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  • Fintech giant turns 20

    Fintech giant turns 20

    What started as a simple SMS money transfer has exploded into the financial super app that Filipinos can’t live without! For 20 years, GCash has been rolling out feature after feature, making life easier, faster, and more inclusive for everyone.

    From sending money in seconds to paying bills, shopping, and even investing, GCash has completely transformed how we handle money. And guess what?

    These 20 game-changing features are just a taste of what GCash has to offer! There’s a whole world of services in the app waiting to be explored. Ready to dive into some of the crowd favorites? Let’s begin!

    1. SMS Money Transfer
      This is where it all began! Picture this: it’s 2004, flip phones are the hottest gadgets, and texting is the way to stay connected. Then GCash swoops in and changes the game, letting people send and receive money with a simple SMS/text! GCash made moving money as easy as texting a friend, opening the door to financial freedom for millions. Who knew sending cash could be as easy as sending “LOL”?
    1. Buy Load
      By 2012, smartphones were everywhere, and GCash was right there, keeping up with the times. Enter Buy Load. Now you can reload your prepaid credits anytime, anywhere, straight from your phone! No more rushing to the sari-sari store for load. Today, more than prepaid load, you can also top up mobile data, promos, and other prepaid services like Cignal TV, Konsulta MD, and more. Life just got a whole lot more convenient!
    1. Pay Bills
      Long lines at payment centers? Not here! In 2012, GCash’s Pay Bills feature turned your phone into a personal cashier, letting you pay for everything from electric bills to tuition without leaving home. Missed deadlines? Never again! Just a few taps, and you’re all set. With over 1,900+ billers all in the app to date, how is that for leveling up your money game?
    1. Scan-to-Pay QR
      Remember when cashless payments felt like something out of the future? GCash brought it to life in 2017 with Scan-to-Pay QR, the first of its kind in the Philippines. It made its debut when Globe Telecom’s President and CEO, Ernest Cu, used it for the first-ever payment at Mini Stop (now Uncle John’s). No more scrambling for change, just scan, pay, and go. GCash was at the forefront of the cashless revolution, making shopping faster, easier, and way more fun.
    1. eKYC (Electronic Know-Your-Customer)

    Remember when verifying your identity (KYC) meant standing in line at a store? Well, not anymore! Launched in 2018, GCash’s eKYC feature made getting verified quick, safe, and fully digital. What once required a face-to-face meeting with your ID is now as easy as opening the GCash app, scanning your ID, snapping a selfie, and hitting submit. GCash handles the rest, and boom! You’re verified in no time!

    1. GCredit
      By 2018, GCash wasn’t just about sending money anymore, it was about borrowing it, too! With GCredit, in partnership with CIMB, you could get instant cash when you needed it, with no bank hoops to jump through. Whether it was for an emergency or to pay bills, GCredit had your back!
    1. GScore
      Also, in 2018, GCash launched GScore, and suddenly, your financial world was all about leveling up! The higher your GScore, the more perks you could unlock in your GCash app, like access to more lending products. It’s like your personal power up in the GCash universe, opening doors for more financial freedom! Today, there are 5.4 million unique borrowers, with 1 in 3 borrowers being small business owners and 2 in 3 borrowers being women.
    1. GSave

    In 2018, GSave made saving money a breeze. No paperwork, no bank lines, and with just a few taps, you were saving like a pro. Finally, everyday Filipinos had easy access to banking and financial security at their fingertips. Today, GSave has evolved into a savings marketplace where you can open accounts with BPI, Unobank, CIMB, and Maybank, all within the app. Oh, and did we mention? There are now 10.9 million registered GSave users earning up to 15% interest on savings!

    1. GForest
      What if you could help save the planet while using GCash? In 2019, GForest made that possible! Every transaction earned you points to plant virtual trees that were later turned into real ones.  So far, GCash, through its credible local and international partners, has planted 2.8 million trees, covering an area twice the size of Quezon City! With 17 million Green Heroes and 138,000 tonnes of carbon dioxide reduced, GCash is helping the planet while helping you manage your money.
    1. GInsure
      When the world turned upside down in 2020, GInsure was born to give users access to affordable health and life insurance. With just a few taps, getting insured wasn’t intimidating anymore. It was quick, easy, and right in your pocket. Today, GInsure is your one-stop shop for all insurance needs. From life and health to cars, travel, accidents, and even pets—yes, really, among others! And with premiums starting at just PHP 10 a month, it’s one of the most affordable options out there.   With over 28.3 million GInsure policies sold and 7.8 million registered users, GCash is making protection accessible for all.
    1. GLife

    Since its launch in 2020, GLife has grown into more than a lifestyle mini-program, it is now a full-blown super app within GCash! What started with shopping and food delivery has expanded into a one-stop shop for everything from travel bookings and entertainment to essential services like bill payment, health, and even insurance. With GLife, you can access a world of services without leaving the GCash app. It’s bigger, better, and more convenient than ever!

