GCash does monitor its users’ transactions and if the GCash team detects a slight suspicious activity, they will notify the users via email. I received a comment on one of my articles about his or her account being suspended so I thought I would address this.
If you find that you cannot log in to your GCash mobile app. you would get this kind of error message:
I immediately went to GCashCare on Messenger and that was a mistake – a waste of time because even though GCashCare is preset to send automated responses once you send them a message, you would not be able to get to chat with a live person as soon as you deliver your response. Chances are, you would have already been e-mailed about your GCash account suspension so you should first check the email account you registered with GCash instead of going to Messenger.
True enough, I did receive an e-mail from GCash informing me of transactions they tagged as suspicious and they wanted me to confirm if I was the one who performed them on the mobile app.
Without hesitation I responded to the e-mail that I was the one who made the transactions they listed. The account suspension was lifted shortly after they received my response so no worries there. Even if your account gets suspended, it is temporary.
As you all know I have been writing about the technical issues I have had with GCash and all of them have been resolved. In this article I am going to write about the GCash non-dispense issue I had with an ATM machine outside the Philippines.
As I have written in a previous article, withdrawing cash in ATM machines overseas can be tricky as some cards may not be accepted in all banks and you run the risk of trial and error as to which bank’s ATM machine would accept your card. Even if the ATM machine lists all the logo, it’s not an assurance that it would work. I have a GCash MasterCard and even though the bank in Hanoi I tried transacting with listed MasterCard on the ATM machine, I still encountered an error and the card ejected my card along with the transaction slip bearing the words “Issuer or Switch Inoperative”.
No cash came out, of course, so imagine my confusion when I tried withdrawing funds in another bank’s ATM machine and saw the error message on the screen that my funds were insufficient for the transaction. I did not bring my Android phone at the time which has my Globe sim inserted in it so I did not see the text message from GCash that the non-dispense transaction at Shinhan ATM machine got my GCash balance deducted.
I sent an e-mail to GCash about it and the customer service rep replied that it would take 7-14 business days for my funds to be reverted. My mistake was WAITING and doing nothing for the 7-14 days period. When I tried to follow up with them beyond the 14 business days period, I was told by the agent that she forgot to attach the Dispute Form for me to fill up. The reversal dragged on longer than expected because even when the second 14 business days period right after I submitted the Dispute Form, it took something like a week or so for me to see the funds back in my account and not without badgering GCash on Messenger, Twitter and via e-mail. Not to mention all my follow-up attempts were futile because their reps would not respond to me on time. Two weeks after I got my funds back was the only time when the replies from their customer service agents came in.
I know I have stressed this before in other GCash articles, but I am going to emphasize this issue one more time – please have a Dispute Form downloaded on your laptop or desktop computer to fill up easily in case you encounter any technical issues with GCash services, especially those that involve money reversal. You can download the Dispute Form here.
When traveling overseas we may overlook the fact that not all debit cards can be used in a lot of ATM machines. I would always recommend to bring two or more debit cards. I currently have the GCash MasterCard and RCBC MyWallet for the meantime.
I also have my PayMaya physical card which is already linked to my verified PayMaya virtual card account but I am excluding it for now because of the Ph500 roaming fee my Smart postpaid account would automatically charge me once I insert my SIM to a working phone here while being overseas. As PayMaya now requires a text verification upon logging in to the PayMaya mobile app, I don’t think it’s worth it using my Smart postpaid SIM when I have two other debit card alternatives.
In Thailand, I could withdraw funds from my GCash MasterCard in most ATM machines. Most 7-Eleven stores in Thailand have ATM machines outside the premises but you have to also make sure the ATM machine is not that of a local bank. As for the RCBC MyWallet, I have tried withdrawing cash from it in both Siam Commercial Bank and Krungsri ATM machines and have been able to transact successfully.
I should also like to mention that solely depending on GCash MasterCard is not a good option because of the monthly withdrawal limit. There were times when I’ve reached my limit in GCash on the last day of the month and I had to wait for the next day, the first day of the next month, to do a withdrawal. In case waiting might pose a hassle for you, it’s good to have other options too.
It gets tricky here in Vietnam for the RCBC MyWallet. Techcom Bank, BIDV Bank, Lienviet Post Bank, Vietcom Bank and Maritime Bank are the most common ATM machines I could run into and GCash would be accepted in all of these. The only ATM where I found I could use my RCBC MyWallet is that of VP Bank. Unlike Vietcom and Techcombank, you won’t come across VP Bank ATM machines in most big malls. I had to research VP Bank ATM locations online.
I do find my travelling situation to be unique but I hope this has helped anyone who has trouble finding a bank in Vietnam they can withdraw their funds with using RCBC MyWallet.
