How to Use GCash to Transfer Money Between Bank Accounts

How to Use GCash to Transfer Money Between Bank Accounts

With the help of GCash, I learned how to transfer money from one bank account to another. If you have an online banking account, you can certainly transfer money between bank accounts. GCash can, however, be used as a “middleman” between bank accounts if you do not have an online banking account.

If you have a BDO account, but don’t have a BDO online banking account, you can’t transfer money from it to a BPI account. BDO online banking requires you to go to an ATM and enter a code in order to register and activate your account. The alternative is to load your GCash wallet with money using your BDO Visa or MasterCard card, then transfer the money to your recipient’s bank account once the money has been loaded.

You can use this technique with any bank account that has a Visa or MasterCard credit card. InstaPay allows you to transfer money directly from GCash to another bank account, so you can also top up your wallet with your online banking account. In this article, we’ll teach you how you can make a fund transfer to a bank account without using your online banking account.

Sign up for a free GCash account in less than a minute and get ₱70 in freebies. Create a free GCash account and download the Gcash mobile app for Android or iOS.

Verifying your GCash account is as simple as taking a selfie and uploading a picture of your ID. By verifying your account, you can withdraw and deposit money online. Read this article to learn more about GCash.

How to Use GCash to Transfer Money Between Bank Accounts

Here are the Steps How to Use GCash to Transfer Money Between Bank Accounts.

Step 1: Register your card with Gcash

In order to use GCash, you must first add your bank card. The maximum number of cards you can add to an account is three.

It is okay to skip this step if you already have a linked card or if you prefer to use another cash-in option like online banking.

If you would like to add your card to GCash, follow these steps:

  1. Go to your GCash app and open it.
  2. On the top-left corner, tap the hamburger icon. You will see a sliding menu.
  3. Select “My Linked Accounts.”
  4. Select “My Bank Cards.”
  5. Click the “ADD CARD” button.
  6. Please enter your card details: cardholder name, card number, expiration date, and CVV code.
  7. You will have to wait until the card is added. When your card enrollment is complete, you will receive a text message.

You can load your GCash wallet with your bank card once it has been added.

Step 2: Deposit money into your GCash account

After creating your GCash wallet, you will need to add money using your Visa or MasterCard. Transferring money from your card to your GCash wallet is free.

Deposit money into your GCash account

You can add money to your GCash wallet using your bank card by following these steps:

  1. Log in with your MPIN in the GCash app.
  2. Click “Cash In” from the home screen.
  3. Choose “Bank Cards” below “My Linked Accounts,” or select “MasterCard / Visa Bank” below “Online Banks.”
  4. Select your bank card if you have more than one. Click “SUBMIT.”
  5. Once you have reviewed the payment details, click “CONFIRM.”
  6. Cash in requests are now being processed.
  7. You will receive a text message confirming your successful cash in.
Deposit money into your GCash account

In case you do not have a credit card or debit card, you can use GCash’s cash in options. Some examples include Palawan Pawnshop, Cebuana Lhuillier, Bayad Center, 7-Eleven, and Globe stores. Here is a complete list of GCash cash in options.

Step 3: Send money to the bank

As soon as you have funded your GCash wallet, you will need to transfer funds to the bank account of your recipient. Through InstaPay, you or your recipient will receive the money instantly after transferring GCash to their bank account.

GCash can be transferred to the following banks:

  • Bank of the Philippines Unibank
  • Bank of the Philippines and BPI Family Savings Bank
  • Metropolitan Bank and Trust Co. (Metrobank)
  • LandBank of the Philippines
  • Security Bank
  • Philippine National Bank (PNB)
  • Union Bank of the Philippines
  • China Banking Corporation
  • Rizal Commercial Banking Corporation (RCBC)
  • United Coconut Planters Bank (UCPB)
  • Development Bank of the Philippines (DBP)
  • East West Banking Corporation
  • Philippines Savings Bank (PSBank)
  • Philippine Bank of Communications (PBCOM)
  • Bank of Commerce

Complete list of all partner banks can be found here.

Send money to the bank

To transfer money from GCash to a bank account, follow these steps:

  1. Log in to the Gcash app with your MPIN.
  2. Select “Bank Transfer.”
  3. Select the bank where you want to transfer the money. The list of partner banks can be viewed by tapping “View All“.
  4. Please enter the amount, account name, bank account number, and email address. Click “Send Money.
  5. Make sure your payment details are correct. Tap “CONFIRM” if everything is correct.
  6. We are now processing your GCash to bank transfer.
  7. Once the fund transfer is complete, you will receive a text message and an email.
Send money to the bank


How to Use GCash to Transfer Money Between Bank Accounts?

Using the internet or a mobile app, visit your bank’s website and look for the option to transfer funds internally. In most cases, you can set up a one-time or recurring transfer between connected accounts, and internal transfers usually settle instantly or within one business day.

Can I transfer money from GCash to other banks without fees?

Over 30 banks are supported by GCash, and there are no fees associated with transfers. Additionally, GCash allows users to transfer their funds to PayMaya. It is necessary to have a fully verified GCash account before using the e-wallet’s features.

What bank is free to transfer to GCash?

We are happy to announce that cashing into GCash with Bank of the Philippine Islands (BPI) and UnionBank is free of charge. It is also free to cash in via PayPal. Therefore, you can avoid paying fees when funding your GCash account by using BPI, Union Bank, or Paypal.

How much does GCash charge for money transfer?


Does GCash have a transfer limit?

It depends on which wallet profile you have that determines your wallet and transaction limits. From July 26, 2023, GCash Basic Profile users will have a new wallet limit of PHP 10,000 and incoming and outgoing transaction limits of PHP 5,000.

What is the cheapest way to send GCash?

If you choose bank transfers, you will be able to transfer funds from your bank account to your GCash wallet at a lower cost.

Can I send money from GCash to Metrobank?

GCash supports banks such as BPI, BDO, Metrobank, UnionBank, Landbank, and China Bank. GCash Fund Transfer offers the following conveniences: You can transfer funds without going to the bank as long as you have funds in your GCash account.

What is the highest limit in GCash?

We have received waves of requests and suggestions to increase GCash’s monthly wallet limit, so now you can hold up to P500,000!

Is GCash safe and secure?

Since its management maintains a cybersecurity program and policy, GCash assured its subscribers and the public that its application is safe to use.

How much can I cash in per day in GCash?

Php 10,000


It has just taken you only a few minutes to understand how to use GCash for transfers between your bank accounts. If you do not have or cannot access an online banking account, you can use GCash in lieu of using your online banking account. Thank you for reading this article. We hope that it was helpful to you.

also read related articles:

How to Transfer Money From UnionBank to GCash

How to Send Money from Metrobank to GCash 2023?

Effortlessly Open a Maybank Savings Account in GCash with EzySave Integration in 2023

How to Transfer Money From Landbank to GCash

How to Use GCash to Transfer Money Between Bank Accounts

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