How to Register for a Virtual US Bank Account in GCash

To set up a GCash US Virtual Account, you must be a fully verified user and a Philippine resident aged 18 or older. Follow the steps below to complete the registration process using the GCash app.

Requirements

• Verification: Your GCash account must be “Fully Verified.”
• Profile: Ensure your GCash profile information is complete and up to date.
• Identification: You need at least one valid Philippine government-issued ID.
• Limit: You can only link one US Virtual Account to your GCash profile.

Setup Steps

1. Open the GCash App: From the main dashboard, tap View All.
2. Locate US Accounts: Look for and tap the US Accounts icon.
3. Navigate to Registration: Select International Accounts, then tap US Virtual Account.
4. Review Terms: Tap Continue to review the Terms and Conditions.
5. Start Application: Tap Proceed to begin filling out your details.
6. Verify Identity: Upload a photo of your valid ID and complete the selfie scan as prompted.
7. Submit: Review your information for accuracy and tap Submit.

What Happens Next?

After submitting your application, GCash will review your details. You will receive an update via your app inbox and push notification, typically after a few minutes.

Once approved, you can access your virtual bank account details by tapping View Account Details. You will see your dedicated ACH and Wire Routing numbers, which you can share with employers or platforms like Upwork, PayPal, or Wise.

Key Features and Benefits

• Hold USD: Keep your earnings in US Dollars and convert to Philippine Pesos (PHP) only when you choose.
• Real-Time Conversion: Convert USD to PHP at competitive live exchange rates within the app.
• Lower Fees: Receiving funds via ACH transfer typically incurs no fees, while wire transfers have a flat fee (currently $15).
• Direct Payments: Bypass third-party platform fees by receiving direct transfers from US-based companies.

Note: These virtual bank accounts are issued and maintained by Meridian Payments US. They are not traditional bank accounts and are not covered by deposit insurance (PDIC/FDIC).