I have been using Skrill for transferring funds to my Philippine mobile wallet and purchasing referrals in NeoBux. Over the years, more online businesses I have used have switched from PayPal to Skrill as it has proven to be a good alternative to PayPal. I still prefer to use it over Payoneer because of the lower fees.
My only complaint about it lately has been about the Skrill verification process. I have completed the ID verification last year and for a while was not badgered about other Skrill verification process I needed to complete until last month. It was about the address verification. I wanted to add some Skrill funds to my NeoBux account so I could purchase new referrals. There was a warning on my profile page that my account use would be limited because I have not done the address verification. My beef mainly concerns the account restriction – this should have also included NOT BEING ABLE TO DEPOSIT FUNDS into my own account using my card. It should not only cover the amount restriction and limitation to transfer Skrill funds or use Skrill funds for purchases.
After Skrill ACCEPTED my funds deposit to my own account using my own card (mind you, this was AUTOMATED – a lesson for other companies to disable this feature also unless verification has been completed), I proceeded to upload my postpaid bill document. It was rejected. Few years back, I submitted my postpaid bill document showing my address and my name and they actually deemed it as valid. Now, the same document was rejected as they said they will only accept telephone utility bills. For some unfortunate reason, my sister said she has not received the telephone paper statements in our address. The newly added funds were stuck there in my Skrill account.
Meanwhile, I would have to pester my family back home for water or electric bill statements to get rid of this annoyance.
Update: January 2, 2018
I requested my sister to take a photo of a utility bill which she sent to me via Viber. It would make sense to upload the said document via the Skrill mobile app as well. However, in the Skrill mobile app (at least in the iOS version as I have not tried downloading Skrill on Android yet) it does say USE DOCUMENT UPLOAD but that option is misleading because it only allows you to scan or take a photo of the said document, which means you must have the utility bill on hand. In other words, it is pointless to do the address or location verification via the Skrill mobile app.
I had to do it via the web site on desktop as there is an option in the latter to upload the document. I had to open iCloud on the web and download the utility bill photo from there.
Update: January 3, 2018
Just got word from Skrill that my location has been verified.
Earlier today I got an alert on my iPhone to update my GCash mobile app and that the new update not only includes the RCBC-GCash and BPI-GCash cash-ins but also a list of their over-the-counter partners right within the GCash mobile app.
For a few months registering GCash within the RCBC Online Banking platform had been disabled. It’s a good thing they have brought the feature back. If you access your Globe sim menu and select GCash > Registration by dialing *119#, you will see the option to register your BPI and RCBC accounts. For a refresher, here’s the video for the registration for RCBC:
Update: June 11, 2018
Even though the RCBC to GCash option is available in the GCash mobile app, most of us encounter errors in attempting the feature. It probably works for RCBC accounts which are connected to a savings account but with the RCBC MyWallet Visa debit card (one can apply for this card at any RCBC branches without necessarily having a savings account at RCBC), it seems it’s been disabled again and it’s unclear when the RCBC to GCash cash-in service will resume. I would like to also emphasize that even though there is an option in the GCash mobile app to add your MasterCard or Visa Debit Card for cash-in, adding your RCBC MyWallet Visa Debit card is not allowed and you will only get a text notification that the attempt to add the card is unsuccessful.
There is an alternative, which I have tried for myself yesterday, but it would require you to have a Skrill account.
You must have a verified Skrill account.
Your GCash account must already be linked to your verified Skrill account. You can add your GCash mobile number under the Mobile Wallets tab.
Your RCBC MyWallet, which is a Visa debit card, must be also added to your Skrill account. You can do this by clicking on the tab Cards and Bank Accounts. Even if you do not verify this particular Visa debit card, you can still send money directly via Skrill but there would be a limit.
I would suggest you do the RCBC MyWallet to GCash cash-in on the web and not on the Skrill mobile app for the reason that “Philippines” does not appear on the drop down menu on the mobile app. Skrill needs to update their mobile app for bugs.
Here are the steps to transfer or send your RCBC MyWallet funds to your GCash account:
1 – Under Account Overview and just right under Available balance, there are two buttons for Send Money. Click on Send Direct.
2 – Since this pertains to RCBC MyWallet, select Credit/debit card.
3 – Select the RCBC MyWallet Visa debit card to be debited from.
There has been a technical problem with GCash mobile app lately and it affects both the Android and Apple versions. Two weeks ago when using my GCash app to withdraw funds from PayPal to GCash, the mobile app would prompt me that my PayPal account has not been linked or that I need to re-link my PayPal account to my GCash account.
