How to Transfer Money from Ria to GCash: Complete Guide

Ria¹ international money transfers are available in many countries and regions globally, and can be set up in person at a Ria location, or online or in app if the person sending money wants a more convenient option.

As GCash² is a super popular mobile wallet and card option here, receiving a remittance from Ria to GCash may seem like the natural way to get a payment from abroad.

How to Send Money from Ria to GCash

Depending on where in the world they are, your sender may be able to set up a Ria to GCash payment so you can get your money in PHP to your GCash wallet. Usually, payments to mobile wallets can only be made in the Ria app - not at an in person location.

The options to make a Ria payment can vary a bit depending on where in the world, the sender is. In this guide we’ve used Ria US as our key source of information⁴ - if your sender is in another country, they’ll need to log into Ria’s local site to check if they can make GCash payments from their home country. And if not - no worries - we’ve also got a bit about an alternative, Wise, which is available in most countries around the world for easy payments to banks and GCash accounts.

Ria to GCash Payments: Eligibility

As we’ve mentioned, you may run into a couple of important Ria to GCash eligibility requirements:

1. Ria to GCash payments may not be available in all countries Ria operates in - your sender will need to check they are supported in their home country
2. You’ll need a fully verified GCash account to receive a payment from Ria

As the recipient of a Ria to GCash payment you’ll need to make sure you have a fully verified GCash account. This is easy to do online or in the GCash app as long as you have a government issued ID document, like your passport, to hand. Here are the steps to verify your account assuming you’re over 18, and have a Philippines mobile number⁵:

1. Log into the GCash app, and tap Profile
2. Select Verify Now, and then tap Get Started
3. Read through the verification requirements, and tap Next
4. You’ll be sent an authentication code - enter this and tap Next
5. Enter your birthday and confirm you are a Filipino citizen - tap Next
6. Choose which government ID to use to get verified, upload and image and take a selfie scan
7. Review your account information and tap Submit

When they arrange your payment, the sender will be able to see the Ria to GCash transfer limits which apply. These may vary a bit depending on where the sender is based and how they’ve set up their Ria account. If the payment exceeds their limits with Ria, they’ll be notified when they create the transfer.

Ria to GCash Transfer: Step-by-Step Guide

Your sender can make a Ria to GCash transfer in the GCash app. While Ria does support other payment options, including cash payments, when sending to a mobile wallet the sender must first download the Ria app.

Here’s how to make a Ria to GCash transfer, step by step⁶:

1. Log into your Ria account in app
2. Tap Send or Send money now
3. Enter how much to send and chose Mobile wallet as the Delivery method
4. Review and tap Continue
5. Enter your recipient’s details
6. Choose GCash as the wallet provider and add the recipient’s registered mobile number
7. Review details of the transfer and tap Confirm

How long does a Ria to GCash transfer take?

The Ria to GCash processing time is usually very quick. In fact, when sending to a mobile wallet, payments can be received in minutes in many cases.

Once the money is on the move, Ria to GCash tracking information will be available to the sender within the Ria app.

Ria to GCash Charges

Ria to GCash fees could include an upfront transfer cost, paid by the sender, as well as an exchange rate markup, which is a fee added into the exchange rate being used to convert from the sender’s home currency to PHP.

Ria to GCash Transfer Fee

There is no GCash fee to the recipient when you get paid to GCash by remittance from a provider like Ria⁷.

Any upfront transfer fees will instead be paid by the sender at the point of payment. Ria international transfers fees vary based on how the payment is arranged, transfer value, the location of the sender and more - but all the fees are shown to the sender before they initiate the payment.

Ria to GCash Conversion Rate

The person sending you money should see what you’re expected to receive in PHP to your GCash account before they confirm the transfer. However, it’s good to know that there could be an extra fee rolled into the exchange rate used to convert the sender’s home currency to PHP, known as an exchange rate markup.

An exchange rate markup is a percentage fee included in the exchange rate used to deposit PHP from abroad to your GCash account. Exchange rate markups are variable and change based on the payment provider, the currencies involved and how the sender chooses to fund the payment.

To see the exchange rate markup applied to your Ria to GCash payment you’ll have to get the mid-market exchange rate for your currency pair, online or with a currency conversion tool. You can then calculate the markup by comparing the two exchange rates. The difference is the markup being used for your payment.

Not all providers use marked up exchange rates. We’ll highlight one - Wise - next.

Meet Wise: Receive Remittances to GCash with low fees and the mid-market rates.

Wise international transfers to GCash and bank accounts use the mid-market exchange rate with no markup. Instead the transfer charges are shown to the sender separately for transparency, and to make it easier to check and compare the fees against other providers.

Ask your sender to take a look at Wise to transfer money from many countries and regions globally to GCash, or to a bank account instead.

As an alternative, you could consider getting your own Wise account in the Philippines, to get paid with local account details in foreign currencies. 22 currencies. If you’d prefer to get paid in a different currency like USD, GBP or EUR, you can receive your payment to Wise - often with no Wise fees - to hold, send or spend later.

No matter where you’re getting paid from, it might make sense to have your sender take a look at Wise to see how the costs and convenience compares against alternatives like Ria. Wise offers fast transfers with low, transparent fees and the mid-market exchange rate, which could work out better for both of you.

Send money to the Philippines with Wise 👉