MORE FEATURES, SERVICES: From sending money, fintech giant now makes life easier for Pinoys

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What started as a simple SMS money transfer has exploded into the financial super app that Filipinos can’t live without.  For 20 years, GCash has been rolling out feature after feature, making life easier, faster, and more inclusive for everyone.

From sending money in seconds to paying bills, shopping, and even investing, GCash has completely transformed how Filipinos handle money.

These 20 game-changing features are just a taste of what GCash has to offer and there’s a whole world of services in the app waiting to be explored.

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In 2004, flip phones are the hottest gadgets, and texting is the way to stay connected. Then GCash swoops in and changes the game, letting people send and receive money with a simple SMS/text.  GCash made moving money as easy as texting a friend, opening the door to financial freedom for millions.

By 2012, smartphones were everywhere, and GCash was right there, keeping up with the times. Enter Buy Load. Now one can reload prepaid credits anytime, anywhere, straight from his phone.  Today, more than prepaid load, one can also top up mobile data, promos, and other prepaid services like Cignal TV, Konsulta MD, and more.

In the same year, GCash’s Pay Bills feature turned one’s phone into a personal cashier, letting one pay for everything from electric bills to tuition without leaving home.  With just a few taps, and you’re all set to settle bills from over 1,900+ billers all in the app to date.

GCash also brought it to life in 2017 with Scan-to-Pay QR, the first of its kind in the Philippines. It made its debut when Globe Telecom’s President and CEO, Ernest Cu, used it for the first-ever payment at a convenience store. No more scrambling for change, just scan, pay, and go. GCash was at the forefront of the cashless revolution, making shopping faster, easier, and way more fun.

Launched in 2018, GCash’s eKYC (Electronic Know-Your-Customer) feature made getting verified quick, safe, and fully digital. What once required a face-to-face meeting with your ID is now as easy as opening the GCash app, scanning your ID, snapping a selfie, and hitting submit.

By 2018, GCash wasn’t just about sending money anymore, it was about borrowing it, too.  With GCredit, in partnership with CIMB, one could get instant cash when needed, with no bank hoops to jump through.

Also, in 2018, GCash launched GScore, and suddenly, one’s financial world was all about leveling up.  The higher your GScore, the more perks you could unlock in your GCash app, like access to more lending products. It’s like one’s personal power up in the GCash universe, opening doors for more financial freedom.  Today, there are 5.4 million unique borrowers, with 1 in 3 borrowers being small business owners and 2 in 3 borrowers being women.

Gsave, also launched in 2018, made saving money a breeze. No paperwork, no bank lines, and with just a few taps, you were saving like a pro. Finally, everyday Filipinos had easy access to banking and financial security at their fingertips. Today, GSave has evolved into a savings marketplace where you can open accounts with BPI, Unobank, CIMB, and Maybank, all within the app.  To date, there are 10.9 million registered GSave users earning up to 15 percent interest on savings.

In 2019, GForest could help one save the planet while using GCash possible.  Every transaction earned one points to plant virtual trees that were later turned into real ones.  So far, GCash, through its credible local and international partners, has planted 2.8 million trees.  With 17 million Green Heroes and 138,000 tons of carbon dioxide reduced, GCash is helping the planet while helping you manage your money.

When the world turned upside down in 2020, GInsure was born to give users access to affordable health and life insurance. With just a few taps, getting insured wasn’t intimidating anymore. It was quick, easy, and right in your pocket. Today, GInsure is a one-stop shop for all insurance needs. From life and health to cars, travel, accidents, and even pets and with premiums starting at just P10 a month.  With over 28.3 million GInsure policies sold and 7.8 million registered users, GCash is making protection accessible for all.

Since its launch in 2020, GLife has grown into more than a lifestyle mini-program, it is now a full-blown super app.  What started with shopping and food delivery has expanded into a one-stop shop for everything from travel bookings and entertainment to essential services like bill payment, health, and even insurance. With GLife, you can access a world of services without leaving the GCash app.

In 2021, GCash took borrowing to the next level with GGives and GLoan. GGives lets you split your payments into easy installments, with select merchants even offering 0 percent interest.  If you need quick cash, GLoan has you covered with loans up to P125,000.

Ever wanted to invest in the world’s biggest companies but thought it was out of your reach? Not with Ginvest.  Launched in 2021, GInvest, now called GFunds, allows one to participate in the growth of both local and global companies for as low as P50. Whether you’re eyeing top local corporations or global giants, GInvest makes it easy to start investing with just a few taps.

What started as a simple job search feature in 2021 has evolved into a comprehensive platform connecting users with employment opportunities. Now, GJobs, powered by PasaJob, helps job seekers by searching for jobs within the GCash app, offering tailored job listings and resources that streamline the hiring process. Now you can even refer friends and family to jobs and earn a referral fee once successfully placed. This feature facilitates employment and supports the growing gig economy, helping Filipinos find work that fits their skills and lifestyle.

GCash did not stop at local payments. In 2022, Global Pay took things international.  With GCash and Alipay+, cross-border payments became a breeze. Whether you’re shopping online or traveling abroad, GCash turned your phone into a global wallet, accepted worldwide.  Keeping things easy no matter where you are.

With digital threats on the rise, GCash teamed up with Chubb to launch Send Money Protect in 2023. This cyber insurance adds an extra layer of security to every GCash Express Send transfer of up to P15,000 for 30 days, shielding you from scams like social engineering, account takeovers, or online shopping fraud.

Launched in 2023 in partnership with AB Capital, GCash brought the stock market to your smartphone with GStocks PH. Now, anyone can invest in Philippine stocks straight from the app, no brokers required.  With 692,000 users and a minimum investment as low as P1,000, it’s investing, simplified, and accessible to all.

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Also, in 2023, GCash dove into the world of cryptocurrency. Buying, selling, and trading crypto became as easy as managing your e-wallet with GCrypto, in partnership with PDAX (Philippine Digital Asset Exchange).

GCash didn’t just stop at e-wallets. In 2023, the GCash Visa Card bridged the gap between digital payments and the real world. Whether shopping online or in physical stores, you can tap into your GCash balance wherever Visa is accepted. No hidden charges, the best forex rates, and accepted in over 200 countries and territories, this card has you covered wherever you go.

For Filipinos abroad, GCash Overseas was a total game-changer in 2023. Now, Overseas Filipino Workers (OFWs) and migrants can use GCash even with a non-Philippine SIM. From sending money to paying bills in real-time, GCash keeps you connected to your financial responsibilities back home.  One can send funds to one’s family instantly, without service fees, or pay for bills in the Philippines.

For 20 years, GCash has been pushing boundaries, but one thing has stayed the same: its mission is to make financial services accessible to every Filipino. From a humble SMS transfer service to a super app that revolutionized money management, GCash has transformed the way we handle finances–and it’s only the beginning.

GCash is the Philippines’ #1 Finance Super App and Largest Cashless Ecosystem. GCash’s mobile wallet operations are handled by G-Xchange, Inc. (GXI), a wholly-owned subsidiary of Mynt, the first and only $5 billion in the Philippines.

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