From its beginnings as a simple money transfer service, GCash has come a long way to becoming a finance super app in the Philippines. In fact, it helped usher in a revolution in personal finance that redefined how Filipinos managed their money. To this day, GCash remains a reliable app that Filipinos use for every financial need—from sending and receiving money to going cashless and paying bills online.
But GCash is not only for those who want to manage their money with ease—it's also for those who wish to earn a little extra on the side. Over the years, it has rolled out features that allow its users to make money while using the app.
Learn how to earn money on GCash below.
What Are the Requirements to Start Earning on GCash?
To start earning on GCash, you need access to its different features. And the only way to use its full suite of features is to upgrade your account and get fully verified.[1]
Whatever your age or nationality, you can create a GCash account and get verified for free. Just prepare the following requirements and initiate the application process on the GCash mobile app:
- GCash-registered mobile number
- Valid government-issued ID
- Selfie
- Personal information (i.e., full name, address, birth date, nationality)
Note that additional requirements may be asked of minors and foreign nationals.
With a fully verified account, you get to legitimize your account, increase your wallet and transaction limits, and access all available GCash features and services.
While a basic GCash account only lets you cash in, buy load, pay bills, and use the scan QR code feature, a fully verified account gives you access to the following services—many of which allow you to make money using GCash:
- GSave
- GInsure
- GLoan
- GGives
- GCredit
- GCash Padala
- GFunds
- GCrypto
- GStocks PH
- GCash Card
Already have a fully verified account? It’s time to make money off of it!
How to Earn Money on GCash in the Philippines
There are plenty of apps you can use to earn money. While many are legit, there are some scammy ones too. It’s only right to be a bit skeptical of any informal or non-traditional means of earning an income.
As GCash is an inclusive app with a wide and diverse user base, it inevitably attracts online fraudsters and cybercriminals—but it is actively trying to combat that, so there’s no need to worry.[2] Don’t let yourself be fazed. If you know how to detect scams and what to do with them, you’re all good
In the meantime, check out the many legit ways GCash can help you earn some much-needed cash:
▶️ Invite People to Join GCash
How to earn money on the GCash app easily? The classic way to earn money through GCash is to invite people to join the app.
To share your referral link, open your GCash app, go to Profile, and select Refer a Friend. You have the option to share your referral code via Messenger, SMS, and QR, among others.
When your referee signs up, gets fully verified, and cashes in within 30 days, you’ll receive your referral fee of ₱50 within five days. You can refer up to 25 users per month, capping your monthly earning potential at over ₱1,000.
Note that the terms and conditions of this referral program may change, so the number of referrals you can do per month as well as the referral rewards you can receive may also vary.
▶️ Earn Interest Through Savings
An easy way to earn money on GCash is to use GSave, which is GCash’s own digital savings feature. With GCash’s partner banks' competitive rates, you can leave your savings securely in your account and wait for it to accrue interest over time.
GSave is legit—it’s regulated by the Bangko Sentral ng Pilipinas (BSP). GCash’s partner banks are also members of the Philippine Deposit Insurance Corporation (PDIC), insuring each depositor up to ₱500,000.
GCash has partnered with four banks to give you a variety of safe and competitive options. Compare these banks’ main features below:
Eligibility requirements for each of GCash’s partner banks vary. These are the base criteria:
- Filipino citizen
- At least 18 years old
- Fully verified GCash user
- With at least one valid government-issued ID
Some of these banks may require you to submit your specimen signatures; others may ask you to verify your identity face to face. But, for the most part, you can easily create a GSave account.
▶️ Invest in Professionally Managed Funds
Learn how to earn money on GCash through GFunds, its own investment marketplace. For as low as ₱50, start buying, selling, and managing investment products from trusted investment companies.
