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 through 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 loads, shop online, book cinema tickets, and more.
You can perform all of these transactions with a "mobile wallet" at any time and from any place 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 carry out 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
Can You Send Money In GCash Without Verification?
No, you can't send money in GCash without verification. However, you can still carry out some basic transactions.
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 a QR code.
Can I Receive Money On Gcash Without Verification?
Yes, you can receive money on GCash with a basic account, but that goes with a limit.
Basic (unverified) GCash users can receive only up to ₱10,000 in their GCash wallet.
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 the money you sent to them by registering with GCash or visiting a retailer or outlet.
Here are the steps to send money to a non-GCash user.
- Log in to your GCash App, and tap Send Money on your dashboard.
- Tap on GCash Padala.
- Fill up the recipient's details, and tap Next.
Ensure that your recipient's details are complete, accurate, and correct. - 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. - 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.
How To Send Money From Unverified GCash To Verified GCash
Verification is an important necessity to take in order to protect yourself and those you're transacting with.
You need to get verified as a regulatory requirement, for your protection, and to enjoy more GCash features and services.
Unverified GCash users will find it difficult to send money to other users, even if their recipients are verified GCash users.
In some cases, some unverified GCash users are able to send only ₱10,000 monthly to other GCash users.
If you're one of the lucky unverified users allowed to send money to other users, you can use the simple steps below to send money to verified GCash users.
- Log in to your GCash App and tap Send Money on your dashboard.
- Tap on GCash Padala.
- Provide the recipient's details and tap Next. Ensure that your recipient's details are complete, accurate, and correct.
- Review the details before confirming.
- Confirm by tapping Pay.
Verifying your GCash account comes with lots of benefits.
You will benefit from higher wallet and transaction limits after you are verified. If you verify your account, your wallet limit will therefore be raised to ₱100,000.
Your daily outgoing transaction limit, as well as your monthly incoming transaction limit, will also increase to ₱100,000. You won't have any yearly or monthly outgoing transaction limits once you've been verified.
What is GCash?
GCash is a mobile wallet, mobile payment, 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 of 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 a 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), the Securities and Exchange Commission (SEC), or the Insurance Commission
- Certification from the National Council for the Welfare of Disabled Persons (NCWDP)
Frequently Asked Questions
Can I send money from GCash to GCash not verified?
Yes, you can. The steps are the same as sending money to another GCash user. The amount you send to a non-GCash user will still push through, and they will receive a notification via SMS.
Can I transfer to non-verified GCash?
Yes, GCash Padala allows you to transfer money to friends and family who don't have a GCash account.
What happens if your GCash is not verified?
You may need to submit additional documents aside from the initial documents you submitted. You may re-apply for verification after you have received a notification regarding the failure to successfully verify your account.
Is student ID valid for GCash?
Since the student ID is not in the recommended list of valid IDs for GCash verification, you can't use it for the verification process on the GCash app. What you can do instead is to submit a ticket to GCash support who will manually process your account verification and upgrade.
Can I use barangay ID for GCash verification?
Yes, as shown above, you can use your barangay clearance to verify your GCash.
How do I semi-verify my GCash account?
You can get partially verified by clicking the option within the GCash App when you trigger the verification process. All you need is a selfie and some personal information and you're good to go.
Can I cash out GCash in Palawan even not verified?
If GCash Padala is not available in your area or if your recipient prefers to use Palawan Express Pera Padala, then you can send money to them but your recipient will need to have a fully verified GCash account. Basic or non-verified users cannot cash out or withdraw their GCash funds.
Can you use a birth certificate to verify GCash?
Yes, but you'll need additional information such as; name and GCash Number of your parent. Selfie of your parent holding your Student ID..
How long does it take to get verified in GCash?
It typically takes 30 minutes to get verified on GCash.
Can I use GCash in Shopee even not verified?
No, you can't. Shopee required you to verify your account before being able to transfer money from GCash to Shopee.
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 loads, 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.
References:
https://en.wikipedia.org/wiki/GCash
https://help.gcash.com/hc/en-us/articles/360017566514-Can-I-send-money-to-a-non-GCash-user-
https://techpilipinas.com/gcash-guide/