Coins.ph offers multiple instant and standard cash-in options to help you easily fund your PHP wallet or crypto balance. You can add funds via local bank transfers, e-wallets, over-the-counter remittance centers, or international channels.
Overview of Cash-In Methods
Channel |
Supported Outlets / Networks |
Processing Time |
Key Limits & Notes |
|---|---|---|---|
| InstaPay | BPI, BDO, GCash, Maya, UnionBank, GoTyme, SeaBank, and 70+ banks/e-wallets | Instant (< 10 mins) | Max ₱50,000 per transfer transaction |
| PESONet | LANDBANK, Metrobank, Security Bank, PNB, RCBC, and 100+ clearing banks | Same-day / Next business day | Ideal for high-value transfers above ₱50,000 |
| Remittance Outlets (Dragonpay) | Cebuana Lhuillier, M Lhuillier, Palawan Pawnshop, Pera Hub, Villarica Pawnshop | Near-instant to 1 hour | Over-the-counter payment via reference number |
| Direct Transfer / Wire | UnionBank, Sterling Bank, Security Bank (Intrabank, RTGS) | Real-time to same-day | PHP direct bank transfers only |
| Crypto Deposit (International) | BTC, ETH, USDT, and 100+ supported tokens via blockchain networks | Network confirmation dependent | Best option for international users to cash in abroad |
Important: Coins.ph strictly does not accept check deposits, wire deposits, or non-cash deposits. Any unsolicited check or paper deposits will be rejected per our User Agreement. Always check the Coins.ph Status Page for real-time channel availability.
International Cash-In Options
If you are located outside the Philippines, you can fund your Coins.ph account using the following methods:
- Crypto Deposits (Recommended): Buy crypto (e.g., USDT, BTC, ETH) using a local exchange in your country, transfer the tokens to your Coins.ph wallet address, and convert them to PHP within the app.
- International Remittance Partners: Use online remittance providers (such as Western Union or Remitly) that support direct e-wallet transfers to Coins.ph / DCPay Philippines.
- Philippine Online Banking Abroad: If you maintain a personal Philippine bank account while overseas, use InstaPay or PESONet via your bank's mobile app to transfer funds directly to Coins.ph.
Supported Cash-In Outlets Directory
| InstaPay | |
|---|---|
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| PESONet | |
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Frequently Asked Questions
1. When will I receive my cash-in via InstaPay?
InstaPay transfers are processed in real-time. If your cash-in is not credited to your Coins.ph account balance within 10 minutes, please submit a ticket with your transaction reference number for support assistance.
2. Can I exceed the ₱50,000 daily limit on InstaPay?
Individual InstaPay transfers are capped at ₱50,000 per transaction by banking network policy. However, you can make multiple InstaPay transfers up to your account level's daily deposit limit. For single transfers above ₱50,000, consider using PESONet or direct bank transfers.
3. What fees are charged for cash-in transactions?
Cash-in fees vary depending on the selected partner outlet or channel. Sending banks or e-wallets may charge standard InstaPay/PESONet transfer fees. You can view the complete fee schedule under our official Fee Directory.
4. Can I cash in using an international phone number?
Yes, accounts registered with international phone numbers can receive crypto deposits, direct bank transfers, or international remittances. However, local Philippine e-wallet or banking apps may require a Philippine mobile number for local transfer verification.