Residents of Bacolod City and Negros Occidental looking to earn interest every three months can invest in a Philippine government bond through GCash, starting at P5,000, the company said.
Retail Treasury Bond 32 (RTB 32) is available to eligible users through GBonds in the GCash app.
The primary offer runs from September 29 to October 7, unless the Bureau of the Treasury closes it earlier.
Buying a government bond means lending money to the government in exchange for interest payments and repayment of the principal under the bond’s terms.
RTB 32 has a two-and-a-half-year term, with issuance scheduled for October 12, 2026, and maturity on April 12, 2029. Interest is paid quarterly, or every three months.
For someone investing P5,000, the release estimates an interest payment of about P67.50 to P68.75 every quarter after 20 percent withholding tax.
That estimate uses LandBank’s indicative annual interest rate of 6.750 percent to 6.875 percent.
These are preliminary figures: the release said the Bureau of the Treasury would set the final rate at auction, and actual payments would depend on that rate.
GCash said eligible users do not need a bank account to register. They must be at least 18 years old and have a fully verified GCash account.
Users can open the Invest tab, select GBonds, complete registration, and add funds to their GBonds wallet.
They can then choose RTB 32 marked “Pre-Sale,” enter an amount, and review the details before confirming.
Confirmed orders are final and cannot be cancelled, the company said.
GBonds is powered by Philippine Digital Asset Exchange (PDAX) Inc. and PDAX Securities, in partnership with the Bureau of the Treasury.
GCash general manager for wealth management Darvin Su said the service aims to make investing simpler and more accessible.
Proceeds from the bond support public priorities including education, healthcare, agriculture, and infrastructure, according to the release.
For local households considering the offer, the length of the investment matters.
The bond provides for repayment of principal at face value upon maturity, while selling earlier may return more or less than the original investment.*
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