When registering for a GFunds account, you’ll be asked to accomplish a risk profile questionnaire to identify what type of investor you are. Your risk profile will help you determine the proper investment asset that will satisfy your requirements and expectations.[3]
Below is a comparison of the different professionally managed funds available on GFunds:
To maximize your investment performance, diversify your portfolio instead of putting all your eggs in one basket. This will give you the flexibility to manage potential risks, explore different asset types, and ultimately increase your chance of yielding higher returns in the long run.[4]
▶️ Buy and Sell Local Stocks
Investing in the stock market is a form of passive income that lets you build wealth and grow your money exponentially. Invest in a public company by buying stocks, and as that company generates profits, you get a share of the goods through dividends.
GCash lets you create this income stream through its GStocks PH feature. There are over 280 local companies available on the app. You can become a shareholder in any of them without a bank account and with as little as ₱1,000 in your trade wallet.
To start investing, go to the GStocks PH icon on the GCash app. Follow the prompts to top up your trade wallet and start buying shares from your preferred companies through GStocks’ broker partner, AB Capital Securities.
Remember, the stock market can be volatile, so invest only what you’re willing to lose!
▶️ Join Game Tournaments
Did you know that there are play-to-earn games on GCash where users can enjoy mobile gaming while earning rewards?[5] There are plenty of games to choose from, so you'll definitely find something to enjoy.
Join hyper-casual GCash games that reward the top performers. Take part in tournaments to get a chance to win prizes and cash incentives.
Note that mechanics vary per game. You may also have to pay or buy tokens to start playing.
Just open GCash, click Games under Enjoy, and pick a game!
▶️ Make Job Referrals
You’ve probably realized by now just how many opportunities there are to earn money on GCash. The issue is that some of them require you to shell out money first. If you want to know how to earn money on GCash for free, here’s a tip: go to the GJobs feature and start referring people to the jobs available on the app.
You get six referral credits per job opening, and each job posting has a corresponding referral fee that you can earn. Fees vary depending on the employer and the nature of the job. All you have to do is provide the full name and contact details of the person you’re trying to refer.
If you refer a friend, that friend can also refer someone else using your referral link. Referrals can be made up to the third degree—in which case, the referral fee will be divided among the three people involved. Check out the table below to see how referral fee cuts are allocated.[6]
▶️ Collect Vouchers
You can use GCash to save money. GCash has partnered with Alipay+ to offer a myriad of voucher options to choose from.[8] There are deals and discounts offered by different merchants, including Foodpanda, Viu, and Spotify. among others.
To check out all available vouchers, open the GCash app and go to A+ Rewards. Check in daily to earn rewards and collect badges. Use GCash and Alipay+ when you shop online to receive digital vouchers and boost your savings.
▶️ Sell Prepaid Load
If everyone in your circle already has a GCash account, earning through referral codes is essentially now useless to you—in which case, you can explore how to earn money on GCash without inviting people.
One such way is to sell prepaid load to your family, friends, and neighbors. You can even incorporate this into your business if you have a sari-sari or convenience store. Add a transaction or convenience fee on top of the load amount, so you can get a reasonable profit from this venture.
GCash has partnered with different providers to offer an assortment of load types (i.e., network, internet, streaming and cable, gaming, social networking, and prepaid isurance), so it doesn’t matter what kind of load you or customers need—you’ll most likely find it on GCash. Simply tap Load on the GCash app to get started.
▶️ Get Tickets for the Lucky Load Weekly Draw
Did you know that you can earn money on GCash not just from selling load but also from buying load? Lucky Load is a simple game-slash-raffle-draw. Earn an entry every time you purchase a load product worth at least ₱50.
Use your raffle entry to play the game—which essentially involves choosing a combination of six icons. There’s no limit to how many entries you can submit, so if you have a loading business, you have more chances of winning the weekly draw.
There’s a fixed amount you can win every week, which can stack up infinitely if no winners are announced in consecutive weeks.[9] It’s a savvy way to earn money on GCash!
▶️ Offer Financial Services
How to earn money online via GCash? Offer financial services like bills payment and remittance transfers for a price, much like you would when selling on Facebook Marketplace or creating content on YouTube for brands in exchange for money.
