GCash is the Philippines’ most widely used mobile wallet, with over 90 million registered users. For Filipinos living in New Zealand, sending money directly to a loved one’s GCash account is one of the fastest, most convenient ways to get money home. No Philippine bank account required. Funds land straight on your recipient’s phone.
OrbitRemit supports direct GCash transfers from New Zealand (NZD) to the Philippines. This guide covers exactly how to send, what it costs, and what limits apply.
What is GCash?
GCash is a mobile wallet and digital payments platform operated by Globe Telecom in the Philippines. Recipients use their GCash wallet to:
- Pay bills and buy mobile load (credit)
- Shop online and in-store at hundreds of thousands of merchants
- Send money to other GCash users
- Withdraw cash at ATMs and GCash agents
For many Filipino families, GCash has replaced the need for a traditional bank account. It is accessible from any Philippine mobile phone and can be set up in minutes using the free GCash app.
Why send to GCash from New Zealand?
Fast: GCash transfers from New Zealand typically arrive within minutes once OrbitRemit receives your payment. No waiting days for a bank transfer to clear.
No Philippine bank account needed: Your recipient only needs a GCash-registered Philippine mobile number. They do not need a bank account to receive or use the funds.
Convenient for your recipient: Funds are instantly available in your recipient’s GCash wallet for payments, transfers and withdrawals.
Multiple other wallets supported: If your recipient uses a different Philippine mobile wallet, OrbitRemit also supports PayMaya, GrabPay and Coins.ph alongside GCash.
Fees and exchange rates
| Delivery method | NZD fee | Fee-free threshold |
|---|---|---|
| GCash and other mobile wallets | NZD $4 per transfer | NZD $10,000 or more: fee-free |
| Bank deposit and cash pickup | NZD $6 per transfer | NZD $10,000 or more: fee-free |
GCash is one of the cheapest ways to send money to the Philippines from New Zealand with OrbitRemit — at NZD $4 per transfer, it is NZD $2 less than bank deposit or cash pickup.
The fee and live NZD to PHP exchange rate are shown upfront before you confirm. There are no hidden charges.
New customers: Your first transfer is free with a promotional exchange rate. The promotional rate applies to the first NZD $500. Terms and conditions apply.
Fees and exchange rates are subject to change. Check orbitremit.com/philippines for current rates before sending.
Transfer limits
| Delivery method | Limit |
|---|---|
| GCash mobile wallet (from NZD) | 10,000 PHP per transfer |
| Bank account (from NZD) | Up to 50,000,000 PHP per day |
If you need to send more than 10,000 PHP to GCash in a single transfer, you will need to split across multiple transactions. Alternatively, consider sending to a Philippine bank account where higher limits apply.
Transfer limits may change and can be subject to account verification and regulatory checks.
How to send money to GCash from New Zealand
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Create your OrbitRemit account
Register at orbitremit.com or download the OrbitRemit app on iOS or Android. New customers will need to complete a one-time biometric identity verification. This is a regulatory requirement and typically takes a few minutes.
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Select the Philippines and enter your amount
Select Philippines (PHP) as the destination and enter how much NZD you want to send. OrbitRemit will show you the live exchange rate, the NZD fee, and exactly how much PHP your recipient will receive, all before you confirm.
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Add your recipient
Select GCash as the delivery method. You will need:
– Your recipient’s full legal name
– Their GCash-registered Philippine mobile numberMake sure the mobile number matches exactly the number registered to their GCash account. An incorrect number will result in the transfer being sent to the wrong wallet.
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Choose your payment method
From New Zealand, you can pay using:
– Bank transfer
– Debit card
– POLi
– Credit cardPay as soon as possible after creating your transfer. OrbitRemit will not release the transfer until payment is received.
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Track your transfer
Once payment is received, track your transfer in real time from your OrbitRemit account. Your recipient will receive a notification from GCash when the funds arrive.
