How to Pay Bills with GCash

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

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.

GCash Fees to Take Note of

Make sure to review the fees before completing a transaction with GCash. Majority of GCash transactions are free of charge, but there are several ones that incur minimal fees.

Bills Payment

Most GCash billers do not charge a service fee. Below is a list of major billers and their corresponding GCash fees. For a full list of GCash billers, click here.

  • BIR – no additional fee
  • Cablelink – no additional fee
  • Cignal – no additional fee
  • Credit cards – no additional fee for all registered billers
  • Manila Water – no additional fee
  • Maynilad – no additional fee
  • Meralco – no additional fee
  • Meralco Kuryente Load – PHP 8 to PHP 60 additional fee, depending on load
  • Pag-IBIG – no additional fee
  • PLDT DSL – PHP 7 additional fee
  • PLDT Landline – PHP 7 additional fee
  • Sky Broadband – no additional fee
  • SkyCable – no additional fee
  • SSS – no additional fee

Cash-in via Online Banking

Cashing in is free of charge for the following channels:

  • BPI
  • PayPal
  • Unionbank

As of November 1, 2020, the following GCash partner banks that use InstaPay will charge you PHP 15 per bank transfer transaction.

  • AUB
  • BDO
  • EastWest Bank
  • Landbank
  • Maybank
  • Metrobank
  • PNB
  • PSBank
  • RCBC
  • UCPB

Over-the-Counter Cash-in

Cashing in is free in all over-the-counter outlets until you reach a monthly threshold of PHP 8,000. When you reach this limit, GCash will apply a service fee of 2% each time you cash-in. The service will be automatically deducted from the amount you cashed-in.

Cash-in via Remittance

Receiving remittances on the GCash app is absolutely free. However, when sending money via GCash, a service fee of up to 2% of the total amount may be charged.

For example, if you are to send PHP 5,000, the fee you would have to pay is PHP 100. (PHP 5,000 x 0.02 = PHP100)

Frequently Asked Questions

1. How do I convert my Globe Points to GCash?

Exchange your Globe Reward Points to GCash e-money by following the steps below:

  1. Go to the Globe Rewards app.
  2. Click on any of the following the GCash app badges:
    20 points promo – use 20 points to get P20.00 of GCash credits
    30 points promo – use 30 points to get P30.00 of GCash credits
    50 points promo – use 50 points to get P50.00 of GCash credits
  3. You will receive an SMS from 4438 confirming promo redemption
  4. You will receive your GCash reward within three (3) days upon redemption

You can redeem this promo several times in a day as long as you have sufficient Globe Rewards Points.

2. How to load Cignal using GCash?

Can I load my Cignal account using GCash? Yes, you can! To do this, you have to purchase Cignal E-Pins on the GCash app. These E-Pins are used to top up Cignal accounts. Just follow these steps:

  1. Go to ‘Buy Load’ on your GCash app
  2. Input the mobile number that will receive the PIN. Tap ‘Next’.
  3. Click the ‘PayTV’ tab and select a Cignal TV prepaid package. Tap ‘Next.’
  4. Confirm the information. Click ‘Pay’ to finish the transaction.
  5. You will receive an SMS with the purchased PIN.
  6. Copy the PIN and proceed to load via SMS or via the Cignal Web Loading Tool.

Take note of the following when loading your Cignal TV account via GCash:

  • Cignal E-Pins may be purchased and sent to any one
  • You can only use Cignal E-Pins in Cignal accounts
  • Purchased Cignal E-Pins are considered sold and cannot be refunded
  • For special packs like Pay-Per-View, the keywords to be used will be broadcast per event.

Final Thoughts

Hope this guide on how to use GCash helped you. If you have questions or need quick help, you can call their hotline (just dial 2882) or chat with a representative via Messenger.

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