Maya review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Maya suits Filipino households that want savings, a debit card and personal loans in a single app, and it is regulated by Bangko Sentral ng Pilipinas. The account is easy access, pays 3% to 15% on a PHP 0 minimum deposit, and sits 1 of 379 on that measure.
Key facts
- Best for
- Households wanting savings, a debit card and quick loans in a single app.
- Headline rate
- 3% to 15%↗
- Rate type
- Variable↗
- Term
- 6 to 24 months↗
- Minimum deposit
- ₱0↗
- Access terms
- Deposits and withdrawals at any time without penalty, in-app 24/7, funded from Maya Wallet or via PESONet/InstaPay from other banks and e-wallets↗
- Account kind
- Easy access↗
- Regulators
- Bangko Sentral ng Pilipinas↗
- Legal entity
- Maya Bank, Inc.↗
- Headquarters
- Philippines↗
- Founded
- 2021↗
- Support channels
- Phone, Help-centre, Community↗
- Pricing model
- Fixed rate
- Official website
- maya.ph
Loans
- APR
- 1.4%↗
- Loan amount
- ₱15,000 to ₱250,000↗
- 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↗
- 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↗
- Features
- Multi-currency
Credit cards
- Card kind
- Credit↗
Pros and cons
Pros
- Money moves in and out at any time without penalty, funded from the Maya Wallet or through PESONet and InstaPay, on a easy access balance.
- Loans run at an APR of 1.4% over 6 to 24, with the Waived (early access promo) arrangement fee and early repayment free.
- Approved loans are Instantly transferred to Maya Wallet on acceptance.
- The cex exchange lists from 30 coins, and support runs on phone, help centre and community.
Cons
- Savings pay a variable rate, so the 3% to 15% headline can move.
- Loans need a hard credit check and good credit.
- Support is limited to phone, help centre and community.
Who it suits
- Filipino adults with an upgraded Maya account who want to move money in and out at any time without penalty.
- Borrowers with good credit looking for fixed rate loans over 6 to 24 with early repayment free.
- Savers who want a easy access balance paying 3% to 15% on a PHP 0 minimum deposit.
Who should look elsewhere
- bunq, which pays 3.01% and fits readers in the euro area rather than Maya's PH base.
- Wise, at 3.29%, for readers who want an account outside Maya's home market of PH.
- Finteres, whose savings range runs 0% to 36% for savers happy to lock money away, where Maya's easy access balance suits money that may be needed.
How Maya compares
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Where Maya 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 rate does Maya pay on savings?+
Savings pay 3% to 15% and the rate is variable, so the figure can move with the bank's pricing. The balance is easy access, and money can go in or out at any time without penalty, funded from the Maya Wallet or through PESONet and InstaPay.
Is there a minimum deposit to open a Maya savings account?+
A minimum deposit of PHP 0 applies, and Maya sits 1 of 379 on that measure. Deposits and withdrawals are allowed at any time without penalty, so the balance does not need to sit untouched.
Who regulates Maya?+
Maya is supervised by Bangko Sentral ng Pilipinas, and the legal entity behind the app is Maya Bank, Inc.. Its cex exchange lists from 30 coins and carries the same regulator, so banking and trading sit under the same name.
What does a Maya personal loan cost?+
Loans run at an APR of 1.4% over 6 to 24, on amounts of PHP 15,000 to PHP 250,000. The Waived (early access promo) arrangement fee applies under the early access promo, the pricing is fixed rate, and early repayment is free.
How quickly is a Maya loan funded?+
Instantly transferred to Maya Wallet on acceptance once an application is accepted. Maya lends as a direct lender, offers personal, credit line and bnpl, and lists home improvement as a purpose, with a hard credit check and good credit needed, so every claim goes through assessment.
Who can borrow from Maya?+
Applicants must be adults, a Filipino citizen living in the Philippines, and hold an upgraded Maya account. The good credit requirement and the hard credit check sit alongside the 1.4% APR, so approval is not automatic.
What card comes with the Maya account?+
Maya issues a debit card on the visa network, and the app holds multi currency balances. A credit card is listed as well, alongside the cex exchange with its from 30 coins, all reached from the same wallet.
How do I get help from Maya?+
Support runs through phone, help centre and community, so a phone call, the help centre and the community forum carry the questions. The app itself handles deposits and withdrawals around the clock, funded from the wallet or through PESONet and InstaPay.
Sources
- en.wikipedia.org/wiki/Maya_(mobile_payments) checked September 26, 2026
Backs: Founded
“Maya Bank, Inc. was incorporated 2021”
- maya.ph checked September 26, 2026
Backs: Card type, Features, Card network
“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/about-maya-bank checked September 26, 2026
Backs: Headquarters, Licences
“Maya Bank is the digital banking arm of Voyager Innovations, the leading technology company in the Philippines.”
- 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, Support channels
“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...”
- mayabank.ph/terms-conditions checked September 26, 2026
Backs: Legal entity
“the terms "Maya Bank," "Bank," "we," "us," and "our" refer to Maya Bank, Inc. together with its employees, directors, affiliates, successors, agents, and assigns”
Compiled from 11 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Deposit protection.