    1. GGives & GLoan
      In 2021, GCash took borrowing to the next level with GGives and GLoan. Need that new gadget but don’t want to pay for it all at once? GGives lets you split your payments into easy installments, with select merchants even offering 0% interest! And if you need quick cash, GLoan has you covered with loans up to PHP 125,000. Just a few taps, and boom! Borrowing made simple, straight to your GCash ewallet!
    1. GInvest Funds

    Ever wanted to invest in the world’s biggest companies but thought it was out of your reach? Not with GInvest! Launched in 2021, GInvest, now called GFunds, allows you to participate in the growth of both local and global companies for as low as PHP 50. Whether you’re eyeing top local corporations or global giants, GInvest makes it easy to start investing with just a few taps. Now anyone can build their investment portfolio without leaving the GCash app!

    1. GJobs

    What started as a simple job search feature in 2021 has evolved into a comprehensive platform connecting users with employment opportunities. Now, GJobs, powered by PasaJob, helps job seekers by searching for jobs within the GCash app, offering tailored job listings and resources that streamline the hiring process. Now you can even refer friends and family to jobs and earn a referral fee once successfully placed. This feature facilitates employment and supports the growing gig economy, helping Filipinos find work that fits their skills and lifestyle.

    1. Global Pay
      GCash did not stop at local payments. In 2022, Global Pay took things international! With GCash and Alipay+, cross-border payments became a breeze. Whether you’re shopping online or traveling abroad, GCash turned your phone into a global wallet, accepted worldwide! Keeping things easy no matter where you are.
    1. Send Money Protect (Scam Insurance)
      With digital threats on the rise, GCash teamed up with Chubb to launch Send Money Protect in 2023. This cyber insurance adds an extra layer of security to every GCash Express Send transfer of up to PHP 15,000 for 30 days, shielding you from scams like social engineering, account takeovers, or online shopping fraud. Now, you can send money with total peace of mind!
    1. GStocks PH
      Ever thought investing was too complicated? Not with GStocks PH, it isn’t! Launched in 2023 in partnership with AB Capital, GCash brought the stock market to your smartphone. Now, anyone can invest in Philippine stocks straight from the app, no brokers required.. With 692,000 users and a minimum investment as low as PHP 1,000, it’s investing, simplified, and accessible to all.
    1. GCrypto
      Also, in 2023, GCash dove into the world of cryptocurrency. Buying, selling, and trading crypto became as easy as managing your e-wallet with GCrypto, in partnership with PDAX (Philippine Digital Asset Exchange). The world of digital currencies was now open to everyone, and GCash made it happen, all from your phone.
    1. GCash Visa Card
      GCash didn’t just stop at e-wallets. In 2023, the GCash Visa Card bridged the gap between digital payments and the real world. Whether shopping online or in physical stores, you can tap into your GCash balance wherever Visa is accepted. No hidden charges, the best forex rates, and accepted in over 200 countries and territories, this card has you covered wherever you go!
    1. GCash Overseas
      For Filipinos abroad, GCash Overseas was a total game-changer in 2023. Now, Overseas Filipino Workers (OFWs) and migrants can use GCash even with a non-Philippine SIM. From sending money to paying bills in real-time, GCash keeps you connected to your financial responsibilities back home. Want more control over your money? You can send funds to your family instantly, without service fees, or pay for bills in the Philippines, all from wherever you are in the world.

    For 20 years, GCash has been pushing boundaries, but one thing has stayed the same: its mission is to make financial services accessible to every Filipino. From a humble SMS transfer service? to a super app that revolutionized money management, GCash has transformed the way we handle finances—and it’s only the beginning.

    These 20 features are just the tip of the iceberg. GCash has even more to offer, with tons of tools and services making life easier every day. As we celebrate two decades with GCash, we can’t wait to see how it will continue shaping the future of finance for the next 20 years and beyond!

  • Take advantage of GCash lending products this back-to-school season

    Take advantage of GCash lending products this back-to-school season

    Balik-Eskwela na naman! The thrill of picking out fresh notebooks, colorful pens, and cool backpacks can make the start of the school year feel like an adventure, but parents know what’s coming: the long shopping list, a pile of bills and the fear of being bitin with back-to-school preparations.

    But who’s to say that starting the school year has to drain your savings? With a touch of creativity and a bit of diskarte, you can kick off the academic year on a high note by making the most of what you have and managing your resources wisely.

