GCash versus Maya is the head-to-head every Filipino player asks. Both rails are zero-fee on RLSH partner operators; both handle instant-tier dispatch. The question is pure speed.
Median row
| Rail | Median | P90 | Sample |
|---|---|---|---|
| GCash | 9 min (winner) | 38 min (winner) | 14,102 cash-outs |
| Maya | 14 min | 55 min | 6,208 cash-outs |
What drives the gap
GCash runs more inter-bank dispatches per hour than Maya — GCash batches at roughly 15-minute intervals through the high-traffic daytime window, Maya batches at 20-25 minutes. P90 tails reflect the difference: GCash clears 90% of cash-outs inside 38 minutes; Maya 55 minutes.
Top-quartile detail
GCash top-quartile clears in 4 minutes — the fastest observed bracket on the entire Philippines rail. Maya top-quartile clears in 7 minutes. For Filipino players measuring "how fast can I actually hold my money", GCash is the head-to-head winner on both speed and tail.
Verdict
GCash is the winner cell by every speed row. Maya is the clear #2 and still beats every non-ewallet option. BDO wire at 214-minute median is the loser row on same-day cash-out.
