GCash + Maya Cash-Out Fee Calculator 2026
See how much you’ll actually receive after GCash or Maya transfer, cash-out, and ATM fees. Updated with 2024-2026 BSP-regulated rates including free InstaPay/PESONet thresholds.
📅 Updated May 2026
🏦 InstaPay + PESONet
💸 All cash-out channels
Select Platform
Transaction Details
Free transfers between GCash users
Minimum varies per channel
For monthly fee total
You Receive
₱5,000
After ₱0 fee
Send amount₱5,000
Fee per transaction₱0
Effective fee rate0.00%
Net received₱5,000
GCash vs Maya Cash-Out Fees Compared (2025-2026)
Both GCash and Maya follow Bangko Sentral ng Pilipinas (BSP) rules requiring free or reduced fees on InstaPay and PESONet transfers up to certain thresholds. Beyond those thresholds and for cash-out at physical outlets, fees apply. Here’s the current rate sheet for both platforms.
GCash Cash-Out Fees
| Transaction | Fee |
|---|---|
| GCash to GCash (Send Money) | FREE |
| Bank Transfer via InstaPay | ₱15 per transaction (some banks free) |
| Bank Transfer via PESONet | ₱8 per transaction (some banks free) |
| Cash-out at 7-Eleven / partner outlet | 2% (minimum ₱20) |
| GCash Mastercard ATM withdrawal | ₱20 per withdrawal |
| GCash Padala (within PH) | 1% (minimum ₱11) |
| Cash-in via Visa/Mastercard | 2.58% of cash-in amount |
Maya Cash-Out Fees
| Transaction | Fee |
|---|---|
| Maya to Maya (Send Money) | FREE |
| Bank Transfer via InstaPay (up to ₱50,000) | FREE |
| Bank Transfer via PESONet | FREE |
| Cash-out at 7-Eleven / partner outlet | 2% (minimum ₱20) |
| Maya Card ATM (1st withdrawal/month) | FREE |
| Maya Card ATM (subsequent withdrawals) | ₱18 per withdrawal |
| Send abroad | Varies by country (typ. 1-3%) |
How to minimize cash-out fees
- Use Maya for bank transfers under ₱50K — InstaPay and PESONet are free
- Stay within the e-wallet ecosystem — paying merchants via QR is always free
- Time your ATM withdrawals — Maya gives one free ATM withdrawal per month
- Avoid partner cash-out for large amounts — the 2% fee scales with amount (₱100 fee on ₱5,000 cash-out)
- Bundle transfers — one ₱20,000 transfer costs less in fees than four ₱5,000 transfers
- Check your bank’s GCash partnership — BPI, UnionBank, and others may have free InstaPay transfers from GCash
Frequently Asked Questions
Why is BSP forcing e-wallets to offer free transfers?
Under BSP Memorandum No. M-2023-014 and subsequent issuances, the Bangko Sentral ng Pilipinas mandated free InstaPay and PESONet transfers for individual accounts up to specific thresholds (currently ₱1,000 daily for InstaPay free tier as of 2024). This is part of the Philippine Payments and Settlements System (PhilPaSS) initiative to promote cashless transactions and financial inclusion.
What’s the difference between InstaPay and PESONet?
InstaPay is real-time (transfer arrives in seconds), runs 24/7, and is capped at ₱50,000 per transaction. PESONet is batch-processed (settles within the same banking day), has no per-transaction cap, and is preferred for larger transfers like payroll or rent payments. Both are operated by BSP-licensed clearing houses.
Why am I being charged ₱15 for an InstaPay transfer from GCash?
GCash’s free InstaPay tier only applies to certain partner banks (BPI, UnionBank, Maya Bank). For other destination banks, GCash charges ₱15 per InstaPay transaction. Maya generally offers free InstaPay to any local bank up to ₱50,000 per transfer.
Can I get a free Maya physical card?
Yes. Maya issues a free virtual debit card upon account verification, and you can order a physical Maya Card delivered to your address for ₱150-180. The card works at any Mastercard-accepting establishment and ATM. Your first ATM withdrawal per month is free; subsequent withdrawals cost ₱18.
Why are partner outlet cash-outs more expensive than ATMs?
Partner outlets (7-Eleven, Bayad Center, Cebuana, etc.) charge a 2% fee with a ₱20 minimum because they pay handling fees to the cash-out operator. For amounts under ₱1,000, ATM withdrawals (₱18-20 flat) cost less. For amounts above ₱1,000, partner outlets may be more expensive — a ₱5,000 cash-out costs ₱100 in fees vs. ₱20 at an ATM.
Are e-wallet transfers safe?
GCash (owned by Mynt/Globe Fintech) and Maya (owned by Voyager Innovations) are both BSP-licensed Electronic Money Issuers (EMI). Funds are insured up to ₱500,000 per depositor by the PDIC for Maya Bank deposits and held in trust accounts for GCash. Avoid sharing your MPIN, OTP, or login credentials with anyone — the most common fraud vector is social engineering, not platform breach.
Which e-wallet is better for receiving foreign remittance?
Both accept inbound remittances via partner networks (Western Union, Remitly, Wise to GCash; PayPal, Wise to Maya). Maya’s PayPal integration is more seamless. GCash’s higher transaction limits make it better for large lump-sum receipts. For OFW family support, GCash Padala has broader cash-out network through 7-Eleven and Cebuana.
Fees subject to change. E-wallet providers and BSP regulations update fees periodically. Verify current rates in your GCash or Maya app before transacting.