    Repurpose and Reimagine

    To avoid the pitfalls of overbuying, before going on a shopping frenzy, unleash your creativity and go through what you already own. Revisit your shopping list and hold off on purchasing anything that’s not needed right now, doesn’t have to be new, or won’t have a big impact on your child’s education. Back-to-school shopping doesn’t have to be done all in one go! 


    Create and Collaborate
    Back-to-school preparations don’t have to be a solo mission – get crafty and involve your kids. When buying bags and clothes, pick out options that fall within your price range for your kids to choose from. This way, you stay within budget and still empower your kids to make decisions they’re excited about.

    Research, Research, and Research
    Knowledge is power, especially during the back-to-school mayhem. Before buying a new gadget, read up beforehand to find one with the right specs that fit your kids’ needs and your budget. Most of the time, the latest devices are souped up with features your child will never use. Take time to look for available discounts and installment plans to help manage costs.

    Navigate School Expenses with GCash

    While making the most of what you have can go a long way, the reality is that there will be times when you will still come up short, especially with higher prices and bigger expenses. In these instances, having a reliable and flexible financial partner that understands your struggles and offers a suite of solutions is crucial. And the best part? It’s already at your fingertips.

    Amid simultaneous and urgent school expenses, finance superapp GCash offers lending solutions to help with education costs.

    “Resourcefulness has always been in the blood of Filipino parents and breadwinners. We see you work tirelessly just to give your kids the best school year possible,” said XP Villa, Product Head of GGives. “At GCash, we want to honor that dedication by offering a helping hand when you need it most, so you can spend the back-to-school season making great memories with your kids.” 

    With GCash’s GLoan, eligible borrowers can access loans ranging from PHP 1,000 to PHP 125,000. For select GLoan customers, this can be received straight to their GCash wallet within 24 hours of submission for pre-approved loans.

    This can be used for expenses such as tuition fees before the school term begins and can be paid with flexible payment terms of 5 to 24 months. Additionally, eligible borrowers can apply for multiple loans.

    Meanwhile, GGives provides a solution for big-ticket purchases with light and flexible installments that allow partial payments of up to 24 months, all with zero down payments.

    GGives is accepted at over 110,000 GGives-enabled merchants nationwide, making it possible to purchase gadgets such as laptops and tablets and even other big-ticket items such as study tables and pay for them in installments without paying any downpayment or fees from their GCash wallet. GGives can also be used to pay for tuition fees of select universities using the Pay Bills feature on GCash. 

    GCredit, powered by CIMB, offers a credit line of up to Php 50,000 for eligible users, which can be used to pay for school supplies, groceries and other back-to-school essentials at over 100,000 GCredit-enabled stores and billers nationwide. With a prorated interest rate of as low as 0.17% daily, GCredit users get charged low interest if they pay earlier. Additionally, GCredit allows users to pay as low as 10% of their dues on their billing and/or due date.

    “Every Filipino child deserves a chance to reach their full potential in the classroom. Our lending products are our way of helping empower families during this exciting milestone of back-to-school season,” said Villa. 

    To be eligible for GLoan, GGives, and GCredit, users must have a fully verified GCash profile and must continue using GCash and its services, such as maintaining a high wallet balance, regularly cashing in and paying your dues early or on time.

    Access GLoan, GGives, and GCredit through your GCash dashboard or find it under “Borrow.” No GCash yet? Download the GCash App on the Apple App Store, Google Play Store, or Huawei App Gallery! Kaya mo, i-GCash mo!

  • Major upgrades for GCash: What we can expect

    Major upgrades for GCash: What we can expect

    GCash, the Philippines’ leader in digital financial services, unveiled groundbreaking innovations at this year’s GCash Futurecast, revolutionizing the country’s fintech landscape and elevating consumer experience.

    Martha Sazon, President and CEO of GCash, shared, “Today, you can expect innovations that will “Change the Game”. But, the real game-changer is how we can make a meaningful impact on Filipino lives.”

    She adds, “to innovate not only to provide access, but to be their partner towards better Financial Health and Wellness.”

    GCash FutureCast 2024 started with the introduction of Online PaySafe, an added security feature when you add to cart, for worry-free online transactions. With this feature, customers are directed to the GCash app during their payment process to complete their transaction using multi-factor authentication. This enhances security by reducing open windows and tabs that expose user accounts to possible takeovers, payment scam links, and website spoofing.

    Getting help is now made easier with Gigi. Powered by generative AI, Gigi is now equipped to handle common queries and escalate complex issues seamlessly. Gigi can also conduct security checks, access past conversations, and connect users to live agents when needed.

    To combat online fraudsters, GCash, in partnership with Chubb, introduced Send Money Protect. For as low as PHP 30, users can now opt to insure their transactions of up to PHP 15,000 for 30 days. This covers transactions from potential scammers who pretend to be someone they know or disguise themselves as a legit store.

