How To Send Money To GCash From USA (4 Ways)

Millions of Filipinos –and a good number of foreigners as well – use the GCash app for their daily transactions. With GCash, people can easily send money within less than a minute. Filipinos living or traveling outside of the Philippines use GCash often, too.

If you plan on going to the US anytime soon, are living in the US, or have relatives in the US, you might be wondering if you can send money to GCash from there. To know more about how to use GCash from the US, keep reading this article.

Can I use GCash in the USA?

GCash users can access their accounts and transact even when they are overseas. You will be able to use your GCash account in the United States. However, there are limitations, and you will not be able to use GCash as a payment method for merchants in the US.

Fortunately, GCash will be available in the US very soon. Users will be able to use all features once they have rolled out the app there.

How to send money on GCash from the USA

There are numerous ways you can send money to a GCash wallet from the United States. You will have to use third-party platforms to do this.

Here are some of the ways you can send money on GCash from the USA:

Via Remitly

Remitly is a US-based remittance service where you can send money online from the US to over 100 countries. To send money to GCash using Remitly, just follow the steps below.

Step 1: Using the Remitly App or the website (, log into your account.

Step 2: Choose Mobile Money – GCash and enter the desired amount to send.

Step 3: Fill in the receiver’s details.

Step 4: Enter your payment information using a credit card, debit card, or bank account.

Step 5: Verify the transaction details, then complete the transaction.

Remitly fees

Here are the fees you can expect to pay when using Remitly to send money.

Send money to mobile walletFree
Send money to bank or debit card depositFree
Cash pick up or home deliveryUSD 4.99

Via Wise

Wise, formerly known as TransferWise, is another online money remittance provider that is growing more popular with Filipino freelancers and digital nomads. If you want to know how to send money to GCash using Wise, refer to the following steps:

Step 1: Go to the Wise website and log in to your Wise account.

Step 2: Select the “send money” button in the navigation bar.

Step 3: Choose where your money will be transferred from.

Step 4: Select the “International” tab.

Step 5: Enter the amount you will be sending to the recipient.

Step 6: Select “E-wallet” and input the recipient’s details. Choose GCash as the e-wallet provider.

Step 7: Click on “confirm” to proceed with the transaction.

Step 8: Double-check the details of the transfer and click “send.”

Step 9: Track your transfer.

Wise fees

Refer to the table below for the fees that Wise charges for sending and receiving money on their platform.

Sending moneyStarting from 0.41% (fees will vary depending on the currency)
Receiving money (non-wire)Free  
Receiving money (USD wire)USD 4.14

Via Western Union

Western Union is one of the biggest and most well-known money transfer services. You can send money to GCash through Western Union by going to a physical branch or using the website.

Physical branch:

Step 1: . Complete the “send money” form. Make sure that the recipient’s name matches the name on the GCash registration. Input the GCash mobile number under account number.

Step 2: Pay the remittance’s cost (the amount to send and the transfer fee).

Step 3: Keep track of the MTCN reference number given once the transfer has been completed.

Step 4: Inform the recipient of the transfer amount they should be expecting, as well as the MTCN reference number.


Step 1: Visit the Western Union website ( on your computer or mobile phone.

Step 2: Go to the “Send money” page.

Step 3: Select the recipient’s country.

Step 4: Enter the amount you wish to transfer.

Step 5: Select “mobile wallet.”

Step 6: Choose your online payment method (credit card, debit card, or bank account).

Step 7: Complete the transaction and copy the reference number.

Western Union fees

To find out how much it will cost to send money using Western Union, you can check their online price calculator.

Via Skrill

Skrill is a digital wallet that offers online money transfer and online payment services. Follow the steps listed below to transfer money to GCash using Skrill:

Step 1: After logging in to the Skrill mobile app or website, go to the “Send” page.

Step 2: To send money to a mobile, select the Money Transfer option.

Step 3: Choose PHP as the currency and Philippines as the country.

Step 4: Please enter the desired transfer amount.

Step 5: Choose a payment option.

Step 6: Input the name and GCash-registered mobile number of the beneficiary (in the appropriate 09XXXXXXXXX format).

Step 7: The money will be sent after confirming the payment.

Skrill fees

These are the fees you need to pay when transacting with Skrill.

Send money (Skrill to Skrill)Free
Send money (with currency conversion)Foreign exchange fee of 3.99%
Receive money (Skrill to Skrill)Free

Foreign countries where you can use GCash

These are currently the countries where you can use GCash outside of the Philippines:

  • Japan
  • Malaysia
  • South Korea
  • Singapore

GCash is set to expand to the USA, the UK, France, Germany, Italy, and Australia very soon. You can also use your GCash account in other countries aside from the ones listed as long as you are a Fully Verified user.

Frequently Asked Questions (FAQs)

Can I cash in my GCash wallet while overseas?

Yes, you can add money to your GCash wallet even if you are in a different country.

How long will it take for me to receive the money in my GCash wallet?

The processing time varies depending on the platform used. It can be as quick as a couple of hours, or you may need to wait up to five business days.

Can I use GCash abroad if I am using a non-Philippine issued SIM?

If you are using a SIM card that was issued overseas, you can still use GCash but only a limited number of features will be available to you. These include Send Money, Bank Transfer, Load, Pay Bills, and Cash In.


Online payment providers have made it much easier to send and receive money no matter where you are in the world.

With GCash expanding its operations in different countries, people will be able to send money to the Philippines faster than before.