Payments FAQ — GCash Deposits, Withdrawals, Limits & Fees
Everything about moving money in and out of your account — the real limits, the fees, and how long a cashout actually takes. All amounts are in Philippine pesos and all payments are peso-denominated, so there is no currency conversion to worry about.
Limits, fees and timing at a glance
These figures assume your account is verified. The casino side does not charge a payout fee; any cost comes from the wallet or rail itself.
| Method | Deposit | Withdrawal | Key limits & fees |
|---|---|---|---|
| GCash | Instant, from ₱50 | Minutes to ~1 hr | ₱100,000/day; cash-in free to ₱8,000/mo then ~2% |
| Maya | Instant | Minutes to a few hrs | ~₱15 per outbound InstaPay transfer |
| GoTyme | Instant (InstaPay/QRPh) | Real-time to a few hrs | Free InstaPay transfers; BSP-licensed |
| InstaPay rail | Seconds | Instant to minutes | ₱50,000 per transaction, ₱500,000 per day |
| PESONet | Same/next banking day | Same/next banking day | Batch settled; better for large amounts |
InstaPay vs PESONet — which rail applies
GCash cashouts ride InstaPay, a real-time rail that runs 24/7 including weekends and holidays. Its caps are ₱50,000 per transaction and ₱500,000 per day. For sums larger than a single InstaPay transaction allows, split the payout across transactions or days, or use PESONet — a batch rail meant for larger transfers that settles on the same or next banking day.
Why a payment might stall
- The sending account isn't in your own name — third-party accounts are rejected under PAGCOR rules.
- You've hit the ₱100,000 daily GCash limit or the InstaPay ₱500,000 daily cap.
- You tried during GCash's 12:00–03:00 PHT maintenance window, when transfers can lag.
- Your first withdrawal is still pending KYC review, which is a one-time check that takes 24–48 hours.
Frequently Asked Questions
What is the minimum GCash deposit?
The minimum GCash deposit is ₱50, and it reflects in your balance within seconds over the InstaPay rail.
How much can I deposit or withdraw per day?
GCash allows up to ₱100,000 in a day. Cashouts run on InstaPay, capped at ₱50,000 per transaction and ₱500,000 per day. For larger payouts, split them or use PESONet.
Are there withdrawal fees?
PANALOKO does not charge a cashout fee. On the wallet side, GCash cash-in is free up to ₱8,000/month then about 2%, Maya charges roughly ₱15 per outbound InstaPay transfer, and GoTyme InstaPay transfers are free.
How long does a GCash cashout take?
Once KYC is done and the payout is approved, GCash withdrawals land in minutes to about an hour. First-time or peak-period payouts can take up to around three hours.
Can I deposit from a friend's GCash?
No. Accounts and payment sources must be in your own name. Deposits from a third-party wallet are rejected, and it can delay verification of your account.