    GCash also introduced three new app designs for a more intuitive experience. Dashboard 3.0 features a new look with easy navigation that allows customers to access their favorite GCash products at one glance. With its new save, borrow and grow tabs, users can now view their most-used features in the app.

    The new and improved GCat & Friends, your new money smart besties, are ready to help make money management more fun and educational. Joining GCat are her friends Corey G, sniffing out all the hottest deals, and GRaf reminding customers when it’s time to start saving and investing.

    Money Manager is a real time spend tracker that visualizes spending on the app to help customers spend and save wisely.

    GCash revealed new AI-powered innovations, starting with GScore AI, GCash’s customer trust score powered by AI, to help you borrow better.  No need for forms or additional documents, this feature calculates users’ creditworthiness and loan eligibility based on their daily app behavior.

    Hyper-Personalized Ads powered by AI isGCash’s ad-serving platform that learns users’ shopping preferences and matches them with personalized offers from GCash partners and merchants. It handpicks the best deals that the customers will love, much like a personal shopping assistant.

    GCoach AI is your go to guide for all things money. Using generative AI, it educates users on how to effectively spend, save, and grow their money with confidence. It also provides personalized insights and links users to auto-deposit features within the app.

    GImpact is part of GCash’s commitment to promote climate action, where users can create a greener future with every click. This new feature allows users to see how every transaction they have in the app leads to carbon reduction. These reduced emissions are converted into Green Points, which users can use to plant real trees through GForest’s partner NGOs.

    GFarm is a new category for planting fruit-bearing trees. This initiative helps Filipino farmers one tree at a time by supplying them with fruit tree seedlings like coffee, avocado, and jackfruit. All proceeds from these go directly to the farmers, providing them and their communities a more sustainable livelihood.

    To raise a future generation of better spenders and savers, GCash launched GCash jr. with Parental Controls. This allows kids between the ages of 7 to 17 to have their first e-wallet and get their first debit card with GCash jr. Visa Cards. With wallet limits set up by mom and dad, kids can now make supervised purchases and subscriptions and have access and receive their allowance anytime, anywhere.

    Encouraging kids to have better saving habits, GCash also introduces GSave jr. their first savings account! Kids can now learn to manage their savings accounts, set their own money goals, and control how much money they want to save.

    With unique access and a special dashboard that allows parents to see overall spending and set transaction limits for their child’s GCash jr. account, these features empower today’s new generation with safe and supervised spending for better spending and saving habits.

    In 2024, GCash will continue to expand its reach to 16 countries including USA, Canada, Italy, UK, Australia, Japan, Spain, UAE, South Korea, Taiwan, Germany, Hong Kong, Qatar, Singapore, KSA, and Kuwait, making GCash available to 10M overseas Filipinos. International Bank Cash-In, allows users to cash in to GCash over 12,000 US Banks, with Europe to follow soon.

    GTravel book and pay for flights and hotels, all in one app. It streamlines international travel experiences as it helps users bookexperiences, buy e-sims, and even plan visa requirements for their trips.. Coupled with GInsure, travelers can now apply for travel insurance powered by Standard and Malayan with coverage of up to PHP 2.5 million; OONA Insurance allows travelers instant lounge access for flight delays by an hour.

    Soon, travelers to European destinations– Spain, Italy, France, Germany, and more, can also digitize and claim travel tax refunds with GCash.

    The GCash Tourist product allows foreigners visiting the Philippines to pay like locals, giving them 30-day access to GCash features like Scan to Pay and Send Money. 

    Borrow on the Spot gives more people a chance to borrow, making financial support more accessible to everyone. Powered by Fuse, GCash’s lending arm, users can now, with just one tap of a button, instantly request to reassess their creditworthiness and get a higher credit limit via GGives, allowing eligible customers to fund their needs today.

    From loans to payments, GCash launches two innovations to revolutionize the way Filipinos Pay with GCash. For a faster commute, Tap To Pay, powered by NFC (Near Field Communication), makes daily commutes easier for people on the go. Once users log in to their GCash app, all they have to do is simply tap their phone on the fast lane turnstile to make a payment.

    Watch Pay, in partnership with Huawei, is the first payment method via smartwatches in the country! It allows users to wear their GCash wallet on their Huawei smartwatch and make seamless payments with just a scan of their QR on their wrist.

    All these innovations are designed with the financial progress of Filipinos in mind. By offering secure, accessible, and innovative financial solutions, GCash continues to empower every Filipino to manage their finances better and build a brighter future for themselves.

    Experience the future of fintech today and download the GCash app, available on the Huawei App Gallery, Google Play Store, and the App Store.