The problem with re-linking it is it duplicates the Pre-approved Payments Plan code recorded in your PayPal account for the same Globe GCash mobile number. You would have to log in to your PayPal again and delete the older Pre-approved Payments Plan code.
The other issue from which the same GCash technical problem would arise is if you are alternately using two or more Globe GCash numbers to access your GCash mobile app in Android or on an iPhone. When the cache on your phone has not been cleared or reset, the GCash mobile app would give you an error prompt about re-linking your account which should have only been the case for one Globe GCash number as users are only allowed to connect one PayPal account. Avoid having to alternate frequently between numbers.
If you aren’t aware of it yet, Android and iPhone do not roll out the update simultaneously. Android version of the GCash mobile app may release a more updated version earlier than on its Apple counterpart. I have observed this marked difference and it is the reason why I keep an Android and an iPhone and have the GCash mobile app installed on both. There was a time when my GCash account showed up as Unverified on the iPhone version while I was Verified on the Android. Of course, I had to break my own rule to stop alternating GCash numbers and had to do my GCash transactions on the Verified version. In fact, three days ago I experienced a coded error on my Android’s GCash after having successfully cashed in from PayPal to GCash. When I went to my iPhone’s GCash, I didn’t experience any errors at all.
Hope these few tips helped. Always remember you do not need to keep re-linking your account to PayPal as it could only be a temporary system glitch.
In case your GCash balance has already been deducted because of a system glitch, simply fill out this Dispute Form and e-mail it to firstname.lastname@example.org.
Update: January 7, 2018
For a few months I had been using my sister’s GCash account for PayPal to GCash cash-ins because of this relinking error. Last Wednesday, in the middle of doing the cash-in on the GCash mobile app on my Android using my sister’s GCash account, that dreaded “Please Try Relinking Your PayPal Account To Your GCash Wallet” error appeared. What I did was tell my sister to transfer back to me the remaining USD to my PayPal account from hers because I wanted to see if I could finally relink my own GCash account to PayPal using the GCash mobile app on my iPhone. The relink turned out to be successful and I was able to resume my PayPal to GCash cash-in.
Update: February 22, 2018
Yesterday I encountered the same error and was not able to do a PayPal to GCash cash-in. In order to get my funds, I requested my sister to exchange my PayPal USD into PHP with the help of a trusted currency exchanger. Today, I received a text notification from GCash that they are temporarily suspending the PayPal to GCash cash-in. We’ll have to be patient until this service resumes.
Update: February 26, 2018
GCash has sent out this update:
“Hi there! We’re pleased to inform you that the PayPal to GCash service has been restored. We appreciate your patience and understanding. Thank you.”
Update: May 9, 2018
I encountered this dreadful error again but thankfully the GCash mobile app worked just fine after the re-linking. I was able to proceed with my cash-in right after. Here are my screenshots for this day:
Update: June 13, 2018
For two weeks now I have seen the error message “Sorry, we are unable to proceed with your cash-in request” when I try to do a PayPal to GCash cash-in. The good news is you can still proceed with a successful cash-in by clicking on Retry. Again, ALWAYS WITHDRAW IN INCREMENTS OF $25-$29. Doing cash-ins in alternate amounts between $25 and $29 is safer and I had lesser problems with delayed cash-ins.
Although I praise GCash for preoccupying themselves with their customers’ security, I still couldn’t forget how traumatizing it was to experience PayPal to GCash cash-in delays thrice.
On June 8th, I received a follow-up e-mail from GCash regarding the transaction I made on June 7th.
I replied to the e-mail and informed them I have done withdrawals in small batches for more than three weeks already, pointing out to them that in case the initial $15 does not go through, I only have a measly $15 to dispute with PayPal for 6 days instead of a hefty $278.
I hope my reply put things into perspective for them.
I signed up for a PayMaya account almost two years ago. There was an Upgrade option right within the PayMaya mobile app and I got the reference number via SMS but had not been able to upgrade then because of the lack of authorized PayMaya centers. At the time I signed up there was no authorized PayMaya center in my hometown and as of this writing there still isn’t one in Cagayan de Oro.
Last year I became aware of the Facebook video call via the PayMaya Official Facebook page. I tried this option with an old account, which I had to bring back to life from deactivation, only to be later disappointed that my Facebook video call request was ignored. I replied to their message via Messenger about the time and date and a month had gone by without any reply from them. Okaayyyyy. They should take out the Cares in PayMaya Cares or whatever. When I had the chance to stop by in Manila for 4 weeks, I found my chance and took care of this PayMaya upgrade business the first few days after my arrival in Manila.
If you browse through the PayMaya website, there’s a link for authorized Bayad Centers that will do the upgrade. Upgrade is free, by the way. I am staying in Las Piñas and this was favourable because there are few Bayad Centers close by. I chose the closest, Puregold Las Piñas.
