When do the new ₱10 fees take effect?

GCash's ₱10 InstaPay fee applies from July 4, 2026. Maya's ₱10 fee takes effect on July 6, 2026, and will be reflected in the Maya app.

Is there a limit on how much I can transfer?

Both wallets cap InstaPay transfers at ₱50,000 per transaction.

Are transfers within GCash or Maya still free?

Maya-to-Maya transfers remain free. GCash-to-GCash sends are free for the first 500 sends and 500 receives each month, after which a ₱5 charge applies to select power users. PESONet transfers on Maya also stay free.

Why are banks and wallets changing their fees?

The changes follow the BSP's Circular No. 1238, which pushes financial institutions toward reasonable and fair pricing for electronic fund transfers. Several banks have gone further and waived interbank fees entirely.

GCash and Maya Set ₱10 InstaPay Transfer Fee Even as BPI and RCBC Scrap Theirs

GCash and Maya are moving to a ₱10 InstaPay fee for transfers to other banks, effective July 4 and July 6, even as BPI and RCBC scrap their own charges.

Clurky•Jul 4, 2026•5 min read•5 views

Graphic representing GCash and Maya InstaPay transfer fee changes — Illustration accompanying coverage of GCash and Maya moving to a ₱10 InstaPay transfer fee. Image: ManilaShaker

Philippines GCash Fintech Maya

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Clurky

@clurky

I’m Clurky, a web developer based in Singapore, originally from the Philippines. I track the latest industry shifts, software releases, and hardware trends, cutting through the marketing noise to analyze how these advancements truly impact the user. Drawing on my background in professional web development, I provide a technical, perspective-driven look at the news and emerging technology that shapes our digital world.

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