We’ve All Been There: When Your Train Card Runs Out—There’s a Convenient Alternative

In the middle of a busy morning, every second counts. For daily commuters, the day begins with a mission: beat the rush, stay on schedule, and get from point A to point B as smoothly as possible.

That’s why nothing triggers instant stress quite like this moment—you’re already in line, already running late, and then you realize your train card balance is running low.

Suddenly, it’s a scramble.

You start scanning the station for a top-up machine. You queue behind fellow commuters who are just as pressed for time. Sometimes the machines are slow—or worse, temporarily unavailable. Ticket booths get crowded as single-journey ticket buyers and card reloaders share the same line. What should have been a simple tap-and-go turns into a stressful delay.

During rush hour, even small inconveniences can derail your entire morning.

One Less Thing to Worry About—Thanks to GCash

Now imagine skipping that stress entirely.

With GCash, your phone—or your GCash Visa Card—can be your train ticket. No more second-guessing your balance. No more lining up just to reload. No more last-minute panic as the queue grows behind you.

And even on days when you need to cash in, it’s simple. You can CASH IN FOR FREE at GCash cash-in machines available across all MRT-3 stations, or transfer funds online from your bank account. With FREE Wi-Fi also available at MRT-3 stations, you can complete transactions on the spot—no mobile data needed, no detours required.

It’s convenience that fits seamlessly into your commute instead of disrupting it.

Three Hassle-Free Ways to Ride MRT-3 with GCash

Whether you prefer tapping your phone, scanning a QR code, or using a card, GCash gives you flexible options that match your lifestyle.

1. Tap to Pay Using Your Phone

Got an NFC-enabled Android phone? Your device can now double as your train pass.

Activation is quick and only needs to be done once:

1. 1. Open your phone’s Settings.
   2. Turn on the NFC feature.
   3. Log in to your GCash app.
   4. Select Tap to Pay and agree to the Terms & Conditions.

Once activated, simply log in to your GCash app and tap your phone at the turnstile upon entry. When you reach your destination, tap again at the exit gate—the exact fare will be automatically deducted.

Fast. Seamless. No extra steps.

2. Scan Your GCash Commute QR

No NFC? No problem.

You can generate a Commute QR code directly in the GCash app—no need to input station details.

Here’s how:

1. 1. Open the GCash app and tap Commute.
   2. Click Generate QR. You can download it or take a screenshot.
   3. Scan the QR code at the turnstile and proceed to the platform.

At your destination, scan the same QR code again at the exit gate, and the exact fare will automatically be deducted.

It’s your digital ticket—ready whenever you are.

3. Tap Your GCash Visa Card

Running low on battery? Experiencing spotty signal? Prefer using a physical card?

Your GCash Visa Card works just like the current train card system. Simply tap upon entry and tap again upon exit.

The GCash Visa Card is linked directly to your GCash wallet, allowing you to use it not only for MRT-3 rides but also for shopping at millions of online and offline stores. You can even withdraw from ATMs for as low as ₱10. All transactions are easily viewable in your GCash app’s Transaction History.

To get started:

1. 1. Tap Cards in the GCash app.
   2. Select Order a Card and input your delivery details (₱250 fee; delivery within 7–10 days), or choose Link my Card if you already have one.
   3. Enter the OTP and the required card details to complete linking.

Simple setup. Everyday convenience.

Convenience Is the New Self-Care

In a world where every minute is accounted for, convenience isn’t a luxury—it’s a form of self-care.

Skipping long lines. Avoiding unnecessary stress. Saving even a few precious minutes. These small wins can completely change the tone of your day.

With its growing daily usage, GCash has become a trusted payment option at MRT-3—making cashless commuting smoother than ever. Whether you tap, scan, or use your card, you’re not just saving time—you’re embracing a smarter, more innovative way to move through the city.

Ready to power up your commute?

Download the GCash app today via the Apple App Store, Google Play Store, or Huawei AppGallery—and make every ride a smoother one.