This essentially makes you a cash outlet operator—or, more specifically, a GCash Pera Outlet Partner. This is ideal especially if you have an existing government-registered business like a sari-sari or convenience store, which can facilitate these additional financial services.
To qualify as a partner, you need to provide proper documents like a barangay business permit, mayor’s permit, and DTI registration. Upon successfully signing up, you can start offering cash-in and cash-out services, bills payment, and money transfer services, which can let you earn as much as ₱10,000 per month.[9]
▶️ Trade Cryptocurrencies
The GCrypto feature not only lets you buy and sell cryptocurrencies in real time but also gives you access to a curated collection of non-fungible tokens (NFT).
GCrypto is a safe and secure platform, as it is powered by the Philippine Digital Asset Exchange (PDAX), a local cryptocurrency exchange licensed and regulated by the BSP.
To start trading on GCrypto, fill out the registration form via the GCash app. You’ll be asked to provide important information like your user profile, investment experience, and financial goals. As soon as you complete this, you’re free to start your crypto journey.
Be a responsible trader and do your due diligence to minimize risks and maximize the performance of your crypto investment.
How Much Can You Earn on GCash?
Now that you know the different earning opportunities available on GCash, you can gauge how much money you can make by using this super app.
There’s no set amount that you can take home at any given time. Everyone’s earning potential is different—yours depends on how you use your resources and which GCash features or services you capitalize on.
For example, earning interest from a savings account varies greatly from earning dividends through an investment portfolio. Likewise, relying on personal referral fees is a different experience and yields different returns from collecting job referral fees.
Even when you’re playing GCash games, your earning potential will depend sometimes on your skills; other times, on your luck. Don’t set a limit on how little or how much you can earn—just take every opportunity offered by GCash to make a little extra cash.
Tips on How to Earn Money on GCash in the Philippines
Here are some tips to help you master how to earn money on GCash.
- Stay up-to-date on all GCash news - Always check the GCash app and follow GCash across all social media platforms to be the first to know when a new feature or update comes out. There are currently two features in development that you should watch out for—i.e., Gigs and Quick Rewards—both of which you can find when you tap on the Earn Money feature on the mobile app.
- Exhaust all possible income streams - Don’t limit yourself to just one option among many. You have a plethora of earning opportunities to choose from—explore as many as you can to improve your chances of making money and increase your earning potential.
- Do your own due diligence – Regardless of what GCash feature you use to earn money, don’t forget to take the time to learn more about it before you make any commitments. For example, if you decide to use GStocks for investment, make sure to review all potential companies’ sales and profitability performance. Also, look into different strategies, like diversifying your portfolio and reinvesting your dividends, among others.
Final Thoughts
Now that you know how to earn money on GCash, you can explore the different options and maximize the earning potential afforded by this super app!
While GCash’s monetization options can’t necessarily make you rich, some of them do offer decent returns worth looking into. If you’re up to earning some extra cash, definitely check out these options and see which ones work for you.
💸 Compare and Find the Right Loan via Moneymax
Earned a little extra money on GCash, but need more funds? Explore these personal loan options in the Philippines:
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Sources:
- [1] Get a Fully Verified GCash Account (GCash Help Center, 2024)
- [2] SEC and GCash Sign Agreement to Combat Scams and Fraud (Inquirer, 2023)
- [3] Risk Profile: Definition, Importance for Individuals & Companies (Investopedia, 2024)
- [4] What Is Diversification? Definition as Investing Strategy (Investopedia, 2023)
- [5] GGuide: How to PLAY and EARN with GCash (GCash, 2022)
- [6] Make a Job Referral on Jobs (GCash Help Center, 2023)
- [7] Use A+ Rewards vouchers (GCash Help Center, 2023)
- [8] Lucky Load Winner Announcement (GCash Official Facebook Account, 2023)
- [9] Mag-Apply Bilang Isang GCash Pera Outlet Partner (GCash Help Center, 2023)
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