JILI7 GCash — Limits, Fees & Settlement
GCash is a Philippine payment rail — regulation: Under Bangko Sentral ng Pilipinas supervision with an Electronic Money Issuer licence.
- Operator
- G-Xchange, Inc., housed in Mynt, a shared undertaking of Globe Fintech Innovations and Ayala Corporation
- Regulator
- Under Bangko Sentral ng Pilipinas supervision with an Electronic Money Issuer licence
- Wallet limit
- Under Fully Verified, the wallet limit is PHP 100,000 at a given point in time. Starting with Basic at PHP 10,000, the ladder moves to GCash Jr at PHP 50,000, Fully Verified at PHP 100,000, GCash Plus at PHP 500,000 and finally GCash Platinum at PHP 1,000,000
- Settlement
- immediate for wallet-to-wallet and InstaPay transfers and same-banking-day for PESONet, features of the rail underneath and not features of GCash
- Figures as of
- 2026-09
Per-transaction cap: not published.
This page covers GCash the payment rail. A particular operator’s cashier details do not feature here by choice, and the last section explains the choice.
GCash at a glance
| Field | Value |
|---|---|
| Operated by | G-Xchange, Inc., housed in Mynt, a shared undertaking of Globe Fintech Innovations and Ayala Corporation |
| Regulated by | Bangko Sentral ng Pilipinas |
| Wallet limit | Under Fully Verified, the wallet limit is PHP 100,000 at a given point in time. Starting with Basic at PHP 10,000, the ladder moves to GCash Jr at PHP 50,000, Fully Verified at PHP 100,000, GCash Plus at PHP 500,000 and finally GCash Platinum at PHP 1,000,000 |
| Per-transaction cap | Not published |
| Settlement | immediate for wallet-to-wallet and InstaPay transfers and same-banking-day for PESONet, features of the rail underneath and not features of GCash |
| Published fees | The first PHP 8,000 a month through any over-the-counter channel costs nothing, and the combined total decides when 2 per cent kicks in on the excess; each month begins afresh on the first. Banks, and not the wallet, apply the fee on linked-bank InstaPay cash-in; examples are PHP 15 at BPI and PHP 10 at UnionBank. Under PHP 20,000 the PayPal cash-in fee is 1 per cent, while PHP 20,000 and over pays a flat PHP 200, a scheme GCash states becomes a flat 1 per cent from 7 March 2026. Fees are not charged on Payoneer cash-in or remittance claims. 1 per cent is the suggested fee Pera Outlet agents charge, set by the outlet, applied to cash-ins of PHP 100 and above |
Values on this page are fixed as of 2026-09, the month they were recorded. Count on the provider’s own page for current limits and fees, as payment providers revise them without notice.
What GCash says about gambling transactions
There is no blanket ban on gambling merchants in GCash’s own terms and conditions, just a general clause barring pyramid and Ponzi schemes that sits nearest. Rules from the regulator explain the restrictions that are there. Following BSP Memorandum M-2025-029 of 14 August 2025, which ordered BSP-supervised institutions to clear in-app links and redirects to gambling and gaming sites within 48 hours, the GLife Games top-up and withdrawal feature in GCash was withdrawn with effect from 16 August 2025.
The wallet states, separately, that it tolerates no illegal gambling operators, and GCash says it has blocked roughly 3,200 merchants for abusing its QR system to carry users to illegal gambling and scam sites. All these provisions act as a restraint on in-app gaming top-ups and merchants linked to illegal gambling. Neither permission nor prohibition is stated, since GCash and a licensed casino’s cashier are simply not addressed together.
