Get Paid using GCash : A Comprehensive Beginners Guide to Using Gcash

Turn your smartphone into a virtual wallet—that’s what using the GCash app is all about.

A mobile payment innovation in the Philippines, GCash has revolutionized the way people make financial transactions. With just a few taps on a smartphone, Globe and TM subscribers can quickly send and receive money, pay bills, and make other transactions anytime and anywhere. All GCash services are free, except for cash out and GCash card application and withdrawal.

For non-tech savvy beginners, learning how to use the GCash app can be quite challenging and even frustrating. Planning to use GCash? Let this comprehensive guide help you familiarize yourself with the mobile app.

How to Register to GCash

Before you can start using the mobile service, you need to register for a GCash account first. Registration is quick and easy through the GCash mobile app. There are other ways to register but the easiest way is through the app, since all other methods require a phone.

GCash Registration Steps via the GCash App

  1. Download the GCash mobile app through the App Store[1] or Google Play Store.[2]
  2. Enter your mobile number and tap “Next.”
  3. You will receive a six-digit authentication code on the number you provided. Input the code then tap “Submit Code.”
  4. Provide your information in the next pages such as name, birthdate, address, and email address and tap “Submit.”
  5. Create a four-digit mobile PIN (MPIN). You will use this MPIN in all GCash transactions.
  6. Read through the Terms and Conditions and tap “Submit.”
  7. Tap “Proceed to Login” to explore your new GCash account. Log in using your four-digit MPIN.

GCash Registration Steps via the GCash website

  1. If you need to register through a desktop for some reason, head down to the the GCash registration page.[3]
  2. Enter your mobile number and click “Next.” You’ll receive a six-digit authentication code on your phone. Input the code then click “Submit Code.”
  3. Scroll through the Terms and Conditions and click “Accept.”
  4. Provide your personal information on the next page and click “Submit.”
  5. Create a four-digit MPIN.
  6. Once complete, you’ll be directed to a QR code. Scan it to download the GCash app.

GCash Registration Steps via the *143# Menu

  1. Dial *143# on your mobile phone.
  2. Find “GCash.”
  3. Click “Register.”
  4. Enter your four-digit GCash PIN, name, birth year, and address.
  5. Wait for a message on your phone that confirms your registration.

GCash Registration Steps via Messenger

  1. Search for @gcashofficial on the Messenger app.
  2. Tap “Get Started.”
  3. Enter your mobile number and tap “Continue.”
  4. You will receive a six-digit authentication code on the number you provided. Input the code then tap “Submit Code.”
  5. Provide your personal information on the next page and click “Submit.”
  6. Create a four-digit MPIN. Read through the Terms and Conditions and tap “Submit.”

How to Verify a GCash Account

GCash App - GCash Verification

Account verification, also known as Know Your Customer (KYC), is required by the Bangko Sentral ng Pilipinas to validate the identity of customers for money services like GCash. You need to undergo the GCash verification process to unlock all its useful features and services.

Steps to GCash Account Verification

  1. Login to your GCash account on your app.
  2. Tap the menu bar on the upper left corner and tap “Verify Now.”
  3. Choose “Get Fully Verified” and tap “Next.”
  4. Choose a valid ID, tap “Next,” and take a picture of the ID.
  5. Tap “Next” and take a selfie. Make sure you’re in a well-lit room.
  6. Fill in the required information and make sure everything is accurate.
  7. Tick the box to accept the Terms and Conditions and tap “Confirm.”
  8. Wait for 30 minutes for GCash to review your application.

How to Load Your GCash Wallet

Now it’s time to load up your GCash wallet. Using the app is the most convenient way to get GCash load. You can either transfer money from your bank account through the app or over-the-counter transactions with partner outlets. You can also load up your GCash wallet via remittances.

GCash App - GCash Cash-In Wallet

How to Link Your Bank Account to GCash

Before you can transfer money from your bank account to your GCash wallet, you need to link your bank account to GCash. Here’s how you do it.

  1. Tap the menu bar on the upper left corner. Tap “My Linked Accounts” and then tap “My Bank Cards.”
  2. Tap “Add Card” and input the card details of your bank’s debit card.
  3. Once you submit your details, you will be redirected to your bank’s verification page. Your bank will send you a one-time password (OTP) code via SMS. Input the OTP to proceed.
  4. Once verified, you will receive a text saying that your bank is now linked to GCash.

GCash Cash-In via Mastercard/Visa

  1. Tap “Cash-In” on the GCash app dashboard and tap the “Online Banking” tab.
  2. Tap “Mastercard/Visa,” enter the amount you want to cash in, and tap “Confirm.”
  3. You will then be redirected to your bank’s verification page.
  4. Your bank will send you a one-time password (OTP) code via SMS. Input the OTP to proceed.
  5. Wait for the confirmation text before checking your new GCash balance.

