Simple Steps: How to Transfer Money from Western Union to GCash

Learn how you can easily transfer money from Western Union to GCash with just a few simple steps. Western Union provides a convenient way to send and receive money globally, and now you can seamlessly transfer funds directly to your GCash account.

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Eligibility for Western Union to GCash Payments:

Before you initiate a transfer from Western Union to GCash, it’s important to ensure that you meet the eligibility criteria. Here are a few key points to consider:

  • The sender must use the same full name and phone number associated with your GCash account.
  • You’ll need the MTCU reference number provided by the sender to claim your payment.
  • Ensure that you use the reference number to claim your payment within 90 days to avoid expiration.
  • Be mindful of your GCash wallet limits based on your account verification status and the GCash products you hold.

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How to Transfer Money from Western Union to GCash:

Follow these simple steps to transfer money from Western Union to GCash seamlessly:

  1. Log into your GCash account and tap on “Cash In.”
  2. Select “Global Partners and Remittance” from the options provided.
  3. Navigate to “Online Remittance Claim” and choose Western Union as the remittance partner.
  4. Enter the amount you expect to receive and provide the MTCU reference number.
  5. Tap “Next” to complete the process, and your funds will be instantly credited to your GCash account.

Western Union to GCash Transfer Fees:

Unlike specific fees for recipients, there are no direct transfer fees from Western Union to GCash. However, senders may incur upfront fees and markups, affecting the exchange rate used to convert their home currency to PHP for deposit. Keep in mind that sender fees vary based on the sending country, payment method, and currency, which can impact the final amount received in your GCash wallet.

Understanding Western Union Exchange Rates:

Western Union applies a markup to the mid-market exchange rate when converting the sender’s currency to pesos for deposit into GCash. This additional fee can fluctuate depending on the currency involved and the sender’s payment preferences. It’s essential to be aware of potential markups and exchange rate fluctuations to maximize the value of your transferred funds.


Transferring money from Western Union to GCash is a convenient and straightforward process, allowing you to access your funds quickly and securely. By following the steps outlined in this guide and understanding the associated fees and exchange rates, you can make the most of your financial transactions with ease.

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