Verification tiers
- Basic — From buying load to paying bills, it also handles cash in and scan to pay. Inflows of PHP 5,000 and outflows of PHP 5,000 are allowed monthly, the wallet itself tops out at PHP 10,000, and there is no stated daily cap
- GCash Jr. — Eligibility runs from age 7 to age 17, with the Basic feature set provided. Monthly deposits into the wallet stop at PHP 10,000, daily and monthly withdrawals stop at PHP 10,000, and the balance stops at PHP 50,000
- Fully Verified — More features are switched on: bank transfer, send money, pay online, the GCash card, GLife, GInsure, GInvest, GSave and Borrow. The ceiling for the wallet is PHP 100,000; monthly receipts stop at PHP 100,000; PHP 100,000 per day can go out, with no monthly cap attached
- GCash Plus — The audience is Fully Verified users holding a linked bank or investment account. No more than PHP 100,000 may leave per day, and no more than PHP 500,000 may enter per month or be held in the wallet
- GCash Platinum — Eligible Globe Platinum subscribers only. A wallet that holds up to PHP 1,000,000, receives PHP 1,000,000 a month, pays out PHP 500,000 a day and PHP 1,000,000 a month
The published ceiling of Under Fully Verified, the wallet limit is PHP 100,000 at a given point in time. Starting with Basic at PHP 10,000, the ladder moves to GCash Jr at PHP 50,000, Fully Verified at PHP 100,000, GCash Plus at PHP 500,000 and finally GCash Platinum at PHP 1,000,000 applies to the tier stated above, not to every account.
How fast money actually moves
GCash settles immediate for wallet-to-wallet and InstaPay transfers and same-banking-day for PESONet, features of the rail underneath and not features of GCash. The statement is about the rail and says nothing of the casino, which may review and hold a withdrawal before GCash is reached, the review being the typical cause of waiting.
A per-transaction cap is not published. None is published for this rail.
Paying with GCash at JILI7
- Sign in at JILI7 and open the cashier.
- Tap GCash in the list of methods the cashier gives your account.
- Make sure the name on your JILI7 account matches the name on your GCash account.
- Spend a moment on the cashier’s minimum, maximum and fee lines; once they look right, confirm the amount.
Before trying a new deposit method for the first time, check the cashier screen for the live limits tied to your account.
Other payment rails explained here
- MayaThe Electronic Money Issuer and registered Operator of Payment System is answerable to Bangko Sentral ng Pilipinas
- GrabPayAn Electronic Money Issuer licence from Bangko Sentral ng Pilipinas, in force since 2018
- Bank TransferRegulation comes from Bangko Sentral ng Pilipinas, based on the National Retail Payment System framework that Circular No. 980 created
- Over-the-Counter Cash AgentsBangko Sentral ng Pilipinas regulating them as money service businesses, together with the Anti-Money Laundering Act
FAQ
Does GCash charge fees?
Published fees: The first PHP 8,000 a month through any over-the-counter channel costs nothing, and the combined total decides when 2 per cent kicks in on the excess; each month begins afresh on the first. Banks, and not the wallet, apply the fee on linked-bank InstaPay cash-in; examples are PHP 15 at BPI and PHP 10 at UnionBank. Under PHP 20,000 the PayPal cash-in fee is 1 per cent, while PHP 20,000 and over pays a flat PHP 200, a scheme GCash states becomes a flat 1 per cent from 7 March 2026. Fees are not charged on Payoneer cash-in or remittance claims. 1 per cent is the suggested fee Pera Outlet agents charge, set by the outlet, applied to cash-ins of PHP 100 and above. Providers revise these without notice.
Who regulates GCash?
GCash — regulation: Under Bangko Sentral ng Pilipinas supervision with an Electronic Money Issuer licence. That covers the rail, not the casino.
How do I pay with GCash at JILI7?
Choose GCash from the cashier's methods for your account after signing in. Compare the names on the accounts so they match, and review what limits the cashier lists before you go ahead and confirm.
How long does GCash take?
The rail settles immediate for wallet-to-wallet and InstaPay transfers and same-banking-day for PESONet, features of the rail underneath and not features of GCash. The operator's in-house review before a withdrawal is released is separate from this, and in most cases longer.