GCash, the leading mobile wallet in the Philippines, has announced an important update to its app terms, introducing a monthly transaction limit on its Express Send feature. The new policy will take effect on May 10, 2025, and aims to improve compliance with regulatory requirements while enhancing security and transaction monitoring.

New Express Send Transaction Limits

Under the updated terms, GCash users will be restricted to:

• 550 send transactions per month
• 500 receive transactions per month

This means that once a user reaches the transaction cap, they will be unable to send or receive funds using the Express Send feature until the following month when the limit resets.

How Does This Affect Users?

GCash’s Express Send service is widely used for fast and seamless money transfers between accounts. The introduction of these limits means that heavy users of the platform, particularly businesses or individuals who frequently send money, may need to adjust their transaction habits.

For users who find themselves exceeding the limits often, GCash recommends upgrading to a GCash Pera Outlet (GPO) account, which may offer additional flexibility in transaction handling.

Why Is GCash Implementing These Limits?

While GCash has not provided full details on the specific reasons behind this change, it is likely part of broader regulatory and compliance measures to align with financial policies and security protocols. Transaction limits can help prevent fraud, money laundering, and other illicit activities while ensuring smoother operations within the platform.

What Happens If You Reach the Limit?

Once a user reaches the 550 transaction limit, they will no longer be able to send or receive funds through Express Send until the next month. This could impact users who rely on GCash for daily transactions, requiring them to explore alternative transfer methods or plan their transactions more strategically.

What Should Users Do?

1. Monitor your transactions – Keep track of your send and receive transactions to avoid hitting the cap unexpectedly.
2. Plan your payments wisely – Consider grouping transactions instead of making multiple small transfers.
3. Explore alternative GCash services – Check if other GCash features, such as bank transfers or Pera Outlets, can help manage your funds more effectively.