GCash Cash-In via Partner Banks

You can also connect your banking apps to GCash for easier cash-ins. GCash is compatible with most banking apps, but they only offer zero transaction fees to BPI, RCBC, and Unionbank apps. Others charge PHP 10 – PHP 25 per transaction.

  1. To link your banking app, tap the menu bar and tap “My Linked Accounts.”
  2. Tap your preferred bank and follow the next instructions.
  3. Once you’ve linked your banking app, you can now head to the dashboard and tap “Cash-In.”
  4. Tap the “Online Banking” tab and select your linked bank.
  5. Enter the desired amount and tap “Confirm.”
  6. Your bank will send you an OTP via SMS. Input the code and tap “Submit.”
  7. Wait for the confirmation text before checking your new GCash balance.

GCash Cash-In via Remittance

You can also claim your remittance and have it sent straight to your GCash wallet. Currently, GCash has partnered with MoneyGram and Western Union.

  1. Tap “Cash-In” on the GCash app dashboard and tap the “Remittance” tab.
  2. Choose between MoneyGram and Western Union.
  3. Enter the expected amount and the reference number. Moneygram requires an 8-digit number while Western Union requires 10 digits.
  4. Tap “Next” and wait for the confirmation text before checking your new GCash balance.

GCash Cash-In via PayPal

You can also connect your PayPal account to your GCash. This is for freelancers who want to spend their PayPal balance and expats looking to convert their money to Philippine Peso easily.

  1. To link GCash to PayPal, tap the menu bar and tap “My Linked Accounts.”
  2. Tap PayPal and enter your account’s email address.
  3. You will then be directed to the PayPal login page. Enter your email and password, tick the two boxes, and tap “Authorize.”
  4. Once you’ve linked your GCash to PayPal, you can now head to the dashboard and tap “Cash-In.”
  5. Tap the “Remittance” tab and tap “PayPal.”
  6. Enter the desired amount, tap “Next,” and tap “Confirm.”
  7. Once confirmed, expect your money within 24 hours. Wait for the confirmation text before checking your new GCash balance.

 

GCash Cash-In via 7-Eleven and other Authorized Outlets

To load your GCash through 7-Eleven, just visit any branch near you. Go to the CliQQ kiosk and select GCash under e-money. Get the barcode then pay at the cashier.

For other authorized outlets, simply go to any authorized GCash partner branches. More than 10,000 GCash outlets nationwide accept cash-in transactions, including remittance centers, pawnshops, malls, and bills payment centers. Here are some of the most accessible GCash cash-in outlets in the Philippines:

  • Globe Stores
  • Bayad Center
  • Expresspay
  • SM Business Center
  • Robinsons Center
  • Cebuana Lhuillier
  • 7-Eleven CLiQQ kiosks
  • Puregold
  • RD Pawnshop
  • Tambunting Pawnshop
  • Villarica Pawnshop
  • Palawan Pawnshop
  • Touchpay machines

How to Get a GCash Card

GCash App - GCash Mastercard

The GCash Mastercard is a reloadable prepaid card linked to a GCash wallet that can be used to shop at stores that accept Mastercard payment. You can also use this card to withdraw money from your GCash wallet.

GCash Mastercard Application via GCash

  1. From the GCash dashboard, tap “Show More.”
  2. Under the “Fund Management” tab, tap “Cash Out.”
  3. Tap “Deliver” then fill out the GCash Mastercard order form.
  4. Fill in the required details, tick the box, then submit the form.
  5. Head back to the dashboard and tap “Pay Bills.”
  6. Tap “Payment Solutions” and tap “GCash Mastercard.”
  7. Enter your GCash mobile number and your PHP 150 payment before tapping “Next.”
  8. Your GCash Mastercard will be delivered to you within 10 days.

GCash Mastercard Application via Online

  1. Visit the GCash Mastercard order form.[4]
  2. Fill in the required details, tick the box, then click “Next.”
  3. Review your GCash order then click “Submit Verification Details.”
  4. Pay the PHP 150 fee on the GCash app.

GCash Mastercard Application via Outlets

You can also buy a GCash Mastercard from the following Globe outlets. All you need is a valid ID and the PHP 150 payment.

  • Globe Stores
  • Ministop
  • Lawson
  • Robinson Business Centers
  • Select 7-11 Branches

How to Withdraw Money from GCash

Just like a regular bank account, you can also withdraw funds from your GCash. You can choose to transfer funds from GCash to your bank account or you can withdraw your money from ATMs nationwide using the GCash Mastercard.

