Introduction
GCash implements transaction limits based on your account verification level to ensure security and comply with Philippine regulations. Understanding these limits helps you plan your transactions and know when you need to upgrade your account verification.
GCash Verification Levels Overview
GCash offers three main verification levels, each with different transaction capabilities:
- Basic (Unverified) Account
- Semi-Verified Account
- Fully Verified Account
Complete Comparison of Verification Levels
| Feature |
Basic Account |
Semi-Verified |
Fully Verified |
| Wallet Limit |
₱100,000 |
₱100,000 |
Unlimited |
| Monthly Incoming Limit |
₱100,000 |
₱100,000 |
₱500,000 |
| Daily Transaction Limit |
₱8,000 |
₱50,000 |
₱100,000 |
| Bank Transfer Limit |
₱8,000/day |
₱50,000/day |
₱500,000/month |
| Cash Out Limit |
₱8,000/day |
₱50,000/day |
₱100,000/day |
Basic Account (Unverified)
What You Can Do
- Receive money from other GCash users
- Pay bills and buy load
- Make purchases at partner merchants
- Use QR code payments
Transaction Limits
| Transaction Type |
Limit |
| Daily Transaction Limit |
₱8,000 |
| Monthly Incoming Limit |
₱100,000 |
| Maximum Wallet Balance |
₱100,000 |
| Send Money |
₱8,000/day |
| Cash Out |
₱8,000/day |
| Bills Payment |
₱8,000/day |
Requirements
- Valid mobile number
- No additional documents needed
Semi-Verified Account
What You Can Do
- All Basic account features
- Higher daily transaction limits
- Access to more GCash services
- Apply for GCredit and GLoan
Transaction Limits
| Transaction Type |
Limit |
| Daily Transaction Limit |
₱50,000 |
| Monthly Incoming Limit |
₱100,000 |
| Maximum Wallet Balance |
₱100,000 |
| Send Money |
₱50,000/day |
| Cash Out |
₱50,000/day |
| Bills Payment |
₱50,000/day |
Requirements
- Selfie verification
- Basic personal information
- Photo of valid ID (front and back)
Fully Verified Account
What You Can Do
- All Semi-Verified features
- Maximum transaction limits
- Unlimited wallet balance
- Access to GInvest and GSave
- International remittance services
- Higher credit limits
Transaction Limits
| Transaction Type |
Limit |
| Daily Transaction Limit |
₱100,000 |
| Monthly Incoming Limit |
₱500,000 |
| Maximum Wallet Balance |
Unlimited |
| Send Money |
₱100,000/day |
| Cash Out |
₱100,000/day |
| Bank Transfer |
₱500,000/month |
| Bills Payment |
₱100,000/day |
Requirements
- All Semi-Verified requirements
- Clearer selfie with ID
- Additional verification documents
- Proof of address (optional but recommended)
How to Upgrade Your Verification Level
To Semi-Verified
- Open the GCash app
- Tap your profile icon
- Select "Verify Account"
- Take a selfie as instructed
- Take photos of your valid ID (front and back)
- Fill in required personal information
- Submit for verification
- Wait 1-3 business days for approval
To Fully Verified
- Complete Semi-Verified requirements first
- Go to "Verify Account" again
- Select "Upgrade to Fully Verified"
- Retake selfie with ID (clearer photo)
- Provide additional documents if requested
- Complete identity verification process
- Wait 3-5 business days for approval
Acceptable Valid IDs
| ID Type |
Validity |
Notes |
| Philippine Passport |
Not expired |
Preferred primary ID |
| Driver's License |
Current and valid |
Most commonly used |
| UMID |
Not expired |
SSS Unified ID |
| PhilHealth ID |
Current |
With photo |
| Postal ID |
Valid |
Government-issued |
| Voter's ID |
Current |
COMELEC issued |
| PRC ID |
Not expired |
Professional license |
| National ID (PhilSys) |
Valid |
Best for verification |
Special Transaction Limits
Cash In Limits
| Cash In Method |
Minimum |
Maximum |
Fee |
| Bank Transfer (InstaPay) |
₱1 |
₱50,000/transaction |
Free |
| Bank Transfer (PESONet) |
₱1 |
No limit |
Free |
| 7-Eleven |
₱100 |
₱10,000/day |
Free |
| GCash Partner Outlets |
₱100 |
Varies by outlet |
Varies |
| Online Banking |
₱1 |
Per bank limits |
Per bank fees |
Investment and Savings Limits
| Service |
Minimum |
Maximum |
Verification Required |
| GSave |
₱50 |
₱1,000,000 |
Fully Verified |
| GInvest |
₱50 |
₱1,000,000 |
Fully Verified |
| GCredit |
N/A |
Up to ₱30,000 |
Semi-Verified |
| GLoan |
₱1,000 |
Up to ₱125,000 |
Semi-Verified |
Tips for Managing Your Limits
Stay Within Your Limits
- Monitor your daily transaction total through the app
- Check your wallet balance regularly
- Plan large transactions ahead of time
- Upgrade verification before you need higher limits
When You Reach Your Limit
- Wait until the next day for daily limits to reset
- Consider upgrading your verification level
- Split large transactions across multiple days
- Use alternative payment methods for amounts exceeding limits
Maximizing Your Limits
- Get fully verified as soon as possible
- Link your bank account for higher cash in limits
- Keep your account information updated
- Maintain good transaction history
- Enable all security features
Understanding Limit Reset Times
| Limit Type |
Reset Schedule |
Reset Time |
| Daily Limits |
Every 24 hours |
12:01 AM Philippine Time |
| Monthly Limits |
1st day of each month |
12:01 AM Philippine Time |
| Per Transaction Limits |
Per transaction basis |
Immediate after transaction |
Common Questions About Limits
Can I temporarily increase my limit?
No, GCash does not offer temporary limit increases. To increase your limits, you must upgrade your verification level.
Do incoming and outgoing transactions use the same limit?
Yes, both incoming and outgoing transactions count toward your daily transaction limit.
What happens if I exceed my limit?
The transaction will be declined. You will need to wait for the limit to reset or upgrade your account.
How long does verification take?
- Semi-Verified: 1-3 business days
- Fully Verified: 3-5 business days
- May take longer during peak periods
Need Help?
For questions about verification or transaction limits:
- GCash Customer Service: 2882 (free from Globe/TM)
- Email: help@gcash.com
- In-app chat support
- Social media: @GCashOfficial
