GCash vs Local Pay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
GCash
Send money instantly to the Philippines, pay over 2000 bills, and manage your finances from abroad. Link your US bank account, save with high interest rates, and scan to pay securely. Stay connected and support loved ones with ease.
- Instant money transfers
- Pay over 2000 bills
- Link US bank accounts
- Earn interest on savings
- Scan to pay with QR
- Secure bank transfers
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GCash is a FINANCE SUPER APP in the Philippines that lets you pay, load, save, invest, and more! Through its convenient cashless solutions, GCash helps millions of Filipinos navigate towards financial progress in their everyday, prepare for rainy days, and be ready for a brighter one day. DOWNLOAD and REGISTER now! • Open to all networks • Zero-rated for Globe and TM • Regulated by BSP SEND MONEY IN REAL-TIME • Free GCash-to-GCash transactions • Send to GCash accounts via Express Send • Transfer funds to other e-wallets & banks such as Maya, BPI, BDO, Unionbank, Landbank, Metrobank, Chinabank, and more • Save bank account details for future transfers SA GLOAD, LAGING MAY BONUS SA BAWAT LOAD • Exclusive Offers with Extra GB or longer validity vs. regular offers • Free Health Insurance with up to ₱2.5K Hospital Allowance • Chance to win up to ₱200K weekly via Lucky Load! SA GBILLS, PAY BILLS ALL IN ONE APP • 2,400+ billers including Electric and Water Utilities, Loans, Government dues, and more • Hassle-free payments with our schedule payments or simply save your favorite billers • Short on funds? Settle your bill now, and pay later with GCredit or pay lighter via GGives PAY EASILY EVERYWHERE YOU GO • Enjoy barya-free payments with Scan to Pay via GCash QR or QRPh across millions of merchants nationwide and globally with Alipay+ QR, and use it more to unlock GGives installment options • Use the GCash Card to pay with 0% forex in 200+ countries and territories • Pay with GCash Tap to Pay at over 350,000 checkout terminals local and abroad • Pay Online securely and instantly on e-commerce platforms, and get up to P20k coverage in case of scams with Online Shopping Protect • Link directly to the App Store to pay for subscriptions, games, movies, and more KAYA TODAY WHEN YOU BORROW WITH GCASH • Borrow instantly up to ₱150k with GLoan • Pay later up to ₱50K with 0.17% daily interest with GCredit • Pay in installments up to 24 months and zero downpayment with GGives • Borrow Load for as low as ₱20 across all networks, payable up to 14 days MANAGE YOUR WEALTH EASILY • GSave - one savings marketplace - high interest rates from trusted bank partners - no minimum deposit or balance - easy to open, manage, and access anytime * GStocks - Instant approval, become a part-owner of the top local companies for as low as ₱500 * GFunds - Simple investing managed by experts, and a wide selection of local and global funds for as low as ₱50 * GBonds - Invest in government securities for as low as ₱500, earn guaranteed interest * GCrypto - Register in less than 30 seconds, get instant approval and access to curated cryptocurrencies for as low as ₱200, beginner-friendly BE EXTRA READY & PROTECTED WITH INSURANCE • Hospitalization & Accident Insurance starting ₱48, up to ₱1.2M coverage for medical expenses and critical illnesses • Get Travel Insurance in fast as 5 minutes, starting ₱299, up to ₱2.5M coverage • Scam Protection for only ₱30 for 30-day protection against scams, up to ₱15K coverage CASH IN ONLINE & OFFLINE • In-app: partner banks or online banking with Instapay • Over-the-counter: Cebuana Lhuillier, Palawan, Puregold, Pay&Go, and more PLANT REAL TREES BY COLLECTING GREEN ENERGY • Earn and collect Energy Points through GCash transactions, then our partners will plant real trees in various Philippine forests 30th Floor, W City Center, 7th Avenue corner 30th Street, Bonifacio Global City, Taguig City, Metro Manila, Philippines
Local Pay
Easily make payments with a network of contracted partners. Earn points on your transactions that can be redeemed as cash. Start managing your payments conveniently.
- Easy payment processing
- Earn points on purchases
- Redeem points as cash
- Network of contracted partners
- Convenient transaction management
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You can make your payments easily using Local Pay in all contracted partners of Creditwest Bank. You earn points for your payments and can use your points as cash anytime you want in Local Pay. Download and start to use Local Pay now with your customer number.
Screenshots
Verdict
The clearest difference is review sentiment: Local Pay at 100% against GCash's 8%. Local Pay also leads on monetization model (free vs free with in-app purchases) and iOS requirement (12.2 vs 15.0). On price, update cadence, ads and in-app purchases there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
GCash ships an update fortnightly, Local Pay every 3 weeks. The most recent releases landed on October 31, 2026 and October 20, 2026 respectively.
| Parameter | GCash | Local Pay |
|---|---|---|
| Price | Free | Free |
| Rating | 3.3 (2.9K ratings) — better | — |
| Positive reviews | 8.0% of reviews | 100.0% of reviews — better |
| Number of ratings | 2.9K — better | — |
| Update frequency | Fortnightly — better | Every 3 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 15.0 | 12.2 — better |
| Further details — not scored | ||
| Size | 505 MB | 171 MB |
| Age rating | 4+ | 4+ |
| Developer | MYNT, INC. | Creditwestbank Ltd. |
Customer experience
GCash
Local Pay
Bugs and requests
GCash
Reported bugs
4 issues- Unable to receive OTP for login/transactions
- Verification process frequently fails
- Inconsistent app performance and stability
- Funds disappearing from accounts without explanation
Requested features
4 requests- Add support for international bank accounts
- Improve OTP delivery for overseas users
- Implement biometric authentication options
- Provide more transparency on transaction history
Local Pay
Not enough reviews yet to summarise bugs or requests.
In-app purchases
GCash
No in-app purchases
Local Pay
No in-app purchases









