How to Set Up and Verify Your GCash Account
GCash is the Philippines' leading mobile wallet and one of the most useful apps for everyday life — from paying bills and buying load, to transferring money, shopping online, and even investing. If you haven't set up your account yet, or if you're still using an unverified account with limited features, this guide walks you through everything you need to know.
Step 1: Download the GCash App
The GCash app is available for free on both the Google Play Store (Android) and the Apple App Store (iOS). Make sure you download the official app published by Mynt – Globe Fintech Innovations, Inc.
Step 2: Create Your Account
- Open the GCash app and tap "Get Started."
- Enter your Globe or TM mobile number. GCash is currently tied to Globe/TM SIM cards.
- Enter the One-Time PIN (OTP) sent via SMS to your number.
- Set up a secure 4-digit MPIN — this is your transaction PIN, so choose something memorable but not obvious.
- Enter your basic personal details: name, birthday, and email address.
Step 3: Verify Your Identity (KYC)
An unverified GCash account has limited transaction caps. To unlock full features, you need to complete the Know Your Customer (KYC) verification process.
- In the app, go to your profile and tap "Verify Now."
- Prepare a valid government ID — accepted IDs include: passport, driver's license, SSS ID, PhilSys (National ID), UMID, PRC ID, voter's ID, or postal ID.
- Take a clear photo of the front and back of your chosen ID.
- Complete the liveness check — the app will ask you to take a selfie and sometimes perform facial movements to confirm you're a real person.
- Submit and wait for verification. This usually takes a few minutes to a few hours.
What's the Difference Between Verified and Unverified?
| Feature | Unverified | Fully Verified |
|---|---|---|
| Monthly wallet limit | ₱8,000 | Up to ₱100,000 |
| Send money | Limited | Full access |
| GCash Save | No | Yes |
| GInvest | No | Yes |
| GCredit / GLoan | No | Subject to eligibility |
Key Features to Explore After Verification
- Send & Receive Money — Transfer funds to any GCash user or bank account instantly
- Pay Bills — Settle Meralco, PLDT, water bills, government fees, and more
- GCash QR — Scan to pay at thousands of partner merchants nationwide
- Buy Load — Top up any mobile number (Globe, TM, Smart, TNT)
- GSave — A high-interest savings account powered by CIMB or BPI
- GInvest — Invest in mutual funds starting at just ₱50
Security Tips
- Never share your MPIN or OTP with anyone — GCash will never ask for it
- Enable biometric login (fingerprint or face unlock) for faster and safer access
- Be cautious of phishing links sent via SMS or social media
- Regularly check your transaction history for unauthorized activity
GCash has become an essential tool for navigating daily life in the Philippines. Getting fully verified unlocks its full potential — from saving and investing to seamless cashless payments everywhere you go.