Insert Title Here

Philippine regulatory approach provides exemplary m-banking model

From New Horizon Q1 2008

The Philippine Central Bank fosters an environment that helps bring mobile banking services to rural shopkeepers, street vendors and household-based entrepreneurs.

In the Philippines micro, small and medium-sized enterprises make up 99.6 percent of total businesses and employ 70 percent of the workforce. Around 4.1 million families belonging to the lowest-income strata are engaged in microenterprise activities.

Without access to financial services, these microenterprises are forced to rely on more expensive sources of credit, such as informal money lenders, that limit their growth capacity.

16. What number can I call for G-Cash service concerns?

Coming Soon!

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2. What is electronic money?

Coming Soon!

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1. What is mobile phone banking?

Coming Soon!

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New to Mobile Phone Banking? Got Questions? Find the answers here.

What is mobile phone banking?
What is electronic money?
What is G-Cash?
How Do I Download the G-Cash Menu?
How Do I Activate My G-Cash Service?
How Do I Access the G-Cash Menu?
What is Cash-In and Cash-Out?
How Do I Load G-Cash Into My Phone?
How do I send G-Cash from my mobile phone to another mobile phone?
How do I convert my G-Cash into cash?
How much G-Cash can I store in my cellphone?
What is the maximum/minimum amount I can send or receive?
How Do I Inquire my G-Cash Balance?
How Do I Change my M-PIN?
How can someone from overseas send G-Cash to someone in the Philippines?
What number can I call for G-Cash service concerns?
I lost my phone? Did I lose my G-Cash too?
I want to use my phone to transact with my bank, but there is no cellphone signal. What should I do?
I did not receive any confirmation/notification message of my G-Cash transaction with the bank?

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Text-A-Payment

Mobile Banking Conference at Chemonics International

Submitted by Ana Escalante

Last week I attended to a conference at Chemonics International by John Owens on mobile banking (m-banking). Almost every writer on NextBillion has written blog posts about this new approach to banking. According to John Owens -chief of party for MABS from Chemonics International- m-banking is the future of micro-finance and rural banking, especially in remote areas - and many people agree. With the increase in cell phone sales in the past years, more people have cell phones and therefore banking services have a broader market base in which to operate.

Cell phones double as electronic wallets in Philippines

By Oliver Teves, Associated Press

Dennis Tiangco receives money at a bank that was sent by his mother in Hong Kong thru his cell phone in San Miguel town, in the northern Philippines. More than 5.5 million Filipinos now use using their cell phones as virtual wallets.

SAN MIGUEL, Philippines � It's Thursday, so 18-year-old Dennis Tiangco is off to a bank to collect his weekly allowance, zapped by his mother � who's working in Hong Kong � to his electronic wallet: his cellphone.

Sauntering into a branch of GM Bank in the town of San Miguel, Dennis fills out a form, sends a text message via his phone to a bank line dedicated to the service.

A bank in every pocket?

From The Economist print edition, Nov 15th 2007
Banking on mobile phones holds promise, provided regulators are willing to be flexible

THE idea that mobile phones bring economic benefits is now widely accepted. In places with bad roads, few trains and parlous land lines, they substitute for travel, allow price data to be distributed more quickly and easily, enable traders to reach wider markets and generally ease the business of doing business. Leonard Waverman of the London Business School has estimated that an extra ten mobile phones per 100 people in a typical developing country leads to an extra half a percentage point of growth in GDP per person. To realise the economic benefits of mobile phones, governments in such countries need to do away with state monopolies, issue new licences to allow rival operators to enter the market and slash taxes on handsets. With few exceptions (hallo, Ethiopia), they have done so, and mobile phones are now spreading fast, even in the poorest parts of the world.

Microfinance lenders are getting the message

By Roel Landingin and Richard Lapper, http://www.ft.com

Running a small bank that is big on microfinance can be tedious work. Take it from Omar Andaya, whose family owns Greenbank, a rural bank based in Butuan city in the southern Philippine island of Mindanao.

Sending Money via Mobile Phones in the Philippines

Text-A-Payment for M-Commerce

Mobile Phone Banking and Mobile Commerce Solution

12. What is the maximum/minimum amount I can send or receive?

For phone to phone (P2P) transfer, the minimum amount is PhP1.00.
The maximum amount you can send or receive P2P is P40,000 in a day. This is also called the wallet limit. Note that the total amount you can transfer or receive in a month is limited to P100,000.
However, a Rural Bank or other G-Cash outlet servicing your transaction may have set its own maximum limits for cash-out or cash-in transactions, which can be lower than the PhP40,000 daily or the PhP100,000 monthly limit.

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10. How do I convert my G-Cash into cash?

Go to your nearest Rural Bank or Globe Business Center
Fill up the Globe G-Cash Service Form
Show required identification to the G-Cash person in-charge.
Send G-Cash from your phone to G-Cash service phone the bank or GBC. Pay the processing fee. You will then receive your cash.

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7. What is Cash-In and Cash-Out?

Cash-In is the term used for converting your cash into G-Cash. See question no. 5, How do I load G-Cash into my phone for details on how to Cash-In.
Cash-Out is the term used for converting your G-Cash into cash. SeeGo to your nearest Rural Bank or Globe

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RP Mobile Phone Banking Catches Global Attention

Tuesday, 02 October 2007
The Philippine Star

Mobile phone banking services developed in the Philippines was highlighted in an international conference held in Washington recently.

The United States Agency for International Development-supported Rural Bankers Association of the Philippines (RBAP) -Microenterprise Access to Banking Services (MABS) program attracted attention during an international technology conference held at the World Bank headquarters in Washington, DC and sponsored by the International Finance Corp. (IFC), the Consultative Group to Assist the Poor (CGAP), and VISA International.

The conference on �Next Generation Access to Finance: Gaining Scale and Reducing Costs with Technology and Credit Scoring� featured technologies used by pioneering organizations in the financial services industry � including microfinance organizations � to reduce costs, reach new customers, and scale-up delivery of services.

Philippine Rural Banking Goes Mobile with GCash

Taken from: Microfinance Gateway
Owens, J. & Balingit, C.

The USAID-supported Microenterprise Access to Banking Services (MABS) program is an initiative of the Rural Bankers Association of the Philippines (RBAP). In partnership with the Philippine rural banking industry, the program aims to significantly expand access to financial services for micro-entrepreneurs. This highlight discusses one of the MABS Program's most innovative projects, using mobile phone banking to reach rural micro-entrepreneurs.

RBs Initiate Text Payments, Withdrawals

Tuesday, September 04 2007 (www.philstar.com)

After being among the first financial institutions in the Philippines to use mobile phone technology, especially short message system (SMS) or text message, for remittance and utilities banking activities, the rural banks are now involved in withdrawals through SMS.
A good example is Bangko Kabayan,which has been offering the Text-A-Payment for some time now. Recently, it introduced the new Text-A-Withdrawal services at its Calaca branch.
The progressive rural bank has a growing number of clients residing in Balayan which is located some 40 minutes away from the nearest branch in Calaca.

Website Launched for Mobile Phone Banking Clients of Rural Banks

A new website www.mobilephonebanking.rbap.org has been launched to further support the expansion of mobile phone banking services for rural banks and their clients utilizing the MABS-designed mobile phone banking applications that utilize the Globe Telecom�s electronic money platform - GCash. The new website is an online resource for mobile phone banking services and provides users with a directory listing all of the 287 accredited rural bank branches. The website also lists the rural bank registered merchants that accept mobile payments via GCash, allowing GCash users to easily locate merchants in their towns. Clients and merchants can now download the forms required for registration and access instructions and guidelines. Step-by-step instructions and requirements are also available to users of the new mobile phone banking services.

Bangko Kabayan Expands Microfinance Services Through RBAP-MABS Mobile Phone Banking and GCash

Microfinance Pacesetter
In 2001, Bangko Kabayan�s management decided to embark in microfinance and join the network of rural banks participating in the United States Agency for International Development (USAID)-supported, Rural Bankers Association of the Philippines Microenterprise Access to Banking Services (MABS) Program. MABS provides training and technical assistance to its participating rural banks to help them establish profitable and sustainable microfinance operations. They in turn, offer microfinance products to the still largely under served microenterprise sector.

Globe-MABS program catches Gates� attention

Ted Torres
Philippine Star

A microfinance project prepared by Globe Telecommunications Inc. (Globe) and a United States Agency for International Development (USAID) funded program has been selected for possible financial and technical assistance from Bill and Melinda Gates Foundation CGAP Technology Program.

Rural Banks and small business reap rewards of G-Cash

Note: Adobe Reader needed to view documents

Accreditation Forms
   ‣ AutoloadMax Retailers Survey Sheet
   ‣ Bank Application to Offer G-Cash Services
   ‣ G-Cash UAT Test Script
   ‣ GXI Bank Application Form
   ‣ GXI Batch Registration Form
   ‣ GXI-BPI Settlement Bank Agreement
   ‣ GXI CNDA
   ‣ GXI Implementing Agreement
   ‣ GXI Implementing Agreement Annex A
   ‣ GXI Implementing Agreement Annex B Complete
   ‣ GXI Implementing Agreement Annex B Part 1
   ‣ GXI Implementing Agreement Annex B Part 2
   ‣ GXI Implementing Agreement Annex C
   ‣ GXI List of Settlement Bank
   ‣ GXI Secretary Certificate
   ‣ TAP G-Cash Checklist of Requirements

Service Enrolment Forms
   ‣ Text-A-Deposit To Receive Form
   ‣ Text-A-Deposit To Send Form
   ‣ Text-A-Payment Enrollment Form
   ‣ Text-A-Withdrawal Form Authority to Debit

G-Cash Guide
   ‣ G-Cash Guide

Mobile Banking Guide
   ‣ G-Cash Driven Menu-Driven Interface Guide Version
   ‣ TAD-TAW Services - Depositor's Guide

Voter�s ID
Postal ID
Driver�s License
SSS ID
Passport
Company ID
PRC

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2/F RBAP Bldg A.Soriano Jr. Ave. corner Arzobispo St. Intramuros, Manila
Tel. No.: (632) 527-2972, 527-2968
Telefax: (632) 527-2980, 527-2969
Email: info@rbap.org

We would like to hear from you. Please send us your comments, suggestions and questions.

G-Cash Lends a hand to rural businesses

More and more people throughout the country are discovering the ease and convenience of M-Commerce through G-Cash. Microentrepreneurs, farmers, fishermen and rural communities can now enjoy wireless access to financial services thanks to the partnership between G-Xchange, Inc. (GXI), a wholly-owned subsidiary of Globe Telecom, and the Rural Bankers Association of the Philippines-Microenterprise Access to Banking Services (RBAP-MABS) Program.

Too busy to leave your work? Live too far away from your bank?

Pay loans, deposit, or withdraw from your bank account remotely using your cellphone!

Text-A-Payment

Text-A-Remittance

Text-A-Deposit

Text-A-Withdrawal

Text-A-BillPay

Text-A-Sweldo

Text-A-Credit

Still under development is the Text-A-Credit service. This service will allow the banks to release loans through their clients� mobile phone wallets. Banks may also allow pre-approved credit lines for their preferred clients which can be released using the G-Cash platform.

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Text-A-Sweldo

This mobile phone banking service also enables rural banks to provide payroll services to their own staff as well as support payroll services for local companies. This minimizes the risk and cost of handling large amounts of cash, preparing checks, and managing payroll servicing. With Text-A-Sweldo, rural banks can provide payroll services quickly and efficiently using the online WIRE service of Globe Telecom to upload payroll files and transmit employees� salaries directly to their mobile phone wallets allowing employees to pay bills, transfer money to their account, transfer funds to another person, buy goods and services from G-Cash-enabled merchants, or convert electronic cash to airtime load.

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Text-A-BillPay

The Text-A-BillPay (or Text-A-Bill Payment) service is designed for rural banks to facilitate bills payment for local utility companies (electricity, water and cable television), medium enterprises, and local schools. Consumers or customers of these registered enterprises can pay their bills using their mobile phones and pay directly to their local rural bank using G-Cash. Local utility cooperatives, hospitals, schools and other small and medium enterprises in the rural areas are the primary beneficiaries and can register directly with the rural banks for this service.

Requirements:

Globe and Touch Mobile subscribers
Download G-Cash Menu
No need to enroll to this service
Local Utility Company must have been activated by your nearest rural banks to accept G-Cash for payment

Procedure:
1. In your cellphone, select Globe Services (Glove Svcs+) Menu
2. Click on MyFavorites and select G-Cash
3. Enter 4-digit MPIN and click OK.
4. Enter the 11-digit MOBILE PHONE NUMBER (for G-Cash) of the Bank-Branch (where the utility maintained its deposit account) and click OK.
5. Enter the AMOUNT to pay for the bills
6. Then enter the following details as instruction in the optional message:

BPAY: (Institution Code) space (Acct Name) space (Acct Number)

Wherein:
BPAY:	= is the system indicator that determines the G-Cash received by the bank is for bills payment
Acct Name:	= is the subscriber�s account name
Acct Number:	= is the subscriber�s account number

Example:
	The institution name is LANECO (for Lanao Electric Cooperative) and the name of the subscriber is MICHAEL PEREZ and the subscriber account number is 155-67890

	The optional message should contain the following instruction:
	BPAY:LANECO MICHAEL PEREZ 155-67890

7. You will then receive a confirmation message with a transaction reference number. The bank that receives your G-Cash for bills payment will also receive a confirmation message with the same Transaction Reference Number.

Important:
Save/take note of the Transaction Reference Number found on the confirmation message. This will serve as your electronic receipt or evidence of payment. Bills Payment must be made before 3:00 PM. All payments received after cut-off time will be considered for next banking day transaction.

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Text-A-Withdrawal

With the Text-A-Withdrawal, rural banks can provide services to clients similar to automated teller machines (ATM), Point-of-Sale (POS), Phone Banking and Internet Banking integrated into one access channel and device�the mobile phone.

Banks that offer this service will just need to require clients to register their bank account(s) and sign a debit agreement. Through the Text-A-Withdrawal service, bank clients can virtually withdraw money from their account from anywhere, within banking hours, using their mobile phones. After receiving G-Cash from the bank, the client can convert G-Cash to cash at any accredited bank or G-Cash accredited cash-out merchant, pay bills using G-Cash, or buy goods and services at any merchant accepting G-Cash for payment.

Requirements:

Globe and Touch Mobile subscribers
Download G-Cash Menu
Enrollment to the Text-A-Withdrawal Service
With at least P1.00 of G-Cash remain in the G-Cash wallet

Procedures:
1. In your cellphone, select Globe Services (Glove SVcs+) Menu
2. Click on MyFavorites and select G-Cash
3. Enter 4-digit MPIN and click OK.
4. Enter the 11-digit MOBILE PHONE NUMBER of the Bank-Branch (where you have maintained your deposit account) and click OK.
5. Enter P1.00 of G-Cash as �Text Fee�
6. Then enter the following details as withdrawal instruction for the bank-branch in the Optional Message:

DAO:(Acct Name) space (Acct Number)space(Amount)

Wherein:
DAO	= is the system indicator that says �Debit Account Of� instructing the recipient the bank to debit/withdraw from deposit account (savings or current)
Acct Name:	= is the depositor�s name requesting amount of withdrawal transaction
Acct Number:	= is the savings or current account number of the depositor

Example:
	The depositor�s name is JOSE SANTOS and the savings account number is 567-890123 and the amount requested to withdraw is P5000 pesos.

	The optional message should contain the following instruction:
	DAO:JOSE SANTOS 567-890123 5000

8. You will then receive a confirmation message with a transaction reference number. The bank that receives your G-Cash withdrawal request will also receive a confirmation message with the same Transaction Reference Number.
9. The bank will send you your requested withdrawn amount in G-Cash form. You will receive a confirmation message indicating the amount of G-Cash you by the bank.

Important:
Save/take note of the Transaction Reference Number found on the confirmation message. This will serve as your electronic receipt or evidence of withdrawal. Withdrawal request must be received by the bank before 3:00 PM. Withdrawal request received after cut-off time will be considered for next banking day transaction.

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Text-A-Deposit

Depositing money to savings accounts is traditionally done through actual cash or check credited in favor of a certain bank account located in the same bank, or other banks through telegraphic transfer or inter-bank fund transfer arrangements. The Text-A-Deposit service removes boundaries and allows for remote, fast, and secure bank deposit services.

The MABS-designed Text-A-Deposit service allows bank clients to send electronic cash value via their mobile phone which is then immediately credited by the bank to the deposit account in a bank. The sender of electronic cash can be the owner of the account or a relative or friend with a G-Cash registered mobile phone. The deposit instructions are encrypted and password protected in the 70-character Optional Message field of the G-Cash transaction.

Recipients of electronic cash via the Text-A-Deposit service do not need to own a mobile phone. The sender only needs to indicate the bank account number in the Message field to signify his/her intention to have funds credited directly to the deposit account of the recipient. Through the confirmation message from Globe/G-Cash, the bank will identify the sender�s name, account number, account name and reference number including date and time of the transaction and will use this information for purposes of validation and recording Text-A-Deposit transactions.

Requirements:

Globe and Touch Mobile subscribers
Download G-Cash Menu
The G-Cash Recipient for deposit in the bank-branch must have an active, non-restricted deposit account (of any type: savings or current) account in the bank.
The Recipient of the G-Cash for deposit must enroll to the Text-A-Deposit Service

Sending G-Cash for Deposit Procedures:

1. In your cellphone, select Globe Services (Glove SVcs+) Menu
2. Click on MyFavorites and select G-Cash
3. Enter 4-digit MPIN and click OK.
4. Enter the 11-digit MOBILE PHONE NUMBER of the Bank-Branch (where the recipient maintained his/her deposit account) and click OK.
5. Enter the amount to be deposited to the recipient deposit account
6. Then enter the following details as deposit instruction for the recipient bank-branch in the Optional Message:

FAO: (Acct Name)space(Acct Number)

Wherein:
FAO	= is the system indicator that says �For the Account Of� instructing the recipient the bank to credit the G-Cash received
Acct Name:	= is the depositor/recipient�s name that will receive the G-Cash being sent by the sender
Acct Number:	= is the savings or current account number of the depositor/recipient

Example:
	The depositor/recipient�s name is JOSE SANTOS and the savings account number is 567-890123

	The optional message should contain the following instruction:
	FAO:JOSE SANTOS 567-890123

7. You will then receive a confirmation message. The bank who receives your G-Cash deposit will also receive a confirmation message with the same Transaction Reference Number.

Note:
If you don�t have a mobile phone, you can course through your G-Cash deposit through G-Cash accredited bank-branch (with Text-A-Deposit service available). Fill-up the form �To Send Form� and ask assistance from the bank-branch teller or cashier.

Important:
Save/take note of the Transaction Reference Number found on the confirmation message. This will serve as your electronic receipt or evidence of deposit. Deposit must be made before 3:00 PM. All deposit received after cut-off time will be considered for next banking day transaction.

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Text-A-Remittance

Cash-In and Cash-Out functions as remittance service in the rural banking industry offering a lower cost when compared with existing international and local Money Transfer services such as Western Union, Uniteller, Pera Padala, LBC and bank to bank fund transfers. Anyone who is a G-Cash registered Globe or Touch Mobile subscribers can send money through phone to phone in anytime of the day even on Sundays and Holidays. Other uses of Cash-In/Out service include facilitating cash management of the bank and inter-branch and inter-bank fund transfers.

Requirements:

Globe and Touch Mobile subscribers
Download G-Cash Menu
To Cash-In or Cash-Out, it needs a G-Cash outlets
Enrollment is no longer required for this service
To perform G-Cash transaction in other outlets other than the bank, please visit Globe Website at www.myglobe.com.ph

Cash-In Procedures:

1. Visit your nearest Rural Bank branch
2. Fill up the G-Cash Service Form and submit it to the teller/cashier along with valid ID for verification.
3. Pay Cash (Cash-In amount + applicable service fee) to the Cashier or Teller
4. Cashier or Teller will send you G-Cash to you or to the intended recipient equivalent to the Cash-In amount paid
5. Bank will receive a confirmation message. You or your recipient will also receive a notification message with the same reference number
6. Take official receipt (for the charges if applicable) and copy of the G-Cash service form from Bank

Cash-Out Procedures:
7. Visit your nearest Rural Bank branch
8. Fill up the G-Cash Service Form and submit it to the teller/cashier along with valid ID for verification.
9. Ask for mobile phone number of the bank-branch used for G-Cash transactions
10. Send your G-Cash to the MOBILE PHONE NUMBER given by the Cashier or Teller
11. Cashier or Teller will pay you Cash (Cash-out amount less applicable service charge) to you
12. You receive a notification message. Bank will also receive a confirmation message with the same reference number.
13. Take official receipt (for the charges) and copy of the G-Cash service form from Bank

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Text-A-Payment

The Text-A-Payment service is an innovative mobile technology product that uses the SMS technology to allow microborrowers to make microfinance loan payments. New, existing and repeat borrowers can utilize the service for payments of their loans.

Rural bank clients only need to enroll at their bank branch, register their mobile phone with Globe�s G-Cash service, and then easily load their mobile wallet at any G-Cash Cash-In center or re-seller. After doing all these, bank clients can conveniently remotely send their loan payment to the bank without incurring the time and expense associated with traveling to a rural bank to make a loan payment. The borrower can pay the loan without leaving the business.

Requirements:

Globe and Touch Mobile subscribers
Download G-Cash Menu
Must be a borrower of the bank with outstanding loan account
Enrollment to the Text-A-Payment Service

Payment Procedures:
1. In your cellphone, select Globe Services (Glove Svcs+) Menu
2. Click on MyFavorites and select G-Cash
3. Enter 4-digit MPIN and click OK.
4. Enter your 4-digit MPIN and you will see a masked characters represented by an asterisk (*)
5. Enter the 11-digit MOBILE PHONE NUMBER (for G-Cash) of the Bank-Branch (where you have a loan) and click OK.
6. Enter the AMOUNT to pay
7. Then enter the following details as instruction in the optional message:

LPAY:(Acct Name)space(Acct Number)

Wherein:
LPAY :	= is the system indicator that determines the G-Cash received by the bank is for loan payment
Acct Name:	= is the borrower name
Acct Number:	= is the loan account number

Example:
	The borrower�s name is JOSE REYES and the loan account number is 123-456789

	The optional message should contain the following instruction:
	LPAY:JOSE REYES 123-456789

8. You will then receive a confirmation message. The bank who receives your G-Cash transfer will also receive a confirmation message with the same Transaction Reference Number.

Important:
Save/take note of the Transaction Reference Number found on the confirmation message. This will serve as your electronic receipt or evidence of payment. Borrower�s Payment must be made before 3:00 PM. All payments received after cut-off time will be considered for next banking day transaction.

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19. I did not receive any confirmation/notification message of my G-Cash transaction with the bank?

Note of the Date of Time from your last transaction inquiry.
If found to be complete, report the incident to the bank and verify if they have received the notification message.
If they did receive a notification message then note the trace number or call Globe�s Customer Service. Provide customer service with the date, time, and the amount of your transaction.
Call Globe Customer Service for any discrepancies noted:

•Metro Manila landline	(02) 739-2882
•Toll free from any globe line	1800-8-2882882
•Cellphone with Globe SIM	2882

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18. I don�t have signal in my cellphone?

If you are enrolled in any mobile banking services of the rural bank, call your Rural Bank via landline and report the incident.
You or the bank may perform other ways of serving you.

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17. I lost my phone? Did I lose my G-Cash too?

The answer is NO. But you have to do the following:

Call Globe Customer Service to report the lost of your cellphone. Metro Manila landline (02) 739-2882 Toll free number from any globe line 1800-8-2882882. From any Cellphone with Globe SIM and dial 2882
Specify that you have a G-Cash Wallet and you want it blocked/suspended.
Go to any Globe Business Center and present a valid ID to the frontliner to unblock the access and claim your G-Cash.
The frontliner will ask you several questions for validation. After successfully answering the questions, you may cash out your G-Cash wallet or transfer the balance to a new SIM.M

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15. How can someone from overseas send G-Cash to someone in the Philippines?

Go to any Authorized International G-CASH Outlet that accepts Cash-in transactions.
Fill up a Globe G-Cash Service form.
Pay the processing fee.
Present a Valid I.D.
Pay the processing fee to the frontliner.
Frontliner will send the G-CASH to your beneficiary and give an Account Receipt of the transfer and an Official Receipt of the processing fee.
Beneficiary will receive G-CASH and a text confirmation of the transaction.

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14. How do I change my M-PIN?

Go to G-Cash Menu (Globe Svcs+ > MyFavorites > G-Cash)
Select Others
Enter your Old M-PIN
Enter your New M-PIN
You will receive a message indicating that you have successfully changed your MPIN

You can also change your M-PIN using Text-Based:

Send CHG(space)(Old M-PIN)(space)(New M-PIN) to 2882
Ex: CHG 1234 3421

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13. How do I inquire my G-Cash balance?

Go to G-Cash Menu (Globe Svcs+ > MyFavorites > G-Cash)
Select Balance
Enter your M-PIN
You will receive a message indicating your G-Cash balance

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11. How much G-Cash can I store in my cellphone?

Maximum amount you can store in your G-Cash wallet is P40,000.
Accredited G-Cash merchants, however, have higher wallet limits depending on their merchant application.

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9. How Do I Send G-Cash to Someone?

You can only send G-Cash to Globe or TM subscribers in the following manner.

1. Scroll down and look for Send G-Cash click it.

2. Enter 4-digit MPIN and click OK.

3. Enter your 4-digit MPIN and you will see masked characters represented by asterisks (*).

4. Enter 11-digit Mobile phone number of the recepient and click OK.

5. Enter the Amount of G-Cash Value to transfer/send.

6. Enter 70-Character optional message that can be used for some instructions.

Both you (the sender) and the recipient receive Confirmation Message bearing the same transaction reference number, the amount sent and received, date and time.

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8. How do I load G-Cash into my phone?

Go to your nearest Rural Bank or Globe Business Center
Fill up the Globe G-Cash Service Form
Show required identification to frontliner
Give the frontliner the cash plus the processing fee and bank will send the G-Cash to your mobile phone number directly.

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5. How Do I Activate My G-Cash Service?

1. In your cellphone's SIM, go to
Globe Services Menu and
click it.

    2. Scroll down and look for
        myFavorites Menu item and
        click it.

3. Scroll and look for G-Cash Menu
and click it.

4. Scroll down and look for
Register, click it.

5. Nominate 4-digit MPIN to
secure your G-Cash acct
and click OK.

6. Enter your 4-digit MPIN and you will
see masked characters represented
by an asterisk (*)

7. Enter the Complete Maiden
Name of your mother (up to
16 characters) and click OK.

8. Enter First Name (up to 20
characters) and click OK.

9. Enter Last Name (up tp 20 characters)
and click OK.

10. Enter your complete address
(up to 40 characters) and click
OK.

11. Enter Telephone Number
with area code (up to 11 characters)
and click OK.

12. You will receive a confirmation
message after sending.

You will then receive an acknowledgement notice of the successful registration.

Also, it is important that you register your real name and details as the information will have to match your I.D. The information will be used for verification by Customer Service for any G-Cash inquiries or transactions.

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6. How Do I Access the G-Cash Menu?

1. In your cellphone's SIM,
Go to Globe Services
Menu and Click it.

2. Scroll down and look for myFavorites
Menu and Click it.

3. Scroll down and look for G-Cash Menu
and click it.

4. Scroll down and select desired Transaction from Displayed options

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4. How do I download the G-Cash Menu?

1. In your phone's SIM, go to Globe
Services Menu and click it.

2. Scroll down and look for myFavorites Menu and Click it.

3. Click on AddFavorites

4. Click on Money and wait for 10 seconds as your cellphone starts to
connect to the Globe System

5. Click on G-Cash to download
G-Cash menu into your cellphone's SIM

6. Once download is complete, you will receive this message.

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3. What is G-Cash?

G-Cash is a Globe service that turns your cellphone into an electronic wallet. With G-Cash, you can easily and conveniently:

send money both here and abroad
receive G-Cash and exchange it for cash
make payments
shopping
transfer money from one cellphone to another

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Background on Mobile Phone Banking and Mobile Commerce Initiative

In 1998, with support from the United States Agency for International Development (USAID) the Rural Bankers Association of the Philippines launched the Microenterprise Access to Banking Services (MABS) program with technical assistance and implementation provided by Chemonics International. This initiative is designed to accelerate national economic transformation in partnership with the Philippine rural banking industry to significantly expand access to financial services for microentrepreneurs and other lower income groups. The MABS Program provides training and technical assistance to participating rural banks in the Philippines to develop their capacity to profitably provide financial services, including loans, deposits, and money transfer services to microenterprises in the Philippines. Since 1998, the MABS Program has helped more than 330 rural banks/branches expand their services and outreach throughout the Philippines.

Since 2004, the MABS Program has partnered with G-XChange, Inc. (GXI), a wholly owned subsidiary of Globe Telecom, in the development and implementation of mobile phone banking applications and mobile commerce services for rural banks and their clients. Approved by the Bangko Sentral ng Pilipinas (BSP), rural banks can now offer electronically-driven financial services in the comfort of their homes, business or offices. These services include Text-A-Payment (TAP) for loan payment, Text-A-Remittance (TAR) to transfer money locally and abroad, Text-A-Deposit (TAD) for remote deposit mobilization, and Text-A-Withdrawal (TAW) whereby clients can withdraw electronic money directly from their savings account to their mobile wallet.

The banks and their clients are finding that mobile phone banking offers significant benefits in terms of reduced costs, security and convenience in accessing financial services, and expanding business opportunities.

Mobile phone banking offer other advantages for the bank: it improves transparency of financial transactions, helps control fraud, and reduces errors associated with cash transactions. Rural banks can also provide payroll processing services for small businesses enabling employees to receive their salaries via their mobile phone wallets. For the clients, using mobile phone banking turns their phone into a virtual ATM on the palm of their hands. Convenience and lower transaction costs are what the clients experience when they use their mobile phones and GCash to receive loans, make payments and deposits, withdraw funds from their deposit accounts, receive money from relatives and friends, and even buy and sell goods remotely.

As Accredited Rural Bank

Requirements:

Must be an RBAP member Bank
Attended to RBAP mobile banking training
CAMELS rating of at least 3.0
Certified results of Users� Acceptance Test (UAT)

Accreditation Procedure:
a) Download the accreditation forms and documents from this website
b) Submit the following accreditation forms and requirements to RBAP:

BSP Requirements:

Bank Application to Offer G-Cash Services (filled-up and signed, Certified by the President of the Bank and Notarized)
Users Acceptance Test (UAT) Result

GXI Requirements:

Implementing Agreement (all pages must be signed)
Non-Disclosure Agreement with Terms and Conditions (all pages must be signed)
Annexes to the Implementing Agreement (all pages must be signed)
Attach the following documents:

            ‣ Bank Application Form (filled-up and signed)
            ‣ Batch Registration File (filled-up and signed)
            ‣ Articles of Incorporation (photocopy)
            ‣ By-Laws and SEC registration (photocopy)
            ‣ Secretary�s Certificate or Board Resolution indicating authorized signatories for G-Cash transactions                (filled-up and Signed)
            ‣ Latest Income Tax Return � Company ITR (photocopy)
            ‣ Latest Audited Financial Statements (photocopy)
            ‣ Settlement Bank Agreement-BPI Account � if BPI is the settlement bank (filled-up and signed)

  Globe Telecom Requirements (for mobile phone line subscription):

Mobile Service Agreement � MSA Form (filled-up and signed)
Any billing sent in the company/bank name � at least 2 months from the date of submission (photocopy)
Any Valid ID of the authorized representatives indicated in the secretary�s certificate (photocopy)

c) Perform Users� Acceptance Test (UAT) procedures within 30 days from the date of activation of your G-Cash wallet
d) Submit UAT Result to RBAP

Insert Title Here

Philippine regulatory approach provides exemplary m-banking model

16. What number can I call for G-Cash service concerns?

2. What is electronic money?

1. What is mobile phone banking?

Sample Map

Text-A-Payment

Mobile Banking Conference at Chemonics International

Cell phones double as electronic wallets in Philippines

A bank in every pocket?

Microfinance lenders are getting the message

Sending Money via Mobile Phones in the Philippines

Text-A-Payment for M-Commerce

Mobile Phone Banking and Mobile Commerce Solution

12. What is the maximum/minimum amount I can send or receive?

10. How do I convert my G-Cash into cash?

7. What is Cash-In and Cash-Out?

RP Mobile Phone Banking Catches Global Attention

Philippine Rural Banking Goes Mobile with GCash

RBs Initiate Text Payments, Withdrawals

Website Launched for Mobile Phone Banking Clients of Rural Banks

Bangko Kabayan Expands Microfinance Services Through RBAP-MABS Mobile Phone Banking and GCash

Globe-MABS program catches Gates� attention

Rural Banks and small business reap rewards of G-Cash

Contact Form

G-Cash Lends a hand to rural businesses

Text-A-Credit

Text-A-Sweldo

Text-A-BillPay

Text-A-Withdrawal

Text-A-Deposit

Text-A-Remittance

Text-A-Payment

19. I did not receive any confirmation/notification message of my G-Cash transaction with the bank?

18. I don�t have signal in my cellphone?

17. I lost my phone? Did I lose my G-Cash too?

15. How can someone from overseas send G-Cash to someone in the Philippines?

14. How do I change my M-PIN?

13. How do I inquire my G-Cash balance?

11. How much G-Cash can I store in my cellphone?

9. How Do I Send G-Cash to Someone?

8. How do I load G-Cash into my phone?

5. How Do I Activate My G-Cash Service?

6. How Do I Access the G-Cash Menu?

4. How do I download the G-Cash Menu?

3. What is G-Cash?

Background on Mobile Phone Banking and Mobile Commerce Initiative

As Accredited Rural Bank