What is RTB31?
RTB31 is the 31st tranche of the Retail Treasury Bonds (RTBs) issued by the Philippine government through the Bureau of the Treasury (BTr). These are low-risk investments backed by the government, perfect for conservative investors looking for better interest rates than savings accounts or time deposits.
For RTB31, the offer period runs from August 7 to August 16, 2025, and the bonds will mature in 5.5 years (due in 2031).
Why Invest in RTB31 via GCash?
GCash makes it easier than ever to participate in government bond offerings. Instead of going to a bank or broker, you can invest straight from your phone. Here are some reasons why this is convenient:
- No need to visit a bank
- Low entry amount (as low as ₱5,000)
- Fully digital process
- GCash Invest Money is already powered by ATRAM
Step-by-Step Guide: How to Buy RTB31 via GCash
Step 1: Open your GCash app
Make sure your GCash app is updated to the latest version.
Step 2: Go to “GCash Invest” or “GCash Bonds”
Depending on your app version, look for GCash Invest Money or Bonds under “Grow” or “GSave & Invest”.
Tip: If you don’t see it, try typing “Invest” in the GCash search bar.
Step 3: Complete the Risk Assessment
If it’s your first time using Invest Money or Bonds, GCash will require you to take a short risk assessment questionnaire. This helps determine if bonds are suitable for your investor profile.
Step 4: Select RTB31 from the list of offerings
Once available, RTB31 will appear under the available bond offerings. Tap it to view details such as:
- Interest rate
- Maturity date
- Minimum investment amount
Step 5: Enter your investment amount
You can invest as low as ₱5,000, in increments of ₱5,000.
Step 6: Confirm your purchase
Review the transaction details and click Confirm. GCash will deduct the amount directly from your wallet.
Step 7: Wait for confirmation
Once done, you’ll receive an email or in-app confirmation that your investment was successful. Your bonds will then be credited under your name and managed through GCash’s partner bond platform (e.g., ATRAM or BTr).
When Will You Get Paid?
RTB31 pays interest quarterly, meaning every three months you’ll receive earnings credited to your GCash wallet or designated account. The final payout, including your capital, will be made when the bond matures in 2031.
Want to see exactly how much you’ll earn from your RTB investment?
>>> Try our RTB Earnings Calculator — enter your investment amount and see your net income instantly.
Pros and Cons of Buying RTB31 via GCash
| Pros | Cons |
|---|---|
| No bank account needed | Limited customer support compared to banks |
| Easy access from phone | Cannot resell on secondary market via GCash |
| No queue, no paperwork | Internet connection required |
| Safe government-backed investment | Not for short-term liquidity |
Who Should Invest?
This is ideal for:
- Beginners looking for their first investment
- OFWs or remote workers without bank access
- Conservative savers who want higher returns than time deposits
- Anyone with at least ₱5,000 to set aside for 5.5 years
Final Thoughts
RTB31 offers an accessible and safe way to grow your money over the long term—and with GCash, the process is simpler than ever. If you’re a fan of cashless convenience and want to build your investment portfolio with minimal risk, this may be your perfect starting point.
But always remember: this is a long-term investment. Don’t put in money you’ll need in the next few years.
Blogger’s Corner
Personally, I love how RTBs offer that “set and forget” style of investing. No stress, no volatility—just slow and steady growth. The fact that GCash is now part of the ecosystem means even more Filipinos can finally invest in government securities without jumping through hoops.
If you ask me, this kind of access is exactly what financial inclusion should look like.