How to send money from BPI to GCash: Complete guide

Wondering how to transfer money from BPI¹ to GCash²? You’e got a couple of options, depending on whether you’re sending money to your own GCash account or to someone else’s. The good news is that the process for making a BPI transfer to GCash is very easy - whichever option you pick.

This guide walks through how to transfer BPI to GCash in both cases, and also looks at the different BPI to GCash transfer fee which applies to each transfer type.

BPI to GCash transfers

You can make a BPI transfer to GCash through Instapay³, or you can top up your GCash account from BPI by linking your GCash and BPI accounts and using GCash’s Cash in function in the app⁴. There’s also an option to add money from BPI to GCash through the BPI app, which is processed through a third party called ECPay.

These services work slightly differently and have their own fees to pay.

If you’re adding money to your own GCash account from your BPI account, using the Cash in function in the GCash app might be the cheaper option. However, if you’re sending money to someone else's GCash account this will probably need to be through an Instapay transfer.

This guide on how to transfer BPI to GCash covers both options, including the BPI to GCash transfer fee for each so you can compare and choose.

Eligibility for BPI to GCash transfer

The eligibility to make a BPI to GCash transfer depends on how you’re setting up the payment.

If you want to top up your own GCash from BPI, you can do so as long as you have linked your BPI account to GCash.

If you’re sending money to someone else’s GCash account from BPI, or if you’d prefer to use Instapay to top up your own GCash, you can do so as long as you’re registered for BPI online or mobile banking services.

It’s also worth taking a moment to check your GCash is set up in the best way for receiving a payment. This will mean getting verified to increase your account limits, and to make sure you can hold and receive transfers freely. Verified GCash accounts can hold up to 100,000 PHP while unverified accounts are only allowed to have 5,000 PHP in their balance⁵. It’s easy enough to get verified with Gcash - just upload images of a government issued ID document, to complete the process⁶. This could take up to 3 days to be completed, so start the process before you send your BPI payment.

What details are needed to send money from BPI to GCash?

If you’re sending money to your own GCash account through BPI, you can use the Cash in function in the GCash app. IIn this case, you don't need any details other than the amount you want to top up, as long as your GCash and BPI accounts are already linked. We’ll look at how to link BPI to GCash next.

If you’re sending money to GCash using Instapay you need the recipient’s GCash information, which is usually just the recipient name and phone number.

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How to transfer money from BPI to GCash: Step-by-step guide

Here’s how to link BPI to GCash so you can load your GCash account from BPI with the GCash Cash in feature⁷:

1. Log into your GCash account and tap Profile
2. Navigate to My Linked Accounts and pick BPI
3. You’ll be prompted to enter your BPI Online username and password
4. Enter the 6-digit OTP sent to your registered mobile number

Once your BPI account is linked to GCash you can cash in GCash in the following way:

1. Log into your GCash account and navigate to Cash in
2. Pick BPI from the partner list
3. Enter the amount to cash in and the BPI account you want to pay from
4. Enter the 6-digit OTP sent to your registered mobile number

The alternative method - and the one you’d have to pick if you’re sending money from BPI to someone else’s GCash account - is to use an Instapay transfer. In this case you’ll need to initiate the payment from BPI in the following steps:

1. Log into your BPI account online or in the BPI app
2. Select Transfer and then Transfer to another bank
3. Choose the BPI account you want to transfer out from, and then pick GCash as the recipient account
4. Enter the GCash information for the recipient - usually their phone number
5. Enter the amount to be transferred
6. Confirm the transfer with your Mobile Key

There’s also the option to add money to GCash from the BPI app through ECPay - this can be done by logging into BPI and navigating to the wallet top up function. The fees for this service are higher compared to using the GCash Cash in feature, as we’ll see a little later.

What else do I need to know when sending money from BPI to GCash

BPI makes it very easy to move money from BPI to GCash. You’ve got a couple of different options depending on the scenario, but both are quite user friendly. Let’s round up a few other pointers to make sure your transfer goes through smoothly.

How long does a BPI to GCash transfer take?

If you’re topping up GCash through the Cash in function, the money should be instantly available. Instapay transfers are also usually available in real time.

BPI to GCash transfer fee

As we’ve seen, there are several different ways to add money to GCash from BPI. Each has its own pros and cons - and the fees are different too. Here’s a roundup:

BPI to GCash conversion rate for foreign currency transfers

If there’s currency conversion needed at any stage in your transaction - for example if you hold a USD account with BPI and need to convert to PHP to send to GCash - the exchange rate is important.

The exchange rate will often include a variable markup, which is a fee added to the exchange rate you might find on Google. This is a very common practice but it does make it harder to see what you’re paying for a transaction.

Before you convert currencies with BPI for your transfer, take a look at alternative options - like Wise which we’ll examine next.

Send money with low, transparent fees, and the mid-market rate with Wise

Take a look at Wise as a perfect solution if you need to manage your money or make payments in foreign currencies.

The Wise account can help whether you need to send or receive payments. You can hold and exchange 40+ currencies, with local and SWIFT details to receive payments in 8+ currencies, as well as ways to send money from overseas to banks and wallets like GCash in the Philippines.

This means that you can get paid in USD, AUD, CAD and more directly to your account, with no hidden fees and markups. You can then convert to PHP or any of the currencies available on Wise at the rate you see on Google with low fees from 0.33%.

To send international transfers to or from the Philippines, consider opening a Wise account to make payments with the [mid-market exchange rate](https://wise.com/ph/mid-market-rate) with no margin or markup added¹⁰.

Or if you need to receive payments, you could open an account online or in the Wise app, to receive transfers in foreign currencies conveniently, which you can hold, spend or exchange however you choose to. The next time you need to send or receive a foreign currency payment, take a look to see if Wise could save you some money

🚀 Get started with Wise

1. BPI
2. GCash
3. BPI Instapay
4. GCash help - Cash In via local banks
5. GCash Help - wallet limits
6. GCash verification documents
7. BPI Help - Cash in GCash
8. BPI GCash fee announcement
9. BPI fee schedule
10. Pricing/fees: Please see Terms of Use for your region or visit Wise Fees & Pricing for the most up to date pricing and fee information