Transfer FEES & LIMITS UNLOCKED! How to Transfer from Maya to GCash (2025)

Last Updated on September 4, 2025

We’ve all been there, ‘di ba? You need to send money to a friend or family member, and you have funds in your Maya wallet, but they only have GCash. Or maybe you want to move your money from one e-wallet to another for a specific payment. It can be a little confusing because you’re not sure about the fees and the limits. Magkano kaya ang babayaran ko? How much can I send? These are the common questions that pop into our minds. I used to feel the same way, but after using these apps for a long time, I can tell you that transferring money between them is now a breeze – and often, it’s completely free!

Transferring money from Maya to GCash is one of the most common inter-e-wallet transactions in the Philippines. It’s a crucial feature for many Filipinos who rely on both platforms for daily financial needs. Fortunately, as of 2025, the process has become incredibly seamless, with fees being either very low or completely waived. This article will be your comprehensive guide on the Maya to GCash transfer fees and limits. I’ll walk you through the simple, step-by-step process so you can send money with confidence, without having to worry about hidden charges or transaction failures.

Key Takeaways:

• It’s Free: Transferring from Maya to GCash is usually free of charge.
• InstaPay is Instant: Transfers are real-time, thanks to the InstaPay network.
• The ₱50,000 Limit: You can send up to ₱50,000 per transaction.
• GCash Monthly Limit: You can receive up to ₱100,000 per month on your GCash wallet.
• You need a fully verified account: Both accounts must be fully verified.

The Truth About Maya to GCash Transfer Fees

This is probably the first question on your mind, and the answer is great news. As of 2025, transferring money from your Maya wallet to GCash is typically FREE. There are no convenience fees charged for this specific transaction, unlike in the past when a small fee (around ₱15) was sometimes applied. However, it’s always smart to double-check. Before you confirm your transfer, the Maya app will show you a final summary that includes any potential fees. Just look at the “Amount to be deducted” to make sure it matches what you expect. In most cases, it will be the exact amount you are sending.

Maya to GCash Transfer Limits Explained

Understanding the limits is just as important as knowing the fees. When you transfer money, there are two limits that come into play: the amount you can send from Maya and the amount you can receive on GCash.

1. The InstaPay Transaction Limit

When you transfer money from Maya to GCash, you are using the InstaPay network. This is the official system for real-time transfers between banks and e-wallets in the Philippines. As mandated by the Bangko Sentral ng Pilipinas (BSP), the limit for a single InstaPay transaction is ₱50,000. This means you can’t send more than ₱50,000 in one go. If you need to send a larger amount, you will have to make multiple transfers.

• Daily Limits: While the per-transaction limit is ₱50,000, your total daily transfer limit on Maya can be higher, depending on your account level. For a standard, fully upgraded Maya account, your daily transfer limit is ₱100,000.

2. The GCash Incoming Limit

Even if you can send a large amount from Maya, your recipient’s GCash account has its own receiving limit. For a fully verified GCash account, the monthly incoming limit is ₱100,000. This limit is the total amount of money they can receive from all sources, including banks, remittances, and other e-wallets, in a given month. If your friend has already received a total of ₱90,000 that month, they can only receive a maximum of ₱10,000 more from you before their account hits the limit.

Step-by-Step Guide: How to Transfer from Maya to GCash

With all the important details out of the way, here’s a quick and simple guide on how to perform the transfer smoothly.

1. Log in to your Maya App: Open the app and sign in with your password or biometrics.
2. Tap on “Bank Transfer”: From the home screen, tap the “Bank Transfer” or “Transfer” icon. This will take you to the interbank transfer page.
3. Select “GCash (G-Xchange, Inc.)”: In the list of banks and wallets, scroll down or use the search bar to find and select “G-Xchange, Inc. (GCash)”.
4. Enter the Details: You will be asked to enter the following information:
   • The recipient’s GCash mobile number (the one they use to log in).
   • The amount you want to send.
   • You may also be asked to enter the recipient’s name for confirmation.
5. Review and Confirm: A final screen will show you a summary of the transaction, including the amount and any fees. Double-check the recipient’s mobile number very carefully! Once you are sure everything is correct, tap “Send” or “Confirm”.

That’s it! The transfer should be instant, and both you and the recipient will receive an in-app notification and an SMS confirming the transaction.

Troubleshooting Common Transfer Issues

What do you do if the transfer doesn’t go through? Here are the most common reasons and how to fix them.

• “Transaction Failed” Message: This is often because you or the recipient has hit a limit.
  • You tried to send more than ₱50,000 in one transaction. Try sending a smaller amount instead.
  • The recipient’s GCash account has already reached its ₱100,000 monthly incoming limit. You’ll need to wait until the next month to send them more.
• Wrong Mobile Number: Transfers are instant and final. If you sent money to the wrong GCash number, immediately take a screenshot of the transaction and contact Maya and GCash customer support. Retrieving the money is not guaranteed, but they will guide you on the next steps.
• Delayed Transfer: Transfers between Maya and GCash are almost always real-time. If there is a delay, it is likely due to network maintenance. Check the social media pages of both Maya and GCash for any advisories.

Frequently Asked Questions (FAQs)

Q: Is it always free to transfer from Maya to GCash?

A: While most transfers are free, this can change. It’s always best to check the final transaction summary in the Maya app to see if a fee will be applied. As of 2025, a fee is rare for this specific type of transfer.

Q: Can I transfer more than ₱50,000 at once?

A: No, the InstaPay network has a transaction limit of ₱50,000. You will need to make multiple transfers to send a larger amount.

Q: Do I need a fully verified GCash and Maya account?

A: Yes, to avoid any transfer limits and to access all features, both your Maya account and the recipient’s GCash account should be fully verified.

Q: How long does a Maya to GCash transfer take?

A: The transfer is instant. The funds are credited to the recipient’s GCash account in real-time. You will receive an SMS and an in-app notification to confirm the transaction.

Conclusion: Seamless and Hassle-Free Transfers

Understanding the Maya to GCash transfer fees and limits is the key to a stress-free digital banking experience. By knowing the standard ₱50,000 transaction limit and the ₱100,000 monthly incoming limit for GCash, you can confidently send money to anyone. The fact that this transfer is usually free makes it an even better option for everyone. With a few taps, you can move your money securely and instantly. No more long lines, no more hassle!

Ready to try it for yourself? Just follow the simple steps above and see how easy it is. For more helpful articles on e-wallets and digital banking, be sure to visit digitalhelpph.com for all your digital finance needs.