Low-risk, government-backed returns now within reach with RTB 32 on GCash with GBonds

Eligible Filipinos can invest from ₱5,000 in a new Philippine government bond and receive interest every three months.

GCash is making Retail Treasury Bond 32 (RTB 32) available through GBonds, powered by Philippine Digital Asset Exchange (PDAX), Inc. and PDAX Securities, in partnership with the Bureau of the Treasury (BTr). This offering gives eligible users a convenient way to invest in a bond issued by the Republic of the Philippines, starting at ₱5,000. The primary offer runs from September 29 to October 7, unless the Bureau of the Treasury (BTr) closes it earlier.

RTB 32 has a 2.5-year term, will be issued on October 12, 2026 and will mature on April 12, 2029. It pays interest quarterly. LandBank lists an indicative annual coupon rate of 6.750% to 6.875%; the BTr will set the final rate at auction. At that indicative range, a ₱5,000 investment would earn about ₱67.50 to ₱68.75 per quarter after 20% withholding tax. Actual payments depend on the final rate.

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.