The GCash limit per month depends on your account's verification status. Basic GCash accounts have a monthly limit of PHP 5,000, while Fully Verified GCash accounts have a significantly higher monthly limit of PHP 100,000.
Understanding your GCash monthly limit is crucial for managing your digital transactions effectively. This limit typically applies to the total amount of money that can enter (receive) and leave (send/spend) your GCash wallet within a given calendar month.
Monthly GCash Wallet and Transaction Limits
The specific monthly limits vary based on whether your GCash account is basic or fully verified. Here's a breakdown:
| GCash Profile | Monthly Limit (Wallet & Transactions) |
|---|---|
| Basic Account | PHP 5,000 |
| Fully Verified | PHP 100,000 |
- Basic Account Holders: If your account is not yet fully verified, your total incoming and outgoing transactions combined are capped at PHP 5,000 per month. This means you can only receive, send, or spend up to PHP 5,000 in total within a month.
- Fully Verified Account Holders: Once your GCash account is fully verified, your monthly limit is expanded to PHP 100,000. This higher limit allows for greater flexibility in managing larger transactions, whether it's for receiving payments, sending money, paying bills, or making purchases. While the reference indicates "None" for the monthly outgoing transaction limit for fully verified accounts, this implies that the PHP 100,000 wallet limit is the effective overall monthly cap for transactions as well.
Why Verification Matters
Account verification is a critical step to unlock higher transaction limits and access the full range of GCash services. A fully verified account undergoes a Know Your Customer (KYC) process, which typically involves submitting a valid ID and a selfie. This process enhances the security of your account and complies with financial regulations, allowing GCash to offer higher transaction ceilings.
Benefits of a Fully Verified Account:
- Higher Limits: Enjoy a significantly increased monthly limit of PHP 100,000, enabling more substantial transactions.
- Full Service Access: Gain access to all GCash features, including certain bill payment options, online shopping, and higher cash-in/cash-out limits.
- Enhanced Security: Verification adds an extra layer of security to your account.
To check your current GCash limit or to learn how to verify your account, you can refer to the official GCash support resources.
