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MCash-Wallet vs eCebuana Usage & Stats
MCash is M Lhuillier’s official mobile application that allows users to send and receive money, buy load, pay bills and more using a smartphone.
Send Money
Send money from one MCash account to another for FREE with Wallet to Wallet! You can also conveniently perform any of MCash other Send Money options: Kwarta Padala (from App to ML Branch) or Wallet to Bank* anytime, anywhere.
Add Money
Cash in to your own Mcash account for FREE by visiting the nearest M Lhuillier branch or add money through Mcash partner banks.
Receive Money
No time to visit an M Lhuillier branch to get your Kwarta Padala? Receive up to PHP 40,000.00** per transaction through your ML Wallet. Simply type the required Receive Money details after logging in!
Withdraw Money
Withdraw up to PHP 40,000** per day from any of the 2,600+ M Lhuillier branches nationwide. Find the nearest ML branch by clicking the Branch Locator in the App!
Buy eLoad
Easily buy or send load to your customers, friends & family with just a few taps on your smartphone.
Pay Bills
Quickly pay your bills to over 250 partners nationwide from a number of categories including Utilities, Insurance, Loans and more!
Buy Items*
Find the best prices and shop pre-loved jewelry, mobile phone accessories and other pawnable items in the ML Shop!
Loan***
Salary Loan - Quick, zero-fee Salary Loan with hassle-free repayment.
Credit limit amounts: P500 to P25,000
Up to 61 days loan Term
5.0% Interest rate per month
Maximum Annual Percentage Rate (APR) - 24% (VISMIN), 21% (LNCR)
No late payment penalties
No Admin fee
Sample Computation:
Principal Amount: P5,000
Interest Fees at 61 days: P500
Total amount to be paid: P5,500
Repay ₱1,375 every 15 days
Charges:
DOCUMENTARY STAMP - 0.003 (AUTOMATICALLY DEDUCTED FROM HIS/HER LOAN PROCEEDS)
PROCESSING FEE - 0.5% (AUTOMATICALLY DEDUCTED FROM HIS/HER LOAN PROCEEDS)
SEC licensed: Lhuillier Saison Financing Corporation.
Lhuillier Saison Financing Corporation is a registered and licensed financial institution operating under its own regulatory compliance.
Company Reg. No CS201907721
Certificate of Authority No. 1216
Carefully review and ensure that you have read and understood the terms and disclosures before initiating any transactions.
PRIVACY & PERMISSIONS
We will never disclose any personal information with anyone that is not you without your permission, or sell your data to third parties.
https://mlhuillier.com/privacy-notice/
*Coming soon
**for fully verified users only
*** Employees and Affiliated Business Partners Only
Aside from these services, you can track your finances with MCash upgraded Transaction History feature, find the nearest M Lhuillier branch with an in-App Branch Locator and check the latest Kwarta Padala rates anytime, anywhere.
Like M Lhuillier’s official Facebook page and join the MCash Users Community Facebook group today for updates and news about the ML Wallet App.
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Ka-Cebuana, i-download mo na ang new and improved eCebuana app!
Mas bago, mas madali, mas kumpleto - para sa mas convenient at mabilis na transactions!
What’s new with eCebuana?
• Super bilis mag-open ng account!
• Pwede ka nang mag-open ng e-wallet account diretso sa app - hindi mo na kailangan pumunta sa branch!
• Mag-open ng Micro Savings Account? I-verify mo lang ang wallet account mo - tapos agad!
One app, all-in-one solution!
• Send and receive money from other banks and e-wallets, at sa over 3,500 Cebuana Lhuillier branches nationwide
• Magbayad ng bills - now with more billers
• Mag-load anytime, anywhere
Marami pang pwedeng gawin!
• Receive international remittance via Quikz at Bank Albilad
• Gamitin ang Virtual Visa Card pang-online shopping
• Mag-transfer o bayad via QR
• Mas mataas na wallet limit up to Php100,000
• May 24K Card ka? I-register na sa app para full access!
Cebuana Lhuillier Micro Savings and Cebuana Savings are products of Cebuana Lhuillier Rural Bank.
Regulated by the Bangko Sentral ng Pilipinas. Member: PDIC. Maximum deposit insurance for each depositor is Php1,000,000.
If you have encountered any problem while using the app, send us an email at cebuanacares@pjlhuillier.com.
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- Free
- Finance
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January 10, 2026