Our valued customers may now cash in via direct bank transfers. Coins.ph offers a convenient way to cash in through direct bank transfers, allowing users to fund their accounts quickly and securely.
Available Options
You can cash in via direct transfer using the following methods:
-
Intrabank Transfers (PHP only)
- UnionBank
- Sterling Bank
- Security Bank
- China Bank
-
Interbank Transfers via:
- InstaPay/PESONet
- RTGS (Real-Time Gross Settlement)
Fees
- Intrabank (same bank to bank) transfers are free of charge (PHP 0 fees).
- Interbank transfer fees vary depending on your sending bank or e-wallet.
Important Notes
- Only initiate transfers from your personal bank account; third-party deposits will not be accepted.
- Methods such as ATM deposits, check deposits, and cash deposits are not valid for cashing in.
How to Cash In via Direct Transfer
On the Coins App
1. From the Home page, click the Deposit button and select Cash In.
2. Choose your preferred bank (UnionBank, Sterling Bank, Security Bank or China Bank) for Direct Transfer and input all required details.
3. Make sure to transfer the exact amount you indicated on your cash in to the bank account shown on the instructions.
- Minimum transfer amount: PHP 100,000
- Maximum amount: Subject to your sending bank limits and account limits. See your available cash in limits here or on your Account Limits page.
4. Once done with your deposit transaction on your sending bank, click Confirm Cash in.
5. Submit your receipt on the next tab. Kindly provide your Bank Reference no. (optional) and Receipt, then click Submit.
6. A notification will be sent to your Coins.ph registered email address once processing is complete.
On the Coins Website
1. Go to the Portfolio tab, then click the three dots beside your Peso (PHP) balance and choose Cash In.
2. Choose your preferred bank (UnionBank, Sterling Bank, Security Bank or China Bank) for Direct Transfer and input all required details.
3. Make sure to transfer the exact amount you indicated on your cash in to the bank account shown on the instructions.
- Minimum transfer amount: PHP 100,000
- Maximum amount: Subject to your sending bank limits and account limits. See your available cash in limits here or on your Account Limits page.
4. Once done with your deposit transaction on your sending bank, click Confirm Cash in.
5. Submit your receipt on the next tab. Kindly provide your Bank Reference no. (optional) and Receipt, then click Upload receipt.
6. A notification will be sent to your Coins.ph registered email address once processing is complete.
Processing Time
Direct transfer cash ins are available during the Business Hours of 9:00 am to 6:00 pm on weekdays (not including holidays).
Processing will take 2-3 hours within business hours. Any transfer made past 6:00 pm on a weekday, as well as weekends and holidays will be processed on the next banking day.
Third Party Deposits
Please know that third party deposits (ATM deposits, check deposits, cash deposits, etc.) and any other types of deposits where the sender does not share the same credentials as the recipient will not be accepted.
Coins.ph will only credit direct cash ins where the sender's name matches their Coins.ph account name. To ensure your funds are credited without any issues or delays, please initiate all bank transfers from your personal bank account.
Frequently Asked Questions
Why wasn't my transfer credited?
Common reasons include:
- Transfer made outside business hours
- Sender name doesn't match Coins.ph account
- Third-party transfer attempted
- Incorrect amount transferred
Always make sure to proceed with the Confirm Cash In and Upload Receipt steps to ensure proper crediting of your direct transfer.
What other outlets can I use for my cash in?
Other available methods for transferring funds to your Coins.ph account include InstaPay, PESONet and Remittance Centers. Refer here for the complete list.