GCash is now offering Retail Treasury Bond 32 (RTB 32) through GBonds, powered by Philippine Digital Asset Exchange (PDAX), Inc. and PDAX Securities, in partnership with the Bureau of the Treasury (BTr). The investment opportunity allows eligible GCash users to invest in a Republic of the Philippines-issued bond with a minimum investment of ₱5,000. The RTB 32 primary offering is available from September 29 to October 7, 2026, unless the BTr decides to close the offer earlier.
RTB 32 carries a 2.5-year maturity period, with issuance scheduled for October 12, 2026, and maturity on April 12, 2029. The bond will provide quarterly interest payments, with LandBank indicating an annual coupon rate of 6.750% to 6.875%, subject to the BTr’s final rate determination at auction. Based on the indicative rate and after the 20% withholding tax, a ₱5,000 investment could generate approximately ₱67.50 to ₱68.75 in interest per quarter. The actual interest earnings will depend on the final coupon rate set by the BTr.
By lowering the starting amount and making bonds available through the GCash app, GBonds helps widen access to formal investing. Eligible users do not need a bank account to register. RTB 32 marks 25 years of the government’s retail bond program; proceeds support public priorities including education, healthcare, agriculture and infrastructure.
“Investing shouldn’t feel complicated or out of reach. Through GBonds, we want more Filipinos to have access to simple and trusted ways to grow their money. With just ₱5,000, they can start investing in the Philippine government and earn interest every three months,” said Darvin Su, General Manager for Wealth Management at GCash.
To invest, users must be at least 18 and fully verified on GCash. In the app, go to Invest > GBonds, complete the registration, add funds to the GBonds wallet. Then, select RTB 32 marked “Pre-Sale,” enter an amount and confirm the order after reviewing the details. Confirmed orders are final and cannot be cancelled.
RTB 32 is considered a low risk investment. The bond’s terms provide for repayment of principal at face value at maturity; selling before maturity may return more or less than the original investment. Interest is subject to applicable withholding tax. Investors should consider whether the 2.5-year term fits their needs.
For more information, visit: www.gcash.com.
