How long does GCash have to refund a wrong or unauthorized transfer?
There is no single BSP-wide number of days fixed for the refund of a wrong or unauthorized e-wallet transfer — the deadline is the turnaround the provider publishes in its own Financial Consumer Protection Assistance Mechanism (FCPAM). GCash (operated by G-Xchange, Inc.) and Maya are electronic money issuers supervised by the Bangko Sentral ng Pilipinas, so RA 11765 (Financial Products and Services Consumer Protection Act, 2022) and its implementing BSP Circular 1160 (2022) require them to receive your dispute, investigate, and act within that published period. If the provider fails to resolve it, you escalate to the BSP Consumer Assistance Mechanism (BSP-CAM) under BSP Circular 1169 (2023). LabanPH's rule of thumb: report inside the app the moment you notice, in writing, so the clock starts and the funds can be held before the recipient withdraws them.
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