Fintech

GCash to replace SMS OTPs with In-App Authentication

Erl Burtanog Senior Writer June 11, 2026 · 1 min read

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GCash is set to roll out in-app one-time passwords (OTPs) beginning June 22, replacing traditional SMS-based verification codes as part of efforts to strengthen account security and combat online fraud.

The move comes ahead of the Bangko Sentral ng Pilipinas’ June 30 deadline requiring financial institutions to phase out SMS OTPs under the Anti-Financial Account Scamming Act (AFASA). SMS-based verification has become increasingly vulnerable to phishing attacks, SIM-swap fraud, and other scams.

With the updated approach, OTP codes will be sent via secure push notifications inside the authenticated GCash app. Users are reminded to turn on push notifications so there won’t be any interruptions when checking accounts or finishing transactions.

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Erl Burtanog

Senior Writer

Erldian Burtanog is a Communication Arts graduate who brings a fresh perspective to the world of technology. His curiosity and passion for storytelling have led him to cover the latest in tech, innovation, and digital trends. He specializes in video production, editing, and writing, and has covered events both locally and internationally for YugaTech. Outside of tech journalism, he creates fashion content and pursues his interest in styling, blending creativity with media and storytelling.

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