How to send money from GCash to Maya (Formerly PayMaya): Complete guide

Both Maya¹ (formerly PayMaya) and GCash² are very popular e wallets in the Philippines which allow users to manage their money using little more than a smartphone. Both offer great features and services, with an intuitive interface and - in most cases - low fees.

But are they compatible? Can you make a GCash to Maya transfer and if so, how to send GCash to PayMaya in the cheapest, easiest way? This guide has you covered, including a full step by step guide and a look at the GCash to Maya transfer fee you should know about.

GCash to Maya (Formerly PayMaya) transfers

If you want to know how to transfer GCash to PayMaya you’re in the right place. Luckily enough, the process is easy and can be fast too - as long as both the sender and recipient have eligible accounts. There’s a fee to pay to GCash, but if the transfer fails, the full payment including the charge, should be credited back to the sender’s account³.

Before you start with GCash to Maya payments, it’s worth checking your account is properly set up and verified, and also getting all of the information you need from the recipient to make a safe transfer. Read on for all you need to know.

Eligibility for GCash to Maya transfer

Before you send a GCash to PayMaya transfer, it’s a good idea to make sure that both you as sender, and the recipient, have verified accounts with the provider. While you may be able to send a GCash to Maya transfer without completing verification, your options are very limited - making this the ideal time to upgrade your account by adding a few documents. Here’s what to do.

If you’re a Filipino over 18, including overseas workers, you can get verified with GCash by snapping a photo of a government issued ID and uploading it. Documents which are accepted include⁴:

• National ID (Card Type)
• National ID (Paper Type) / Digital National ID
• Passport
• HDMF (Pag-Ibig Loyalty Plus)
• Driver's License
• Philippine Postal ID
• PRC ID
• UMID
• SSS ID

You’ll also need to take a selfie and add a bit of information to your account to get a fully verified account with GCash. It’s worth getting verified with GCash if you intend to send payments, because an unverified account is likely to have a 5,000 PHP outgoing payment limit every month. If you need more than this you can get verified to let you send up to 100,000 PHP a month, or take a few extra steps to increase your wallet limit to 500,000 PHP if you’re using the service very regularly⁵.

Maya also has options to upgrade to an account with a higher wallet limit and more features. This may be a smart move for your recipient, and it’s also a very simple job. Like with GCash you’ll just need to add an image of some ID documents and then record a quick video selfie to prove you’re really who you say you are⁶. This then increases the flexibility of your Maya account and could open the door to new features.

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

Before you can send a payment from GCash to Maya you’ll need to make sure you have the recipient’s details correctly. While GCash may refund a payment which fails, they’re not likely to give you your money back if you simply use an incorrect phone number and send the money to the wrong recipient.

So - to send a GCash to Maya transfer, make sure you check your recipient’s Maya account details. Usually this is the 11 digit phone number they used to register with Maya in the first place.⁷

Sign up for a free Wise account

How to send money from GCash to Maya: Step-by-step guide

Once you and your recipient have checked that your e wallet accounts are in order, you can start your GCash to PayMaya transfer. Here’s what you need to do:

1. Log into GCash and navigate to the Bank Transfer page
2. Select the Maya logo, or look out for Maya Philippines, Inc or Maya Wallet on screen
3. Enter the amount to send and the Maya account number, usually the recipient’s phone number
4. Tap Send Money once you’ve added all the required information
5. Review the transfer details then tap Confirm

What else do I need to know when sending money from GCash to Maya (Formerly PayMaya)

You’re almost there. To make sure your GCash to Maya payment goes through OK let's look at a few final pointers.

How long does a GCash to Maya transfer take?

The length of time it takes for your GCash to Maya transfer to arrive depends a bit on how the transfer is set up and processed. If you’re sending money using InstaPay the funds may be instantly available. Where PESONet payments are selected, the delivery time could be the same business day or the day after, depending on the time of day when the transaction is confirmed.

If you’re unsure about the payment delivery time, you can track your transfer in the GCash app.

GCash to Maya transfer fee

When you send a payment with GCash to a digital wallet like Maya there’s usually a 15 PHP fee to pay. There’s no fee for the recipient to pay to Maya⁸.

GCash to Maya conversion rate for foreign currency transfers

If currency conversion is needed at any point in the transaction - when loading funds to GCash for example, or when sending to Maya, you’ll need to know the conversion rate that will be applied. Exchange rates are set by the provider which processes the currency conversion, and can often include a fee known as a markup.

This fee is common, but it’s hard to spot because it’ll be added into the rate you’re quoted rather than being split out as a separate line on your bill. To see if a conversion charge has been added, you’ll need to take the exchange rate you’re quoted and then compare it to the mid-market rate you can get from Google. The difference here is likely the markup - and it can mean the recipient gets less than expected in the end.

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

If you need to send or receive international payments in PHP, you might like to take a look at Wise which has fast, low cost transfers which can be sent to banks in the Philippines and around the world - and wallets like GCash and Maya, too.

Wise international money transfers are set up online or in app. Ang pagpapadala ng pera abroad sa Wise ay madaling i-set up online o sa Wise app, with low fees na nagsisimula sa 0.57%. Gamit din ang mid-market rate, papunta sa mahigit 140+ na bansa. Walang patong idinagdag sa exchange rate na ginagamit para i-convert ang pera mo, kaya mas madali mong makikita kung magkano talaga ang binabayaran mo kada transfer, at kung ano ang matatanggap ng recipient.

Para mas madali ang pagpapadala, gumawa lang ng libreng Wise account. Mae-enjoy mo nang i-manage at i-convert and pera mo sa PHP at sa 40+ pang currencies. Makukuha mo rin ang sulit na exchange rate at masusubaybayan mo din ang transfers sa account mo. Pwede ka ring makakuha ng 8+ local account details para makatanggap ng pera sa PHP, USD, GBP, at marami pang iba.

🚀 Magsimula sa Wise

1. Maya
2. GCash
3. GCash Help - transfer
4. GCash verification documents
5. GCash Help - wallet limits
6. Maya - upgrade account
7. Maya cash in
8. Maya terms and conditions
9. 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