Maya Bank review
Updated October 12, 2026 · SumCue Editorial Team
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Our verdict
Maya Bank works less like a traditional card issuer and more like an all in one money app with a linked wallet card. It combines everyday spending, saving, borrowing and investing tools for people who prefer to manage money by phone in the Philippines.
Key facts
Loans
- APR
- 1.4%↗
- Loan amount
- ₱15,000 to ₱250,000↗
- Term
- 6 to 24 months↗
- Arrangement fee
- Waived (early access promo)↗
- Credit check
- Hard↗
- Funding time
- Instantly transferred to Maya Wallet on acceptance↗
- Representative example
- Loan amount PHP 25,000, 0.83% monthly add-on rate, 6-month tenure, monthly installment PHP 4,374.17, total repayment PHP 26,239.19↗
- Rate type
- Variable↗
- Lender type
- Direct lender↗
- Free early repayment
- Yes↗
- Eligibility
- 21 to 65 years old, Filipino citizen living in the Philippines, upgraded Maya account↗
- Loan types
- Personal, Credit-line, BNPL↗
- Credit needed
- Good↗
- Use cases
- Home-improvement↗
- Pricing model
- Fixed rate
Savings
Credit cards
- Card kind
- Credit↗
Pros and cons
Pros
- Links a black personalised card carrying your username to your wallet balance
- Supports QR and username transfers without entering long account details
- Combines savings, loans, cards, crypto and stock style investing in one app
- Offers physical and virtual wallet cards for in-store and online shopping
Cons
- Designed around app use, which limits people who prefer branch service
- Centred on the Philippines, so less useful for everyday spending elsewhere
Who it suits
- Philippines residents managing spending, saving and borrowing by phone
- Shoppers wanting physical and virtual wallet cards in one place
- Beginners exploring QR payments, crypto and guided investing tools
Who should look elsewhere
- People wanting face to face banking outside an app
Safety and regulation
Security with Maya Bank centres on bank style protection combined with app based convenience. You hold and move money by phone inside a single digital bank app. You can send funds through QR codes or usernames rather than sharing long account numbers. Access to borrowing remains subject to credit evaluation, with approval decided in seconds in some cases. You manage savings, payments and cards together in one place. The emphasis stays on keeping everyday transactions protected while remaining easy to use.
How Maya Bank compares
Where Maya Bank is available
- Available
- Philippines
- Licence in Philippines
- Bangko Sentral ng Pilipinas, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does Maya offer in one place?+
Maya Bank provides an e-wallet, savings, loans and cards inside a single digital bank app. You can send money, shop, save and explore growth options from one account. The aim is to handle routine finances by phone without visiting a branch.
How does the Maya card work for shopping?+
The wallet connects to physical and virtual cards for shopping online or in stores. The physical card is black and carries your chosen username. You can also withdraw cash with the card when you need notes.
How do transfers by username and QR code work?+
You can send money through QR codes or phone numbers rather than long account details. Transfers by username need only the receiver's username to start the payment. The approach is intended to make everyday transfers quicker and simpler.
Which country does Maya serve?+
Maya Bank serves users in the Philippines through its digital bank app. Its QR payments, savings tools and lending options address everyday needs there. People living outside the Philippines would find fewer relevant uses for routine spending and saving.
Does Maya cover investing as well as spending?+
The app also covers crypto activity and stock style investing alongside banking tools. You can buy, sell, send and receive crypto at any time in the app. Learning material and access to over a dozen currencies sit alongside the trading features.
Sources
- en.wikipedia.org/wiki/Maya_(mobile_payments) checked September 26, 2026
Backs: Founded, Headquarters, Legal entity, Licences
“Maya Bank, Inc. was incorporated 2021”
- maya.ph checked September 26, 2026
Backs: Card type, Features, Card network, Support channels
“Virtual debit card and physical Visa or Mastercard”
- news.superex.com/articles/20513.html checked September 26, 2026
Backs: Exchange type, Regulators
“Maya Crypto is integrated into the Maya app”
- datawallet.com/crypto/best-crypto-exchanges-philippines checked September 26, 2026
Backs: Coins listed
“Maya - 30+ cryptos”
- mayabank.ph/borrow checked September 26, 2026
Backs: Loan amount, Credit needed, Loan types, Arrangement fee, Representative example, Term
“Personal loan: Loan offer from PHP 15,000 - PHP 250,000”
- mayabank.ph/creditcard checked September 26, 2026
Backs: Card kind
“Credit Card Philippines - The only cards you'll ever need”
- mayabank.ph/highinterestsavings checked September 26, 2026
Backs: Headline rate
“Starting April 1, 2026, the base interest rate will be 3% p.a ... Grow your interest all the way up to 15% p.a. daily”
- mayabank.ph/personal-loan checked September 26, 2026
Backs: APR, Credit check, Eligibility, Free early repayment, Funding time, Lender type, Pricing model, Use cases
“You can get a Maya Personal Loan with as low as 0.83% add-on rate per month (effective interest rate of 1.40% per month)”
- mayabank.ph/savings checked September 26, 2026
Backs: Access terms, Account kind, Minimum deposit, Rate type
“Maya Savings refers to a deposit product offered by Maya Bank, Inc. in the Maya app where customers are able to make deposits and withdrawals at any time and without penalty through the available...”
Compiled from 9 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Monthly fee, Currency conversion fee, Free ATM withdrawals, Protection.