I wasn’t very familiar with Las Piñas (I only lived in Parañaque a few years in the past but rarely ventured further down the South) and although I easily spotted Puregold Las Piñas, my journey didn’t go as smoothly as I would have liked because of a tiny oversight – I had to be in possession of a filled-up Bayad Center application form. If I had taken the Smart Jump Center route, which was SM Megamall, perhaps I would not be needing the Bayad Center form anymore. I was informed by the Bayad Center attendant in Puregold Las Piñas that I would need to print the Bayad Center upgrade application form and fill it up with the same information I entered in my PayMaya upgrade application online.
It took me 30 minutes of scouting the area outside of Puregold to find an internet cafe which offer printing services. When I went back to submit the form, again, I realised I had overlooked something when the attendant called me about the form I submitted. I did make sure, however, that I don’t get out of the premises without receiving any text message or a call from Bayad Center. The passport number I had entered on the form did not match what I entered on my PayMaya upgrade application. The passport number I submitted years ago expires this month and I have had a new passport since November 2016. My mistake was assuming that I could replace the info because of a mere expiration issue. I was wrong. Expired or not, the same ID indicated during the time one signed up must also be written on the Bayad Center form.
Once I provided the old passport number, I received a text notification within minutes from PayMaya that my account has already been upgraded to PayMaya Plus.
It was such a relief to be able to see on my PayMaya mobile app that I could send money to my other PayMaya card and/or SmartMoney accounts and even to other KYC’ed GCash accounts as well, which I currently have.
I did the PayMaya to GCash transfer to test. The transfer came through instantly!
UPDATE: September 1, 2019
Just thought I’d update this article for those who are interested in using PayMaya as an alternative to GCash. The PayMaya Plus upgrade can be done within the mobile app itself and there is no need to go to a PayMaya center for the account upgrade. Few days ago I instructed my mother to follow the instructions indicated in the PayMaya mobile app and in less than 24 hours she received a confirmation that her account has been upgraded.
I have been experiencing the unrecognised 0956 Globe number error message since I purchased the sim late last year. At one point the error revolves around not being able to receive GCash funds when transferring from my GCash AmEx number. The app would prompt something like the number is not an existing Globe number. I bought the Globe 0956 number from a GCash MasterCard kiosk in a Globe Center.
In the Globe Rewards mobile app, I cannot add my Globe 0956 number because, again, the system says I must enter an existing Globe number. Nonetheless, I could send text messages with it, make calls and receive calls with it. To redeem my Globe Rewards points, I would need to dial *143# instead of using the Globe Rewards mobile app.
When Skrill was still partners with Upwork for the latter’s withdrawal options, I would withdraw my Upwork funds to Skrill and within the Skrill mobile app I would withdraw it to my mobile wallet. Mobile wallet withdrawal was instant. Here is a sample video of an error message I would get when choosing my Globe 0956 number under Mobile Wallet to withdraw my Skrill funds to. You can see in the video I had to use my Globe 0995 number, which is my GCash AmEx number, to successfully do a Skrill mobile wallet withdrawal. From the GCash mobile app, I am now able to transfer funds from my GCash AmEx 0995 number to my GCash MasterCard 0956 number.
Another problem a 0956 Globe prefix number poses is the lengthy refund period. With my GCash AmEx 0995 number, I would get refunds in a shorter period of time and there was no need for me to send a Dispute Form to GCash’s customer support. If you have a GCash number with a Globe prefix that’s experiencing the problems I described in this article, you should always make sure you file a dispute for any pending refunds or chargebacks you are expecting as soon as possible. Better late than never.
It has been two weeks since I could not use the PayPal to GCash cash-in within the GCash mobile app itself. I’ve experienced delayed cash-ins before and I am glad Globe owned up to the never-ending technical difficulties their system seems to be having to prevent amassing discontented customers.
At first I thought the error was caused by the lack of update for the Android version only.
I kept encountering that error message even though my PayPal account was already linked to GCash in the past. I tried unlinking it via PayPal and then relinking it within the GCash smartphone app but the same problem persisted.
It was somewhat deceiving when I tried inserting my Globe GCash sim into my iPhone and could click on the PayPal to GCash cash-in option in the iOS version. However, when I entered the amount and clicked Next, that was when the error message appeared.
Relinking was futile, of course, as both Android and iOS versions have given me the same error message. PayPal and GCash Care clarified the issue.
Yesterday, I received a text notification that PayPal to GCash cash-in is now functional.
In case your GCash balance has already been deducted because of a system glitch, simply fill out this Dispute Form and e-mail it to email@example.com.