Guide

GCash & Maya safety tips

Your e-wallet is your money — protect it. Simple habits that stop the most common attacks on GCash and Maya.

Back to Scam Education

E-wallets made paying easy for everyone, including scammers. The good news: almost every GCash/Maya scam relies on you sharing something you should never share, or trusting a screen you should always double-check. Master a few habits and you close those doors.

Never share these — not with anyone

GCash and Maya will never ask for your MPIN, OTP, or password — not by call, SMS, email, or chat. Anyone who does is a scammer, even if they sound official or know your name.

Warning signs
  • Anyone asking for your OTP, MPIN, or password
  • A “support agent” who called you (real support doesn’t cold-call)
  • “Verify your account” or “claim your refund” links
  • Someone telling you to install AnyDesk/TeamViewer to “fix” your account

Lock down your account

  1. 1Turn on biometrics or a strong, unique MPIN in the app.
  2. 2Use a different password for your wallet email than for anything else.
  3. 3Enable login/transaction notifications so you catch anything instantly.
  4. 4Keep your number registered to you and report sudden loss of signal (possible SIM-swap).
  5. 5Never save your MPIN in notes, photos, or autofill.

Before you send money to a seller

Most marketplace losses happen at the “send” screen. Slow down for ten seconds.

“You are sending ₱3,500 to JUAN D******Z. Confirm?”
Always check this name matches the actual seller before tapping confirm.
What to do instead
  • Read the recipient name on the confirmation — it must match the real seller
  • Be suspicious if the account name is random or doesn’t fit the business
  • For QR payments, confirm whose account the QR belongs to before you confirm
  • Run the number through TsekMuna first

Watch out for QR-swap scams

In stores or with sellers, a scammer may paste their own QR over the real one so your transfer lands in their account.

Warning signs
  • Printed QR looks pasted over or out of place
  • The name on your confirmation isn’t the store/seller
  • Staff can’t explain whose account the QR belongs to
What to do instead
  • Always verify the recipient name before confirming
  • When unsure, ask for the official QR or pay in cash

If your wallet is compromised

  1. 1Open the official app and change your MPIN immediately.
  2. 2Report to GCash (Help Center → report) or Maya (Report a problem) and ask to freeze the account.
  3. 3Change the password on the email linked to your wallet.
  4. 4Dispute any transactions you didn’t authorize.
  5. 5If you shared an OTP or installed a remote-access app, uninstall it and assume the account is exposed until secured.
  6. 6File a report with the PNP-ACG or NBI Cybercrime Division for significant losses.

Speed is everything. The faster you report a compromised wallet, the better the chance of a freeze before funds are cashed out.

Related guides

Not sure about a specific message or seller?