How to transfer from Wise to GCash- 2025

Wise -(formerly known as TransferWise) is a global provider of multi-currency card and account services, which offers easy ways to manage your money in many currencies, including PHP and 40 other currencies. You can hold a balance, exchange, spend with your Wise card, and also send payments - including payments from Wise to GCash (TransferWise to GCash).

GCash is a super popular ewallet in the Philippines with easy ways to send, receive, spend and manage your PHP payments. If you want to move money to GCash, you might be wondering how to set up a Wise to GCash transfer - this guide is for you. Moving money from the Wise app to GCash is simple, and has low fees, even if you need to convert currencies as part of the transaction. Let’s take a look.

What You Need Before Starting

Before you can spend money from Wise to GCash, you need to make sure your Wise and GCash accounts are set up and prepared. You can set up your Wise account conveniently online or in the Wise app, and get verified using your local ID document. If you’re Filippino you can choose from documents including:

• Philippines National ID (PhilID)

• Passport

• Driving licence

• UMID

If you’re a foreigner in the Philippines you need to use your passport. Once your account is verified and you have a balance, you’re ready to make a transfer to GCash.

To get your GCash account ready to accept an overseas remittance you’ll need to make sure you’re fully verified with GCash too. Again, this will involve uploading snaps of some ID to GCash to prove your identity. Exactly which documents are needed can vary depending on your nationality, your age, and whether you have a local or foreign SIM. For residents of the Philippines the requirements are similar to those for Wise, with a broad range of documents accepted for Fillipinos and a passport for foreign residents.

If you’re not a resident of the Philippines, or if you have a foreign SIM, check out the GCash Help information online to make sure you have everything you need.

Wise to GCash transfer: Step-by-Step Guide 

You’ll initiate the transfer from Wise, by logging into your Wise account online or in the Wise app. The process is guided by on screen prompts so it’s pretty simple to follow, and you can also open an in app chat to get more help if you ever need to.

Here’s how to make a Wise to GCash transfer Step-by-Step:

1. Log into the Wise app and select the currency balance you want to move funds from

2. Click Send (look for the arrow icon)

3. Enter the amount and currency you want to transfer to GCash

4. You’ll instantly see the exchange rate and any fee that’ll apply to the transfer

5. Select GCash as the receiving method following the on screen prompts

6. Add the details of the GCash wallet you want to send money to - be sure to enter the recipient name exactly as shown on their GCash account for a smooth transfer

What Happens on the Recipient's End

As the sender you can track your payment in the Wise app. Simply log into your account and tap on the transaction to see its progress.

Your payment will be deposited into the recipient’s GCash account directly once the payment has been processed.

How long does it take to transfer funds from Wise to GCash

When you send from Wise to GCash, how long the payment will take is shown before you initiate the transfer. You’ll see a delivery estimate in the Wise app before you confirm the payment, so you’ll know what to expect. Wise payments can be fast or instant - and most arrive within 24 hours.

Ultimately the amount of time it takes to transfer money to GCash or any other bank or ewallet depends on many factors including the sending currency, value and the way the payment is processed.

How much does it cost to send money from Wise to GCash?

When you send money from Wise to GCash there are variable fees depending on the details of your payment.

Payments which are received in a GCash account must be in PHP. If you’re sending a payment from a Wise balance you already hold in PHP, there’s no cost for currency conversion. There’s just a low Wise fee for processing the payment, which is usually 35 PHP, plus VAT which depends on the value of the amount you send*.

If you have a balance in another currency in Wise, Wise will manage the currency conversion at the same time that the payment is processed for sending to your recipient’s GCash wallet. Wise uses the mid-market exchange rate to convert your payment, and adds a low variable fee depending on the value of the transfer. VAT also applies. To give an idea, at the time of writing, the fee to send 1,000 USD to be received in GCash in PHP is a total of 0.71%, just over 7 dollars*.

If your payment is processed as an international remittance, GCash does not usually receive fees. If the payment is processed as another type of transfer by GCash, a small fee might apply.

If you hold a Wise balance, you don’t need to send it to GCash to be able to make use of your money. You can also spend your Wise balance with the Wise debit card for daily use or travel abroad. Spend in 150+ countries, with the mid-market rate and low fees whenever you need to convert currencies.

What are the limits of  sending money to GCash from Wise? 

Generally, Wise has limits which vary based on the currency you’re sending and how it is received. If you're sending to Gcash from Wise, the limit per transfer is 49,999 PHP.

GCash does also have limits on the amount you can hold in your account. As a fully verified user you can hold up to 100,000 PHP in your GCash account. There are also options to increase this to 500,000 PHP by following a few additional steps.

Troubleshooting & Tips

Let’s finish up with some helpful tips to make sure your Wise to GCash transfer goes well:

• Before you initiate the transfer from Wise, make sure your recipient’s GCash account is fully verified

• Check the name your recipient has on their GCash account, and be sure to enter it exactly when prompted for the recipient name on Wise

• Make sure your recipient is able to receive your payment based on their existing wallet balance - your transfer may be rejected if it takes them over their holding limit of 100,000 PHP

• Track the transfer in the Wise app to see where it’s got to, and open an in app chat to get help if you ever need it

Wise to GCash transfer: Conclusion

You can make a Wise to GCash transfer in the Wise app if you have a Wise balance and want to move it to GCash for easy spending. If your balance is in a currency other than PHP, Wise will convert it to PHP for you using the mid-market exchange rate and low, transparent fees which you can see and compare before you initiate the payment. If you already have a balance in PHP there’s a small Wise fee of 35 PHP to move your money to GCash.

If you don’t want to send your Wise balance to GCash you can also use your Wise card to spend your money conveniently in the Philippines and wherever else your travels take you.