Transfer Fees

InstaPay is instant (settles in seconds) and charges ₱15–₱25, but caps at ₱50,000 per transaction and per day. PESONet settles in batches (cleared same-day, credited within 24 hours) and charges ₱25–₱30, with a ₱5M+ limit. Rule of thumb: send under ₱50K and need it now → InstaPay; sending ₱50K+ or paying suppliers/payroll that can wait until end-of-day → PESONet. PESONet is also better for large recurring transfers because the fee is flat regardless of amount.

Paying tuition (₱60K+), down payments (₱100K+), monthly rent (often ₱30K–₱80K in Metro Manila), or sending payroll to a single recipient — these blow past the ₱50K InstaPay ceiling. You'll either need to split into two same-day transfers (sometimes blocked by daily caps too), or switch to PESONet which clears the same day. Most banks also enforce a daily aggregate InstaPay cap (typically ₱50K–₱100K) regardless of how many transfers you split it into.

Cross-wallet costs ₱15 flat from the sending side, routed via InstaPay. There's no free path between GCash and Maya — they're separate wallets. If you're trying to dodge the fee: send to a bank account both apps can access (UnionBank, BPI, or any InstaPay-enabled bank), then withdraw from the other wallet. But that's two ₱15 transfers (~₱30), worse than the direct route. The direct ₱15 cross-wallet is the cheapest.

7-Eleven CLiQQ is free (up to ₱16,000 per cash-in). M.Lhuillier / Cebuana / SM Bills charges ₱20 flat. Bank transfers via InstaPay from your own bank to GCash are also free if your bank doesn't charge for outbound InstaPay (BPI, UnionBank, RCBC don't; some smaller banks charge ₱15). Best for big amounts: link your bank account once and pull funds in free via InstaPay or PESONet inside the GCash app.

PESONet is a batch settlement system. Transfers sent before the day's cut-off (typically 3:00 PM, varies by bank) clear during that day's overnight cycle and post to the recipient's account by next business morning. Transfers sent after cut-off, on weekends, or on holidays clear on the next business day. InstaPay is real-time (operates 24/7) but only for amounts under ₱50K. For payroll: send via PESONet on Thursday before 3 PM so employees see it Friday morning.

Mostly yes for the big banks — BPI, BDO, UnionBank, Metrobank, RCBC, Security Bank charge ₱25 InstaPay / ₱30 PESONet as standard. A few outliers: Maya's own bank-out via InstaPay is sometimes promo'd to free; ING and CIMB are free for outbound transfers from your own account; some rural and digital banks charge ₱15. Always check your bank's current fee schedule — the BSP-mandated ceiling caps these but doesn't fix them.

GCash → BancNet ATM withdrawal: ₱20 flat per transaction, capped ₱20,000 per pull, ₱50,000 daily. Maya physical card withdrawal at BancNet ATMs: currently free at most networks (this is a Maya-specific promo, may not last). For frequent cash-out, the Maya card saves ₱20 per pull. For occasional withdrawals, the convenience of GCash's pin-based ATM access (no physical card needed) is worth the ₱20.

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