A new feature inside the GCash app is quietly changing how Filipinos invest. In partnership with the Bureau of the Treasury (BTr) and PDAX, GCash now offers direct access to GBonds—allowing anyone to invest in government securities with as little as ₱500.
For those already fully verified on GCash (meaning your identity verification is up to date within the last three years), it’s a straightforward process:
- Open the GCash app
- Tap GInvest
- Select GBonds
- Register with PDAX
If you’re not verified yet, the app will walk you through the steps: enter your personal details, upload a valid ID, and take a selfie. Once verified, you can start investing immediately.
What Are GBonds—and Why Do They Matter?
Government bonds are a low-risk way to grow your money. When you buy a bond, you’re essentially lending money to the government. In return, you receive regular interest payments and your full investment back at the end of the bond’s term.
For example, investing ₱10,000 in a 12-month bond with a 6% interest rate means you’ll earn ₱600 in interest by the end of the year. That’s ₱10,600 returned to you upon maturity.
Last year, the Philippines took a step into the future by launching blockchain-tokenized treasury bonds via PDAX, making investing even more accessible. These digital bonds carried interest rates of up to 6.2% and were available for just ₱500. More recently, the government raised over $10 billion through retail treasury bonds—its largest bond offering to date.
With tools like GBonds on GCash, the gap between everyday users and government-backed investments continues to narrow. No banks. No brokers. Just a few taps.
Learn more about GBonds here: https://help.gcash.com/hc/en-us/sections/48140382392473-GBonds
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