← Back to GCash
Compare
GCash vs OPay
GCash and OPay are both payment receiving platforms. On a $1,000 payment you keep about $980 on GCash and $995 on OPay, 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 $995 on OPay, before withdrawal or currency-conversion costs.
- Both pay out via Bank transfer. Only GCash offers Cash agents. Only OPay offers agent cash-out and card/ATM.
- GCash is the older platform — founded in 2004, 14 years before OPay (2018).
- GCash is based in Philippines, OPay in Nigeria.
Which should you choose?
Choose GCash if…
- You want to withdraw via Cash agents.
- You prefer a long track record (since 2004).
Choose OPay if…
- Keeping more of each payment matters most — its fee is lower.
- You want to withdraw via agent cash-out and card/ATM.
Side by side
|
GCash
The Philippines dominant mobile wallet - receive payments by number or QR, with bank cash-out and heavy freela…
Visit
|
OPay
A Nigerian fintech where individuals and merchants receive payments and transfer money.
Visit
|
|
|---|---|---|
| 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 | ~NGN 10 per transfer, ~0.5% agent withdrawal |
| Withdraw via | Bank transfer, Cash agents | Bank transfer, agent cash-out, card/ATM |
| Availability | Philippines | Nigeria |
| Local to | Philippines | Nigeria |
| Founded | 2004 | 2018 |
| Headquarters | Taguig, Philippines | Lagos, Nigeria |
| Popularity | 41 views · 0 likes | 40 views · 0 likes |
Frequently asked questions
Which is cheaper, GCash or OPay?
On a $1,000 payment you keep about $980 on GCash and $995 on OPay, before withdrawal or currency-conversion costs.
Where are GCash and OPay available?
GCash: Philippines. OPay: Nigeria.