Send Money,
Then
Pay After
The first financial technology platform to combine consumer credit and international money transfer to help you send money faster and easier, with no transfer fees.
New Customer GCash Offer
$1→₱58.24 promotional rate applies to the first GCash transaction up to $500 sent by new customers. See Terms and Conditions.
By tapping sign up, you consent to receiving one-time passcodes via text. Msg & data rates may apply. See our Terms of Service and Privacy Policy.
Recent Reviews
Pay with Credit without
the Transfer Fees
When you send money to GCash using the Pomelo Pay Later Plan there is:
Zero Transfer Fees- Zero Cash Advance Fees
- Zero Credit Card Surcharges
- Zero (APR) Annual Percentage Rate
| Credit Card Used | Transfer Fees | Rates | |
|---|---|---|---|
| Pomelo | Pomelo Mastercard® | $0  | ₱55.77 |
| SendWave | N/A | $0.00 | ₱54.24 |
| Xoom | N/A | N/A | ₱55.13 |
Credit card transfer fee when sending $1000 to GCash. Rate checked as of 10/5/2024 9 PM UTC.
How To Send Money with Pomelo
$1000 Credit Line
Apply for Pomelo Mastercard and get approved for up to $1000 that you can use to send to GCash
Pay Later without Interest
Pay Later without Interest
Unlike a regular credit card, you don’t carry over balances, which means you won’t pay interest. Ever needed to send money but payday was in a week? You can send money now and pay your monthly balance in full when it is due.
| Typical Credit Card | Pomelo Mastercard® |
|---|---|
| Revolving balances | Pay back in full each month |
| Interest on revolving balance | No interest |
| High APR | No APR |
Terms and conditions apply. Pomelo Account Card Holder Agreement
Remittance made Rewarding
Full control
Pause the card anytime
Full visibility
Know where every dollar is spent
Pay later
They spend first, you pay us back after
Always available
Never worry during emergencies
No Credit? No Problem
Pomelo with Credit Builder Plan
Whether you are starting from scratch or rebuilding your credit, you can still apply for Pomelo and get approved for our Pomelo Credit Builder Plan.
This plan includes a Pomelo Secured Mastercard® that allows you to send money to the Philippines and may help to build your credit over time.
Learn more about Pomelo Credit Builder Plan
Unlock full features
Experience the complete range of Pomelo features with the Pomelo Secured Mastercard®
See features
Decide your credit limit
Set your credit limit between $50 and $1,000 and activate it by making a security deposit in the same amount.
Build credit
Each on-time repayment could help you build positive credit history.
Fully refundable
Change your mind? Close your account and we’ll refund your remaining deposit.
With Pomelo we’ve built a way for you to establish your financial future as you help the people you love at home.
Impact to score may vary. Some users’ credit scores may not improve. Results will depend on many factors, including on-time payment history, the status of your Pomelo account, and financial history.
Our Partners
In The Press
Frenkiel came up with the idea when visiting his wife’s family in the Philippines. “Why can’t I just leave a card with my family instead of sending cash every month?” Frenkiel recalled.
Tech entrepreneur, recent Henderson transplant launching new venture
Fox 5
With the funding in place and after several months in private beta, Pomelo is officially launching with its first corridor to the Philippines.
Pomelo raises $20m to combine credit and international money transfers
Finextra
Pomelo has raised a $20 million seed round led by Keith Rabois at Founders Fund and Kevin Hartz at A* Capital, with participation from Afore Capital, Xfund, Josh Buckley and The Chainsmokers.
Pomelo exits stealth mode with $20M seed to rethink international money transfer
TechCrunch
...because the payments run via credit rails, the fees are paid by merchants via interchange and daily foreign exchange rates. This eliminates transfer fees, which can add up to 6%.
Pomelo Launches Family Credit Cards to Combine Credit and International Money Transfer
Finovate
Christine Rockwell, a Las Vegas Asian Chamber of Commerce board member, said “…this is, I think, truly groundbreaking.”
Vegas-based startup aims to make sending money abroad easier
Las Vegas Review-Journal
With Pomelo, transfer times are essentially instantaneous, and Pomelo takes no fees from customers beyond the lowest exchange rate spread in the industry.
Fee-Free Pomelo App and Card for Remittances Help Users Build Credit When They Send Money Back Home
CardRates.com
Frenkiel came up with the idea when visiting his wife’s family in the Philippines. “Why can’t I just leave a card with my family instead of sending cash every month?” Frenkiel recalled.
Tech entrepreneur, recent Henderson transplant launching new venture
Fox 5
With the funding in place and after several months in private beta, Pomelo is officially launching with its first corridor to the Philippines.
Pomelo raises $20m to combine credit and international money transfers
Finextra
Pomelo has raised a $20 million seed round led by Keith Rabois at Founders Fund and Kevin Hartz at A* Capital, with participation from Afore Capital, Xfund, Josh Buckley and The Chainsmokers.
