Filbet Over-the-Counter Cash Agents — Limits, Fees & Settlement
Over-the-Counter Cash Agents is a Philippine payment rail — regulation: Bangko Sentral ng Pilipinas treats these as money service businesses, and the Anti-Money Laundering Act extends to them as well.
- Operator
- Several independently owned agent networks, each with its own separate BSP accreditation, stand in for a single operator here
- Regulator
- Bangko Sentral ng Pilipinas treats these as money service businesses, and the Anti-Money Laundering Act extends to them as well
- Settlement
- immediately, in person, is how counter cash changes hands, while crediting the linked wallet ranges from minutes to the same day, depending on the receiving institution
- Figures as of
- 2026-09
Wallet limit: not published.
Per-transaction cap: not published.
Over-the-Counter Cash Agents, the payment rail, are what this page covers. Operator-specific cashier detail is absent by design; the final section gives the reasoning.
Over-the-Counter Cash Agents, the short version
| Field | Value |
|---|---|
| Operated by | Several independently owned agent networks, each with its own separate BSP accreditation, stand in for a single operator here — Palawan Pawnshop, Cebuana Lhuillier, M Lhuillier and Philippine Seven Corporation’s CliQQ counters in 7-Eleven, all contracted individually by wallets and billers |
| Regulated by | Bangko Sentral ng Pilipinas |
| Wallet limit | Not applicable to this rail |
| Per-transaction cap | Not applicable to this rail |
| Settlement | immediately, in person, is how counter cash changes hands, while crediting the linked wallet ranges from minutes to the same day, depending on the receiving institution |
| Published fees | Not published |
A rail-wide fee can’t exist without a rail, and there isn’t one — rates are fixed separately by each agent network and each receiving wallet. Free until PHP 8,000 and 2 per cent thereafter, this OTC schedule is a GCash charge, and attributing it to Cebuana Lhuillier, M Lhuillier or Palawan would be wrong since none publishes a comparable consumer schedule.
The numbers on this page are a fixed snapshot from 2026-09. Providers change limits and fees whenever they like; the live number lives on the provider’s page and nowhere else.
Verification tiers
Nothing published sets out verification tiers for Over-the-Counter Cash Agents, and the section stays empty as a result. Verification remains standard practice on regulated e-money accounts in the Philippines, and a limit that seems too low usually traces back to an account that has not completed it.
These networks lack any tier system that consumers would see. From PHP 500,000 to PHP 1,000,000 is how far BSP Circular No. 1230 of February 2026 moved the enhanced due diligence trigger for cash withdrawals, a separate matter from the Anti-Money Laundering Act, which flags a cash transaction above PHP 500,000 as a covered transaction needing a mandatory report. Rather than restricting the customer, these are institution-side reporting obligations, applying across BSP-supervised institutions instead of cash agents specifically.
Paying with Over-the-Counter Cash Agents at Filbet
- At Filbet, sign in first and then head to the cashier.
- Over-the-Counter Cash Agents will be among the methods listed in the cashier for your account - select it there.
- Make sure the name on your Filbet account matches the name on your Over-the-Counter Cash Agents account.
- Before you confirm the amount, look over the cashier screen for the minimum, maximum and any fee that applies.
Your account’s current limits live on the cashier screen — pull it up before trying any payment method for the first time.
Other payment rails explained here
- GCashBangko Sentral ng Pilipinas licenses it to operate as an Electronic Money Issuer
- GrabPayBangko Sentral ng Pilipinas conferred Electronic Money Issuer status back in 2018
- InstaPayBangko Sentral ng Pilipinas sets the National Retail Payment System framework this falls under
- Bank TransferBangko Sentral ng Pilipinas, applying the National Retail Payment System framework that came in with Circular No. 980
FAQ
What wallet ceiling applies to Over-the-Counter Cash Agents?
Over-the-Counter Cash Agents have no published wallet ceiling, so none appears here.
Who regulates Over-the-Counter Cash Agents?
Over-the-Counter Cash Agents — regulation: Bangko Sentral ng Pilipinas treats these as money service businesses, and the Anti-Money Laundering Act extends to them as well. That covers the rail, not the casino.
Over-the-Counter Cash Agents - how long until settlement?
The rail settles immediately, in person, is how counter cash changes hands, while crediting the linked wallet ranges from minutes to the same day, depending on the receiving institution. Withdrawals also pass through the operator's own review beforehand, a separate stage that generally takes the most time.
Do Over-the-Counter Cash Agents charge anything?
Over-the-Counter Cash Agents put no fee schedule in quotable form, which leaves their own page as the place to look.