How To Send Money In GCash Without Verification

This article compiles all you need to know about how to send money in GCash without verification.
send money in gcash without verification

Many GCash users wonder how to send money in GCash without verification. That's what we'll be seeing today. 

Sending and receiving money has become very much easier with the help of the internet.

Many financial institutions offer financial services such as money transfer services via mobile wallets which they launch online and made available in mobile apps.

There are many mobile wallets such as Apple Pay, PayPal, Venmo, Cash App, GCash etc.

GCash is a type of mobile wallet or "e-wallet" that allows you to use your smartphone to pay bills, send and receive money, buy mobile load, shop online, book cinema tickets, and more.

You can perform all of these transactions with a "mobile wallet" at any time and from anyplace without having to withdraw money.

Because they are licensed and controlled by the Bangko Sentral ng Pilipinas (BSP), GCash assures its users that going cashless through their network is safe.

Many users won't like to verify their identity on the platform and want to carryout transactions such as sending and receiving money.

But, can you send money in GCash without verification?

This article covers all you need to know about how to send money in GCash without verification.

Table of Contents

What is GCash?

GCash is a mobile wallet, mobile payments, and branchless banking service in the Philippines.

Mynt (formerly Globe Fintech Innovations) is a joint venture between Ant Group, an affiliate of Alibaba Group and the operator of the world's leading open digital lifestyle platform, Alipay; Ayala Group of Companies, one of the Philippines' largest business conglomerates; and Globe Telecom, one of the Philippines' largest telecommunications companies (GCash is under 917Ventures on Globe's side).

It was launched in 2004.

In the Philippines, it had 20 million active users and over 63,000 partner merchants as of 2019.

These estimates more than doubled in two years, because to the rise of digital payments in the Philippines as a result of the COVID-19 pandemic, with 46 million active users and 2.5 million merchants and sellers as of August 2021, making GCash the country's undisputed mobile wallet behemoth.

GCash Account Verification

The Bangko Sentral ng Pilipinas requires account verification to protect financial institutions and ensure the security of user accounts.

You might be familiar with banks and remittance centers' "Know Your Customer" processes.

GCash is doing the same thing by requesting identification evidence.

This helps to prevent the creation of bogus accounts for money laundering and other illegal activities.

You can still use GCash without an account, but only for offline (over-the-counter) cash-ins, bill payments, load purchases, and QR code payments.

You won't be able to transfer or request money, cash out your GCash balance, make online cash-ins, or do any of the other things listed above.

It's highly advised that you update your account to fully verified status in order to take benefit of all of GCash's services.

Basic (unverified) accounts are similarly limited to a wallet capacity of ₱50,000, however semi-verified and fully verified accounts can have up to ₱100,000.

Unverified accounts have a monthly incoming restriction of ₱50,000 and a daily outbound limit of ₱40,000, but properly verified accounts have monthly and daily incoming limits of ₱100,000.

GCash Verification Levels:

  • Basic level: — This is a new account with a lower wallet and fewer spending limits. The features are limited, and basic users are unable to transfer money or make cash withdrawals.
  • Semi-Verified: — If you don't want to send a copy of your valid ID, you can choose this level. All that is required is a selfie. Your status will only be good for a year.
  • Fully verified: — This level grants you complete access to the GCash app's functionality, including the maximum wallet size and transaction limits.

How to Verify Your GCash Account

Account verification is a quick and easy process that takes only a few minutes.

To get started, tap the hamburger icon in the top left corner of the screen to bring up a slideout menu.

To begin the account verification process, tap "Verify now."

Make sure you have a valid ID on hand.

The following is a list of approved IDs:

  • Universal multi-purpose ID (UMID)
  • Social Security System (SSS) ID
  • Government Service Insurance System (GSIS) eCard
  • Passport
  • Driver’s license
  • National Bureau of Investigation (NBI) clearance
  • Police clearance
  • PhilHealth card
  • Tax identification number (TIN) ID
  • Voter’s ID
  • School ID with photo
  • Home Development Mutual Fund (HDMF) or Pag-IBIG ID
  • Postal ID
  • Senior citizen’s ID
  • Barangay clearance
  • Professional Regulation Commission (PRC) ID
  • Integrated Bar of the Philippines (IBP) ID
  • Government office or government-owned and controlled corporation (GOCC) ID
  • Department of Social Welfare and Development (DSWD) certification
  • Maritime Industry Authority (MARINA) ID
  • Alien Certificate of Registration
  • Overseas Filipino Worker (OFW) ID
  • Overseas Workers Welfare Administration (OWWA) ID
  • Seaman's Book (SIRB)
  • Company IDs issued by private institutions registered with, regulated, or supervised either by Bangko Sentral ng Pilipinas (BSP), Securities and Exchange Commission (SEC), or the Insurance Commission
  • Certification from the National Council for the Welfare of Disabled Persons (NCWDP)

Can You Send Money In GCash Without Verification?

No, you can't send money in GCash without verification. However, you can still carryout some basic transaction.

The unverified GCash account also known as the basic account only lets you do offline (over-the-counter) cash-ins, bill payments, buying load, and paying with QR code.

Can I Receive Money On Gcash Without Verification?

No, basic (unverified) accounts can't receive money on GCash without verification.

Can I Send Money to a Non-GCash User?

Yes, you can send money to friends and relatives who don't have a GCash account using GCash Padala.

They will be able to claim this by registering with GCash or visiting a retailer or outlet.

Here are the steps to send money to a non-GCash user.

  1. Log in to your GCash App, and tap Send Money on your dashboard.
  2. Tap on GCash Padala.
  3. Fill up the recipient's details, and tap Next.
    Ensure that your recipient's details are complete, accurate, and correct.
  4. Review the details before confirming.
    Make sure that the receiver's mobile number and personal details are correct and double-check the amount and the fee amount to be deducted. A fee will apply for the GCash Padala service.
  5. Confirm by tapping Pay.
    The in-app receipt will show the Reference Number, fee breakdown, and your recipient's details.

An SMS will be sent to you to confirm your transaction. Your recipient will still need to claim the funds, and they can do so by signing up for GCash or going to an outlet.

Note! If the money is not claimed within 15 days, an SMS will be sent to the Sender's GCash wallet informing them that it has been returned.

Final Thoughts

GCash is a type of mobile wallet or "e-wallet" that allows you to use your smartphone to pay bills, send and receive money, buy mobile load, shop online, book cinema tickets, and more.

GCash users can't send money in GCash without verification. However, they can send money to a non-GCash user.


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Graphic Designer, Web Developer, Ethical Hacker, Programmer, Content Creator is what I am and over all a Biochemist with an aim of bypassing all restrictions that separate me from my objectives.

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