How to Send Money from GCash to Smart Padala

Smart Padala allows both the sender and recipient to send and receive money even if they do not have a bank or e-wallet account.

Of course, it’s easier when you already have an e-wallet account such as GCash and PayMaya.

If you want to know how to send money from GCash to Smart Padala without leaving your home, check out the details below.

What is Smart Padala?

Smart Padala is a mobile remittance service provider operating since 2005, and you can see it almost everywhere you go in the Philippines.

It operates under PayMaya Philippines, Inc., and it can send money within the country and abroad.

With Smart Padala Outlets, you can also cash into your PayMaya account, pay bills, and buy prepaid load.

Almost anyone can also be a Smart Padala agent, whether they own a sari-sari store or a big business.

How to send money from GCash to Smart Padala with fewer fees

There’s no direct way to send money from GCash to Smart Padala, and GCash confirms this on their website.

While we may not know the exact reason why we have a hack for you to save on transfer fees.

If you keep your money in your GCash account, you can directly transfer it to PayMaya because they are both enrolled in the InstaPay system.

However, there is a P15 transaction fee from GCash to PayMaya.

To save on fees, continue reading the following sections for step-by-step tutorials.

It is cheaper than going to a Smart Padala location, and you can do it all on your phone.

Part 1: How to send money from GCash to ShopeePay

If you are not yet familiar with this method, here are the steps:

Step 1: Open the Shopee app on your smartphone.

Step 2: Go to the Me tab.

Step 3: Click on ShopeePay under My Wallet.

Step 4: Tap on the Cash In button.

Step 5: Click on Payment Center / e-Wallet.

Step 6: Select GCash from the options, then click on the Confirm button.

Step 7: Tap an amount or input any other amount you want.

Step 8: Click on the Pay Now button.

Step 9: Log in to your GCash account on the interface and approve the payment.

There is no transfer fee from GCash to ShopeePay wallet, and you can now go to the next part to transfer the money to your PayMaya account.

Part 2: How to transfer money from ShopeePay to PayMaya

This step is also free of charge and easy to do once you already have a verified ShopeePay account:

Step 1: Open the Shopee app on your mobile phone.

Step 2: Click the Me tab, and tap ShopeePay under My Wallet.

Step 3: Tap the Send Money button.

Step 4: Select the To Other E-Wallet button.

Step 5: Input the full name of the recipient.

Step 6: Click the E-Wallet section and choose PayMaya Philippines, Inc.

Step 7: Enter the PayMaya mobile phone number.

Step 8: Click on the Next button.

Step 9: Input the amount you want to send, and tap the Next button.

Step 10: Review the details, and click the Send Money Now button.

Step 11: Enter your ShopeePay pin or use biometric authentication.

You will now receive a notification for a successful transaction.

PayMaya is not under the Bank Transfer option of ShopeePay, so the transfer of funds will be in real-time.

However, if you do not have a verified ShopeePay account, you can still directly send money from GCash to PayMaya.

How to directly send money from GCash to PayMaya

Follow this guide if you are in a hurry and do not mind the transaction fee:

Step 1: Open the GCash app on your smartphone.

Step 2: Click on the Bank Transfer icon.

Step 3: Tap View All, search for or scroll down to PayMaya Philippines, Inc.

Step 4: Input the Amount, Account Name, Account Number, and email (optional).

Step 5: Click on the Send Money button.

Step 6: Check all the details, then confirm the transaction.

Sending money from GCash to PayMaya has a P15 transaction fee.

Part 3: How to send money from PayMaya to Smart Padala

This is the last step to sending your money to Smart Padala:

Step 1: Open the PayMaya app on your smartphone.

Step 2: Click on the Send Money icon.

Step 3: On the Name, Mobile, or Account Number field, enter the account number of the Smart Padala agent until you see Smart Padala by PayMaya.

Step 4: Enter the amount you want to send.

Step 5: Utilize the Optional Message by putting the name and mobile number of the recipient.

Step 6: Click on the Continue button.

Step 7: Click on the Send button.

Step 8: Take a screenshot or take note of the recipient code and reference ID.

You can see the transfer fee below the amount to be sent, and it will also be deducted from your PayMaya account.

Because of this, the recipient of the Smart Padala will no longer need to pay a fee.

PayMaya to Smart Padala fees

Despite being under the same company, it is not free of charge to send money from PayMaya to Smart Padala.

There is a fee of 1.5% of the transaction amount, which means that for every P1000 that you send, there is a fee of P15.

If you send P5,000, the fee will be five times and would be a total of P75.

How to claim money from Smart Padala

After sending money from PayMaya to Smart Padala, it can be claimed by providing the reference ID.

In addition, the recipient should present a valid ID, their mobile number, and reference ID.

Note that Claim Anywhere does not apply to this transaction, and the recipient must go to the specific Smart Padala Outlet.

How can I get the account number of the Smart Padala agent?

You can get the account number of a Smart Padala agent by asking the recipient to go there and get it.

Alternatively, you can search for the nearest location at https://smartpadala.ph/find-a-smart-padala-agent/.

Don’t forget that it should be near your recipient and not you, because the money can only be claimed there.

How much will the recipient of Smart Padala receive?

The recipient of Smart Padala can get the whole amount the sender paid.

There should be no deductions or other fees on their end when claiming the money.

If the outlet charges a fee or deducts a payment from the remittance, you or the recipient can contact Smart Padala to report the agent.

Can I use Smart Padala as a cashout option for GCash?

If there are no nearby GCash cashout outlets from where you are, you can cash out through a Smart Padala outlet.

There is no direct way to do this, but you should follow the steps above to transfer money from GCash to PayMaya.

From your PayMaya account, you can set the recipient to yourself or go straight to a Smart Padala outlet and cash out from there.

The fee would be P15 for the GCash transfer and another 1.5 percent for the cash-out.

So for a P1000 transaction, there will be a P30 total fee.

You should compute for the best option, especially when your cash-out options also charge an additional fee aside from the two percent fee of GCash, or when you need to commute or take a ride to a nearby outlet.

Can I cash out directly from GCash to the Smart Padala outlet?

A nearby Smart Padala outlet’s owner may also be a GCash Partner Outlet.

If that is the case, you can skip the send to PayMaya part and directly request a cash-out.

The fee for cash out in a GCash Partner Outlet is just 2% or P20 for every P1000 transaction.

Does Smart Padala have an expiry?

Yes, Smart Padala can expire after two months of being unclaimed.

Don’t worry that you cannot get the money back, as the Sender can claim it.

However, the transaction fee will not be returned, which will be a hassle for the sender.

If the same money is sent again to a recipient, the sender must pay another transaction fee.

Note that sending money through a Smart Padala outlet is slightly more expensive than using PayMaya.

What if I entered the wrong Smart Padala agent account number?

In case you entered the wrong account number of the Smart Padala agent, but your payment went through, you should contact PayMaya support via (632) 845 7788, 1 800 10 845 7788 (toll-free), or *788 (for Smart subscribers), or send a message at https://cares.paymaya.com/s/contactsupport.

Where can I contact Smart Padala for concerns?

If you have questions or concerns, you can contact Smart Padala by calling (02) 8-845-7777, 15177 (free for Smart or TNT subscribers), or 1-800-10-845-7777 (PLDT toll-free).

Conclusion

Sending money is so easy nowadays that there are even workarounds on non-existing direct transactions.

If you have the money in your GCash account, you can still send it to someone via Smart Padala.

Other helpful guides:

• How to Buy Smart/Globe Load Wallet Using GCash
• GCash QR Code: Ultimate Guide
• How to Buy Load in GCash: Ultimate Guide