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 the July 2026 InstaPay fee cut: bank transfers now cost ₱10 on both GCash and Maya.
📅 Updated October 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 (2026)
Under BSP Circular No. 1238 (effective July 4, 2026), InstaPay fees must be reasonable and based on the actual cost of the service. GCash and Maya both cut their InstaPay fee from ₱15 to ₱10. Here’s the current rate sheet for both platforms. For the full breakdown including cash-in limits and bills payment, see our GCash vs Maya Fees 2026 guide.
GCash Cash-Out Fees
| Transaction | Fee |
|---|---|
| GCash to GCash (Send Money) | FREE |
| Bank Transfer via InstaPay | ₱10 per transaction (since July 4, 2026) |
| Bank Transfer via PESONet | ₱8 per transaction (some banks free) |
| Cash-out at partner outlet (Puregold, Cebuana, ECPay) | 2% of amount |
| GCash card ATM withdrawal | ₱0–18 per withdrawal (set by the ATM) |
| 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) | ₱10 per transaction (since July 2026) |
| Bank Transfer via PESONet | FREE |
| Cash-out at 7-Eleven / partner outlet | 2% (minimum ₱20) |
| Maya Card ATM (Maya Bank ATMs) | FREE |
| Maya Card ATM (other banks) | Network fee may apply |
| Send abroad | Varies by country (typ. 1-3%) |
How to minimize cash-out fees
- Use PESONet on Maya for non-urgent transfers — it’s free, while InstaPay costs ₱10
- Stay within the e-wallet ecosystem — paying merchants via QR is always free
- Withdraw at the right ATM — Maya Card withdrawals are free at Maya Bank ATMs
- 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 ₱10; four ₱5,000 transfers cost ₱40
- Check your bank’s fees — BPI now waives InstaPay and PESONet fees, and RCBC Pulz gives 30 free InstaPay transfers a month
Frequently Asked Questions
Why did InstaPay fees go down in 2026?
BSP Circular No. 1238, effective July 4, 2026, requires banks and e-wallets to charge reasonable, market-based InstaPay fees proportionate to the actual cost of the service. GCash and Maya cut their fee from ₱15 to ₱10, BPI waived InstaPay and PESONet fees entirely, and LandBank lowered its fee to ₱8.
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.
How much is the InstaPay fee on GCash and Maya?
₱10 per transfer on both apps since July 2026 (down from ₱15), with a maximum of ₱50,000 per transfer. Transfers within the same app (GCash to GCash, Maya to Maya) are free, and Maya’s PESONet transfers are free.
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. Withdrawals are free at Maya Bank ATMs; other banks’ ATMs may charge a network fee, shown before you confirm.
Why are partner outlet cash-outs more expensive than ATMs?
Partner outlets (7-Eleven, Bayad Center, Cebuana, etc.) charge a percentage fee (2% on GCash) because they pay handling fees to the cash-out operator. ATM withdrawals with a GCash card cost ₱0–18 flat, so for anything above about ₱900 the ATM is cheaper — a ₱5,000 cash-out costs ₱100 at an outlet vs. ₱18 or less at an ATM. Cheaper still: transfer to your own bank for ₱10 and withdraw there.
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.