GCash users can now conveniently invest in Retail Treasury Bond 32 (RTB 32) through GBonds, powered by Philippine Digital Asset Exchange (PDAX), Inc. and PDAX Securities, in collaboration with the Bureau of the Treasury (BTr). Starting at just ₱5,000, this offering provides eligible investors with a secure way to participate in bonds issued by the Republic of the Philippines. The primary subscription period runs from September 29 to October 7, unless closed earlier by the BTr.
RTB 32 carries a 2.5‑year term, will be issued on October 12, 2026, and matures on April 12, 2029. Interest is paid quarterly. LandBank has listed an indicative annual coupon rate between 6.750% and 6.875%, with the final rate to be determined at auction. At that range, a ₱5,000 investment would generate approximately ₱67.50 to ₱68.75 per quarter after the 20% withholding tax, though actual returns will depend on the finalized rate.
“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.
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