How can I cash in via PESONet?

Planning to cash in a large amount? With PESONet, you can reliably transfer funds to your Coins.ph account from your personal bank account or another e-wallet.

What is PESONet?

PESONet (Philippine EFT System and Operations Network) is a fast, secure way to transfer money between banks, e-wallets, and mobile money accounts in the Philippines. Made under the NRPS by Bangko Sentral, it's your go-to for convenient, reliable electronic cash!

Which banks can I use to cash in through PESONet?

At the moment, these banks have listed DCPAY PHILIPPINES INC (COINS.PH) as one of their receiving banks:

Al-Amanah Islamic Bank
AllBank (A Thrift Bank), Inc.
ANZ Banking Group Ltd.
Asia United Bank
Bangko Kabayan
Bangko Mabuhay
Bangko Nuestra Señora Del Pilar
Bangkok Bank - Manila Branch
Bank of America, N.A. - Manila Branch
Bank of China
Bank of Commerce
Bank of Florida
Bank of Makati
BanKo, A subsidiary of BPI
BDO
Binan Rural Bank
BPI
Camalig Bank
Cantilan Bank
Cathay United Bank - Manila Branch
China Bank
China Bank Savings
CIMB Bank Philippines
Citibank, N.A. - Manila Branch
Coopbank of Quezon Province
CTBC Bank (Philippines) Corp.
Deutsche Bank AG - Manila Branch
Development Bank of the Philippines
Dumaguete Bank
Dungganon Bank
EastWest Bank
Equicom Savings Bank
First Consolidated Bank
GCash
Guagua Rural Bank
HSBC
HSBC Savings Bank
Industrial Bank of Korea - Manila
INNOVATIVE BANK, INC.
JP Morgan Chase Bank, N.A - Manila Branch
KEB Hana Bank – Manila Branch
Laguna Prestige Bank
LANDBANK / OFBank
Malayan Bank Savings
Maya Bank
Maya Wallet

Maybank
Mega Int'l Commercial Bank - Manila Branch
Mizuho Bank, Ltd. - Manila Branch
Money Mall Rural Bank, Inc.
MRBI
MUFG Bank, Ltd. - Manila Branch
Netbank
NRBSL
PBCOM
Philippine Trust Company
Philippine Veterans Bank
PNB
Porac Bank
Producers Savings Bank Corporation
PSBank
Queenbank
Rang-Ay Bank
RBT Bank
RCBC / Diskartech
Robinsons Bank
Rural Bank of Bacolod City
Rural Bank of Bauang
Rural Bank of Digos
Rural Bank of Guinobatan
Rural Bank of La Paz
Rural Bank of Lebak
Rural Bank of Montalban
Rural Bank of Rosario (La Union)
Rural Bank of Sagay
Rural Bank of Sta. Ignacia
Seabank
Security Bank
Shinhan Bank - Manila Branch
SMBC - Manila Branch
Standard Chartered Bank
Sterling Bank of Asia
TayoCash
Tonik Bank
Union Bank of the Philippines
UnionDigital Bank
UNOBank
USSC
Wealth Bank
Yuanta Bank

NOTE: If your bank enables transfers via PESONet but is not in the list above, you may contact your bank’s customer support and request to add DCPay Philippines Inc./Coins.ph in their Receiver list.

Before cashing in, make sure your Coins.ph account:

Is at least ID and selfie verified
Has a verified mobile number linked

If your Coins.ph account meets the requirements above, here's how you can proceed with cashing in through PESONet:

1. Send a fund transfer via PESONet by logging into your personal online banking account. There is no need to create a cash in order through the Coins.ph app before making a transfer.

2. Input your Coins.ph account details to proceed with the transfer:

- Bank: DCPay Philippines Inc. (COINS.PH)
- Account Name: Your Coins.ph registered Account Name
- Account Number: Your Coins.ph Registered Mobile Number
  - Tip: You may view these details in the sidebar menu of the Coins.ph app. See article here for a step-by-step guide.

3. Once your fund transfer via PESONet is cleared, the fund will be credited to the Coins.ph Wallet linked to the mobile number provided

NOTE: Your Coins.ph cash in limits will still apply. If a customer is about to reach his/her cash in limits for the day or month, the fund transfer to DCPay Philippines/Coins.ph will be rejected and the refund should be issued by the sending bank on the same banking day.

When will I receive my cash in via PESONet?

Cut-off time for PESONet transfers depends on the sending bank. All transfers which did not reach the banks' cut-off time (including transfers made during the weekend and holidays) will be processed the next banking day.

How much are the fees for cash ins via PESONet?

Coins.ph will not be charging fees a cash in via PESONet. However, note that it would depend on your sending bank, and as such, charges via PESONet may vary per bank. The fee would be deducted from the sender's bank account.

What is the minimum and maximum amount I can cash in via PESONet?

The minimum and maximum amount would depend on the ff:

Minimum - Banks have set their own minimum amount for each transfer. The exact amount sent from your personal banking account (minus fees) will reflect on your Coins.ph wallet once your PESONet transaction has cleared.
Maximum - The maximum amount you may transfer to your Coins.ph wallet through PESONet would follow your cash in limits (read more here).

NOTE: You may initiate multiple PESONet cash ins as long as it is within your Coins.ph cash in limits.

What if I entered an incorrect account number for my PESONet cash in?

Please be informed that all funds transferred via PESONet are considered final. With this, customers must exercise extreme care in providing the recipient information and amount to be transferred. The amount will be credited to the recipient information provided.

In the event that you provided the wrong account number, a request for recovery will be on a best-effort basis subject to the account holder's consent as well as the beneficiary institution's internal policies on recovery. These will be taken into consideration: (1) availability of credited funds; (2) beneficiary account holder's consent to be debited; and (3) turnaround time. Returned funds may be subject to service fees for the recovery.

For more information on PESONet, you may visit their website.

For any issues or concerns with your transaction, you may reach out to our support team through the Coins app or Coins Support Form.

For real-time updates on this outlet, please check our Status Page.