What your recipient needs
Your recipient needs to have a registered GCash account. They can create one by:
- Downloading the free GCash app from the App Store or Google Play
- Registering with a Philippine-issued SIM card
- Completing GCash’s identity verification
If your recipient does not yet have a GCash account, they can also dial *143# on a Globe or TM mobile number to register.
Once set up, they do not need to do anything to receive the transfer. Funds appear directly in their GCash wallet when the transfer is released.
Other Philippine mobile wallets OrbitRemit supports from New Zealand
If your recipient uses a different mobile wallet, OrbitRemit also supports:
- Maya (formerly PayMaya)
- GrabPay
- Coins.ph
You will see all available delivery options at checkout when setting up your transfer.
Transfer status: what to expect
Once you have sent your transfer, track it in the OrbitRemit app or website under Transfers. For a GCash transfer from New Zealand, here is what each status means:
- Awaiting payment: Your transfer has been created. Pay now to proceed.
- Processing funds: OrbitRemit has received your payment and is processing the transfer.
- Paid: Funds have been delivered to your recipient’s GCash wallet. Transfer complete.
For a full guide to OrbitRemit transfer statuses, see: What does my OrbitRemit transfer status mean?
FAQ’s (Frequently asked questions)
Can I send money to GCash from New Zealand?
Yes. OrbitRemit supports direct GCash transfers from New Zealand (NZD) to the Philippines. The fee is NZD $4 per transfer — NZD $2 cheaper than bank deposit or cash pickup transfers. Transfers of NZD $10,000 or more are fee-free.
How much does it cost to send money to GCash from New Zealand?
OrbitRemit charges a flat fee of NZD $4 per GCash transfer from New Zealand. This is NZD $2 less than bank deposit or cash pickup transfers (NZD $6). Transfers of NZD $10,000 or more are fee-free regardless of delivery method. The exchange rate and fee are both shown upfront before you confirm.
How long does a GCash transfer from New Zealand take?
GCash transfers from New Zealand with OrbitRemit typically arrive within minutes once your payment is received. Transfers made on weekdays during business hours are generally fastest.
What is the GCash transfer limit from New Zealand?
The limit for GCash transfers from NZD is 10,000 PHP per transaction. If you need to send more, split across multiple transfers or send to a Philippine bank account instead.
Does my recipient need a GCash account to receive the money?
Yes. Your recipient must have a registered GCash account linked to a Philippine mobile number. If they do not have one yet, they can download the GCash app and register in minutes, or dial *143# on a Globe or TM SIM.
Can I also send to a Philippine bank account from New Zealand?
Yes. OrbitRemit supports bank deposit transfers to major Philippine banks from New Zealand alongside GCash. Bank transfers have a higher per-day limit of up to 50,000,000 PHP.
Is OrbitRemit regulated in New Zealand?
Yes. OrbitRemit is supervised by the Department of Internal Affairs (DIA) in New Zealand as a licensed money remitter. FSPR registration: FSP7721.
What payment methods can I use from New Zealand?
From New Zealand, you can pay for your OrbitRemit transfer using bank transfer, debit card, credit card or POLi.
Send money to GCash from New Zealand with OrbitRemit
OrbitRemit has been helping New Zealanders send money to the Philippines since 2008. With a flat NZD $4 fee, transfers that typically arrive in minutes, and a Trustpilot Excellent rating from over 33,000 reviews, OrbitRemit is a trusted choice for NZ-based Filipino senders.
- NZD $4 flat fee per GCash transfer (NZD $2 cheaper than bank deposit; fee-free above NZD $10,000)
- Funds typically arrive in minutes
- No Philippine bank account needed
- Supervised by the DIA in New Zealand (FSP7721)
- Rated Excellent on Trustpilot from over 33,000 reviews
- First transfer free with promotional exchange rate
Fees, exchange rates and transfer limits are subject to change. Always check current rates at orbitremit.com before sending. Last updated May 2026.
Sources: orbitremit.com/philippines | support.orbitremit.com — Paying to a GCash account | support.orbitremit.com — Sending from New Zealand
