What to Know about the GSIS e-Card Plus

The GSIS e-Card Plus is a multifunctional identification card designed for members and pensioners of the Government Service Insurance System (GSIS) in the Philippines. It serves not only as a government-issued ID but also as a transactional card, ATM, and VISA debit card. This card simplifies access to a range of services and benefits, including cash withdrawals from ATMs, over-the-counter services, and electronic transactions such as bill payments and online purchases.

The card is integrated into the Unified Multi-Purpose ID (UMID) system under various executive orders to streamline identification systems across government services. Holders of the e-Card Plus can expect a streamlined process for accessing the agency’s services, making it a crucial tool for efficient management of their entitlements and transactions.

ecard plus
Credits: GSIS

What is the GSIS e-Card Plus?

The GSIS e-Card Plus is an all-in-one card that functions as a government-issued ID, transactional card, and ATM card. It’s issued to members of the Government Service Insurance System in the Philippines, providing them with a seamless method to access various services and benefits. This card not only simplifies transactions with the agency but also integrates other functionalities such as a VISA debit card, disbursement card, and discounts on hospitalization, medicine, and tuition.

Legal Basis of the GSIS e-Card Plus

The e-Card Plus is part of a broader move to unify the identification systems across different government services under the UMID (Unified Multi-Purpose ID) system. This move was solidified by Executive Order No. 420 and further enhanced by Executive Order No. 700, directing the Social Security System (SSS) to manage the harmonization process.

Benefits of the GSIS e-Card Plus

Owning a GSIS e-Card Plus comes with numerous benefits, which include:

  • Disbursement Card: Withdraw proceeds from GSIS loans and claims from any BancNet, Megalink, and Expressnet ATM.
  • ATM Card: A personal savings account with no maintaining balance required.
  • Debit Card: Enables payment for purchases, drawing directly from your Union Bank account.
  • Convenience: Over-the-counter cash withdrawals at 900 MLhuillier branches and selected PhilPost offices nationwide.

UMID vs eCard Plus

While both the GSIS UMID Card and the GSIS eCard Plus are issued by the Government Service Insurance System, they serve different purposes. The UMID Card is a multi-purpose identification card that also functions as an ATM and debit card, while the eCard Plus is primarily used for pension and loan disbursements. It’s important to note the specific features and benefits of each card to make the most of the agency’s services.

Who is Eligible?

All active members and pensioners are eligible for the e-Card Plus. It is mandatory for all new members and pensioners to enroll for this card to access their benefits and perform transactions with the agency.

Enrollment Requirements

To enroll for an e-Card Plus, applicants need to present:

  • Two valid government-issued IDs (e.g., driver’s license, passport, voter’s ID).
  • A completed e-Card enrollment form specifying a servicing bank (Union Bank or Land Bank).

Step-by-Step Guide on How to Benefit from the GSIS e-Card Plus

  1. Visit a GSIS Office: Go to the nearest GSIS office to submit your enrollment form.
  2. Receive a Notification: After processing, the agency will send an SMS to inform where you can pick up your e-Card Plus or temporary card.
  3. Activation:
    1. Permanent eCard: Activate it at any G-W@PS kiosk by placing it on the card reader and using your fingerprint for identification.
    2. Temporary Card: Present two valid IDs at the GSIS office for manual activation.
  4. Access GSIS Services: Use the card at G-W@PS kiosks for various transactions like loan applications, checking records, or updating your status.
  5. Online Banking and Transactions: Register for online banking to manage your finances remotely and transact 24/7.

Tips and Reminders when Using the GSIS e-Card Plus

  • Treat it like cash: Always keep your e-Card Plus in a secure location and avoid lending it to anyone.
  • Memorize your PIN: Never share your Personal Identification Number (PIN) with anyone, not even family or friends.
  • Beware of skimming: Shield the keypad when entering your PIN at ATMs or POS terminals to prevent unauthorized access.

Stay Informed and Up-to-Date:

  • Update your contact details: Ensure your registered mobile number and email address are current to receive important updates and notifications from the agency about your account and transactions.
  • Explore e-Card Plus features: Familiarize yourself with all the functionalities offered by your e-Card Plus. This might include features like cash withdrawals, balance inquiries, bills payments, and online shopping (if applicable).

Manage Your Account Wisely:

  • Monitor transactions: Regularly review your e-Card Plus transaction history to ensure everything is accurate. Discrepancies or suspicious activity should be reported to the agency immediately.
  • Report unauthorized activity: If you suspect unauthorized use of your e-Card Plus, report it to GSIS right away. They can help you block your card and prevent further loss.

Be Secure Online:

  • Use official GSIS channels: Only conduct transactions through GSIS’s official website or mobile app. Be cautious of phishing attempts and avoid entering your e-Card Plus details on suspicious websites.
  • Strong passwords: Create strong and unique passwords for your GSIS online accounts. Avoid using easily guessable information like birthdays or pet names.

Get Help When Needed:

  • Contact GSIS customer service: Don’t hesitate to reach out to the agency for any questions, clarifications, or concerns regarding your e-Card Plus. Their customer service representatives can assist you and ensure a smooth user experience.

Video: Know your GSIS UMID Card – Part 1

The GSIS UMID Card is a versatile three-in-one card that functions as an identification card, ATM card, and debit card. Equipped with an RFID microchip, it securely stores personal information. Members can conveniently access the G-W@PS kiosk using their UMID cards for various services and transactions.



The GSIS e-Card Plus is a revolutionary tool that streamlines how government employees and pensioners manage their benefits and interact with the agency. It not only offers financial functionalities but also integrates multiple services into one convenient card, making it an essential part of the GSIS member’s wallet. If you’re a GSIS member or pensioner, make sure to take full advantage of all the opportunities your e-Card Plus offers.


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