Pomelo exits stealth mode with $20M seed to rethink international money transfer
TechCrunch
...because the payments run via credit rails, the fees are paid by merchants via interchange and daily foreign exchange rates. This eliminates transfer fees, which can add up to 6%.
Pomelo Launches Family Credit Cards to Combine Credit and International Money Transfer
Finovate
Christine Rockwell, a Las Vegas Asian Chamber of Commerce board member, said “…this is, I think, truly groundbreaking.”
Vegas-based startup aims to make sending money abroad easier
Las Vegas Review-Journal
With Pomelo, transfer times are essentially instantaneous, and Pomelo takes no fees from customers beyond the lowest exchange rate spread in the industry.
Fee-Free Pomelo App and Card for Remittances Help Users Build Credit When They Send Money Back Home
CardRates.com
Frenkiel came up with the idea when visiting his wife’s family in the Philippines. “Why can’t I just leave a card with my family instead of sending cash every month?” Frenkiel recalled.
Tech entrepreneur, recent Henderson transplant launching new venture
Fox 5
With the funding in place and after several months in private beta, Pomelo is officially launching with its first corridor to the Philippines.
Pomelo raises $20m to combine credit and international money transfers
Finextra
Pomelo has raised a $20 million seed round led by Keith Rabois at Founders Fund and Kevin Hartz at A* Capital, with participation from Afore Capital, Xfund, Josh Buckley and The Chainsmokers.
Pomelo exits stealth mode with $20M seed to rethink international money transfer
TechCrunch
...because the payments run via credit rails, the fees are paid by merchants via interchange and daily foreign exchange rates. This eliminates transfer fees, which can add up to 6%.
Pomelo Launches Family Credit Cards to Combine Credit and International Money Transfer
Finovate
Christine Rockwell, a Las Vegas Asian Chamber of Commerce board member, said “…this is, I think, truly groundbreaking.”
Vegas-based startup aims to make sending money abroad easier
Las Vegas Review-Journal
With Pomelo, transfer times are essentially instantaneous, and Pomelo takes no fees from customers beyond the lowest exchange rate spread in the industry.
Fee-Free Pomelo App and Card for Remittances Help Users Build Credit When They Send Money Back Home
CardRates.com
FAQs
1. Apply for Pomelo Mastercard® and get approved. Applicants must pass identity verification and fraud controls.
2. Add your GCash recipient.
Be sure to enter the correct first name, last name and number they use for GCash. There is no guarantee of refund for transfers to incorrect recipients.
3. Choose the amount you’d like to send.
4. Send this amount to your recipient’s GCash Wallet using Pomelo Mastercard®.
Your transfer will be complete within minutes.
5. Pay Later with no interest and no APR.
The amount sent will be added to your current balance. Pay your statement balance in full by the 10th of every month to avoid any late fees.
Terms and Conditions Apply. Pomelo Account Card Holder Agreement
Pomelo is a free-to-use service.
Here are the details of our fees and charges:
1. Money Transfer Fees:
None. We do not charge any money transfer fees when you send money to GCash.
2. Pomelo Pay Later Plan Fees:
- APR (Annual Percentage Rate): None
- Interest Charges: None
- Annual Fees: None
- Payment Schedule: Your statement balance is due in full every month. Paying off the monthly balance in full will ensure you avoid any late fees.
- Late Fees: $39
Terms and Conditions Apply. Pomelo Account Card Holder Agreement
Pomelo Mastercard® is a charge card, a type of credit card where the statement balance must be paid in full each month. Balances can't be carried over to the next month, ensuring no interest charges and zero APR. A late fee may apply if the balance isn't paid in full. We offer auto-pay to help avoid late payments. Pomelo's Mastercard® offers a credit limit of up to $1,000, encouraging responsible spending so you can maintain control over your finances. Applying for the Pomelo Mastercard is similar to applying for other credit cards.
Applying for Pomelo is quick and simple!
Enter your phone number and click "Sign up".
Securely provide your name, email, address, income, date of birth and SSN.
Submit your application to see which plan you are approved for and get a Pomelo Mastercard® with a credit limit of up to $1,000.
Sign up now and start sending money to GCash with Pomelo Mastercard®!
Because Pomelo is the first to combine credit with money transfer, providing your SSN allows us to verify your identity and provide you a credit offer that helps you earn rewards and build your credit whenever you send money overseas. Your SSN is not stored or read by Pomelo, and only transmitted securely to an identity verification service for our bank partner, Coastal Community Bank, member FDIC, to confirm your identity.
No - viewing your credit offer does not affect your credit score. This is called a soft pull. For customers who accept and receive credit from Pomelo, we then perform a hard pull with the credit bureaus to formally open your credit line. This will then show up on your credit report, but on-time payments will typically help your credit score, not hurt it.
Ready to send?
$1 →₱58.24
Available for a limited time
$1→₱58.24 promotional rate applies to the first GCash transaction up to $500 sent by new customers. See Terms and Conditions.
By tapping sign up, you consent to receiving one-time passcodes via text. Msg & data rates may apply. See our Terms of Service and Privacy Policy.