A complete guide to transferring funds from DBS to GCash

If you’re a DBS customer in Singapore, you can use the DBS Remit¹ service to send money to people overseas conveniently and with low or no transfer fee to pay. DBS Remit supports payments to 50+ countries, to bank accounts, and also to local wallets.

Sending a payment to the Philippines? In this guide, we cover key questions - including can DBS send money to GCash²? And if I send DBS Remit to GCash how long will it take for my money to arrive?

We'll also introduce the Wise account, a handy companion to make your money go further with low, transparent fees.

Can DBS send money to GCash?

Yes. DBS Remit supports payments to banks and also to GCash in the Philippines³.

If you're sending money to someone in the Philippines, this can be a convenient way to get money to them quickly, as GCash is a widely used e-wallet that allows customers to spend, send, and withdraw their funds easily.

You can set up a DBS to GCash payment through the DBS Digibank Mobile and Digibank Online services, which means you don’t need to go to a branch to get your transfer moving.

How to send money to GCash from DBS: Step-by-step guide

If you want to send money to GCash from DBS, you’ll need to get some information from your recipient and then add their details to your DBS account before making your payment. Here’s what you need to ask the recipient to give you:

• Recipient’s Filipino phone number as shown on their GCash wallet
• Recipient's full name
• Recipient's address

Setting up a new recipient

Once you have this on hand, you can add the information to your DBS account to set up a new recipient. You only need to do this once; subsequent transfers can be made by simply selecting the recipient from your list.

Here’s how to set up a new GCash recipient with DBS Remit⁴:

1. Log in to Digibank Mobile and tap Pay & Transfer, then Overseas.
2. Tap Add a recipient, and then enter the Philippines as the location to send to.
3. Select PHP as the Currency when prompted.
4. Enter your recipient's GCash details, and tap Add now to add your recipient to your DBS account.

Transferring funds via Digibank app

Once you have your GCash recipient added to your DBS account, you can send them a payment through the Digibank app using just your phone⁵:

1. Log in to the Digibank mobile app, and tap Pay & Transfer, then Overseas.
2. Select the recipient from your recipient’s list.
3. Select the account you want to pay from and enter the transfer amount.
4. Follow the prompts to add the purpose of the transfer, then tap Transfer now.

Transferring funds via Digibank online

If you prefer to manage your DBS account using your computer, you can also send money to GCash through Digibank online:

1. Log in to Digibank online with your DBS user ID and PIN.
2. Complete the authentication process.
3. Click on Transfer, then DBS Remit and Overseas Transfer.
4. Select the recipient from your recipients list.
5. Select the account you want to pay from and enter the transfer amount.
6. Follow the prompts to add the purpose of the transfer, then tap Transfer now.

Transfer details and costs

DBS to GCash transfer times and cut-offs

For most payments to a bank account, there’s a DBS Remit cut-off time that you’ll need to hit to ensure the fastest available payment. If you get your transfer request in before this cutoff, your funds should be received on the same day you send them.

With GCash, it works a little differently. The good news is that there’s no DBS to GCash cut-off time⁶.

No matter what time of day you transfer, the DBS to GCash transfer time on a Monday to Saturday should be pretty fast. Transfers are received on the same day they're sent - and if you arrange your payment on a Sunday or a public holiday, it should be processed and received on the next working day.

DBS to GCash fees

When you send a DBS to GCash transfer from Singapore, there’s a fee of 1 SGD for payments of 150 SGD or less, waived for higher value payments. There’s no GCash incoming payment fee to pay⁷.

Bear in mind that, in addition to any possible transfer fee, an additional charge may be applied to the exchange rate used for currency conversion. DBS will convert the SGD in your account to PHP for deposit to GCash. The exchange rate is set by DBS, and may include a markup - a fee.

To illustrate how this works, let’s take a quick example of a payment of 100 SGD to GCash, with DBS Remit and Wise:

*Details taken from Wise and DBS websites, 12th August 2025

In this example, because Wise does not add a fee to the exchange rate used for currency conversion, but splits out all fees separately, the recipient gets more. We’ll look at how Wise works for Wise to GCash transfers in a moment.

DBS to GCash limits

It’s also helpful to note the transfer limits for DBS to GCash. DBS limits are set as follows:

• Daily transfer limit of SGD 200,000
• Per transaction limit of 50,000 PHP (about 1,125 SGD)

On top of this, there are GCash incoming payment limits which will apply⁸. The amount you can receive to your GCash account depends on the type of account you hold.

If you have a basic account, you can only receive 5,000 PHP a month and hold a maximum of 10,000 PHP. If you have a fully verified account, you can receive and hold up to 100,000 PHP a month. The top-tier account - GCash Platinum - can receive and hold 1 million PHP a month.

So while the DBS limits are pretty generous - 200,000 SGD is close to 9 million PHP - you can’t actually receive or hold that much in GCash. This means that understanding the GCash limits is crucial before you start to make a transfer.

Sending money to the Philippines? Use Wise for instant transfers

Wise international money transfers can be set up online or within the Wise app with low fees from 0.26% and the mid-market rate, to over 140+ countries. There’s no markup added to the exchange rate that’s used to convert your currency, which makes it easier to see exactly what you're paying for a transfer, and what the recipient will get in the end. Just transfer the amount indicated in SGD and let Wise do the rest.

Track your transfers easily when you create a free Wise account, and manage, hold, and convert your money in SGD and 40+ other currencies. You'll get the same great rates, and be able to track your transfers all from one place. As a bonus, you can also get 8+ local account details to be able to receive money in SGD, USD, GBP, and more.

✍️ Sign up for a free account now

Sources last checked: 19 August 2025