GCash Withdrawal via GCash Mastercard

To cash out using your GCash card, just head to the nearest ATM and use it like a regular ATM card. Use your GCash MPIN as the ATM pin. Note that GCash will charge you PHP 20 per withdrawal, while withdrawing your money abroad will cost PHP 150.

GCash Withdrawal via GCash App

  1. From the GCash dashboard, tap “Bank Transfer.”
  2. Tap the bank you’d like to cash out from. Convenience fees are waived for partner banks.
  3. Enter the amount and fill out the corresponding banking details before tapping “Send Money.”
  4. Review your fund transfer details and tap “Confirm.”
  5. Wait for the confirmation text before checking your bank account’s balance.

GCash Withdrawal via GCash Outlet

  1. From the GCash dashboard, tap “Show More.”
  2. Under the “Fund Management” tab, tap “Cash Out.”
  3. Under the “Over the Counter” tab, choose the Globe outlet you want.
  4. Follow the instructions for each Globe outlet.

Usually, the process involves filling out a GCash form and presenting a valid ID. After the staff has processed your transaction, you’ll receive a text message asking to confirm your cash-out request. Reply with your MPIN.

The staff will then give you the cash-out amount, an acknowledgment receipt for the transaction, and an official receipt for the service fee. In addition to the cash-out amount, a service fee of PHP 20 per PHP 1,000 withdrawn will be deducted from your GCash wallet.

How to Send Money Using GCash

GCash App - GCash Send Money

GCash made it easier to transfer money from anywhere in the Philippines. The process involves no paperwork, no lines, and it doesn’t come with a service fee. Here’s how you can start sending money to your loved ones.

  1. From the GCash dashboard, tap “Send Money.”
  2. There are three ways to send money via GCash. For now, tap “Express Send.”
  3. Enter the recipient’s GCash mobile number. If you have the person’s number saved in your phone, simply choose it from your contact list.
  4. Enter the amount to send. You can type a message for the recipient if you want.
  5. Wait for the text confirmation of your transaction.

If you want to send a message to your recipient, tap the “Send with a Clip” feature. You can send greeting templates or you can attach an audio or video file from your phone. For the Chinese New Year, you can tap the “Send Ang Pao” feature to send customized ang paos to your relatives.

How to Pay Bills with GCash

GCash App - Pay Bills, Shopping, Buy Load

With the GCash app, you can pay your credit card bills and utilities in a snap. Freelancers can easily pay Pag-IBIG and SSS contributions and taxes using GCash.

A bills payment made via Gcash is posted within two to three banking days. The GCash Bill Pay service, however, doesn’t accept payments for overdue bills.

  1. From the GCash dashboard, tap “Pay Bills.”
  2. Choose the biller category of your bill payment.
  3. Choose the biller and fill out the amount to pay and the account details.
  4. Review your bills payment details before tapping “Confirm.”
  5. Wait for the text confirmation of your transaction.

How to Use GCash QR for Shopping

GCash App - GCash QR Scan to Pay

Did you know that you can also pay for your purchases using your phone? You can use the GCash QR service at partner stores like the SM Store, Ayala Malls, Robinsons Malls, Jollibee, Ministop, and more.

How to Shop via GCash QR

  1. From the GCash dashboard, tap “Pay QR.”
  2. Tap “Scan QR Code” or “Generate Code.”
  3. For Scan QR Code: Point your smartphone at the merchant’s QR code to start scanning.
  4. For Generate Code: Show to the cashier the barcode and QR code on your screen.
  5. Enter the amount to pay and confirm your payment.
  6. Wait for the text confirmation of your transaction.

How to Buy Load via GCash

  1. From the GCash dashboard, tap “Buy Load.”
  2. Enter the phone number to load and tap “Next.”
  3. Choose the amount of load you want and tap “Next.” You can also swipe right to check out other promos for specific network providers.
  4. Review your order and tap “Pay.”
  5. Wait for the text confirmation of your transaction.

Final Thoughts

If you have questions or need quick help, you can call the GCash hotline (just dial 2882) or chat with a GCash representative via Messenger. Have you tried using the GCash app? How’s your experience? Share your thoughts below!

Sources:

0 0 vote
Article Rating

About Maida
She is Zipsite's all around Zipsiter. Only clocks out when she can barely stand. She sings, bakes, and tries so hard to be fit. But don't judge, she can literally strong arm you no problem. She's currently involved with eCorp, Contrib and VNOC, besides being a Brazilian Jiu Jit Su practitioner.

Subscribe
Notify of
0 Comments
Inline Feedbacks
View all comments
ajax-loader
0
Would love your thoughts, please comment.x
()
x
%d bloggers like this: