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GCash vs MoMo
GCash and MoMo are both payment receiving platforms. On a $1,000 payment you keep about $980 on GCash and $1,000 on MoMo, before withdrawal or currency-conversion costs.
Updated · from each platform’s published fees and payout terms · how we verify
Key differences
- On a $1,000 payment you keep about $980 on GCash and $1,000 on MoMo, before withdrawal or currency-conversion costs.
- Both pay out via Bank transfer. Only GCash offers Cash agents.
- GCash is the older platform — founded in 2004, 10 years before MoMo (2014).
- GCash is based in Philippines, MoMo in Vietnam.
Which should you choose?
Choose GCash if…
- You want to withdraw via Cash agents.
- You prefer a long track record (since 2004).
Choose MoMo if…
- Keeping more of each payment matters most — its fee is lower.
Side by side
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GCash
The Philippines dominant mobile wallet - receive payments by number or QR, with bank cash-out and heavy freela…
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MoMo
Vietnam leading e-wallet where individuals and merchants receive payments by QR.
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|---|---|---|
| Type | Payment receiving like Payoneer | Payment receiving like Payoneer |
| Category | Payments | Payments |
| Vetted | No | No |
| Work from home | Yes | No |
| Fees | Free in-app transfers, ~2% agent cash-out | Free P2P, 3 free bank withdrawals/month |
| Withdraw via | Bank transfer, Cash agents | Withdrawal to linked bank account |
| Availability | Philippines | Vietnam |
| Local to | Philippines | Vietnam |
| Founded | 2004 | 2014 |
| Headquarters | Taguig, Philippines | Ho Chi Minh City, Vietnam |
| Popularity | 43 views · 0 likes | 46 views · 0 likes |
Frequently asked questions
Which is cheaper, GCash or MoMo?
On a $1,000 payment you keep about $980 on GCash and $1,000 on MoMo, before withdrawal or currency-conversion costs.
Where are GCash and MoMo available?
GCash: Philippines. MoMo: Vietnam.