer and send money. Wallet ceiling PHP 100,000; incoming PHP 100,000 per month; outgoing PHP 100,000 per day, with no monthly cap
- GCash Plus — Only Fully Verified users who link a bank or investment account qualify. PHP 100,000 out per day, PHP 500,000 in per month, and a wallet ceiling of PHP 500,000
- GCash Platinum — Eligible Globe Platinum subscribers only. PHP 1,000,000 as the wallet ceiling, PHP 1,000,000 coming in per month, PHP 500,000 going out per day and PHP 1,000,000 per month
The published ceiling of Fully Verified stands at PHP 100,000, measured at any given time. Five ceilings in all: PHP 10,000 (Basic), PHP 50,000 (GCash Jr), PHP 100,000 (Fully Verified), PHP 500,000 (GCash Plus), PHP 1,000,000 (GCash Platinum). applies to the tier stated above, not to every account.
How fast money actually moves
GCash settles speed depends on the rail beneath rather than on GCash: real time for wallet-to-wallet and InstaPay transfers, same banking day for PESONet. This tells you about the rail rather than the casino, since an operator may hold a withdrawal for its own review before GCash ever sees it, and that review is typically the source of the waiting time.
A per-transaction cap is not published. None is published for this rail.
Paying with GCash at JILI1
- After signing in at JILI1, the cashier is what you open.
- In the cashier, choose GCash out of the payment methods shown for your account.
- Make sure the name on your JILI1 account matches the name on your GCash account.
- On the cashier screen, read the minimum, maximum and any fee, and confirm the amount afterwards.
Read the cashier screen ahead of each first deposit with a new method; it displays the live limits for your account.
FAQ
What is the GCash wallet limit?
Fully Verified stands at PHP 100,000, measured at any given time. Five ceilings in all: PHP 10,000 (Basic), PHP 50,000 (GCash Jr), PHP 100,000 (Fully Verified), PHP 500,000 (GCash Plus), PHP 1,000,000 (GCash Platinum)., at the tier the provider states. Lower tiers carry lower ceilings.
Does GCash charge fees?
Published fees: Over-the-counter cash-in costs 2 per cent on the excess once you pass PHP 8,000 per month across all OTC channels combined, with the free allowance resetting on the first of each month. Cash-in from a linked bank via InstaPay carries a bank charge of PHP 15 at BPI and PHP 10 at UnionBank. GCash states a change from 7 March 2026: PayPal cash-in, currently 1 per cent below PHP 20,000 and a flat PHP 200 at or above it, becomes a flat 1 per cent. No charge applies to Payoneer cash-in and remittance claims. For a minimum PHP 100 cash-in, the suggested fee at Pera Outlet agents is 1 per cent, set by the outlet. Providers revise these without notice.
Who regulates GCash?
GCash — regulation: Regulated by Bangko Sentral ng Pilipinas under an Electronic Money Issuer licence. That covers the rail, not the casino.
How long does GCash take?
The rail settles speed depends on the rail beneath rather than on GCash: real time for wallet-to-wallet and InstaPay transfers, same banking day for PESONet. Separately, the operator runs its own review before a withdrawal is released, and that check typically takes longer.