Your 13th-month pay just arrived, and suddenly, everything feels possible. The cart you’ve been saving, the travel plans, the upgrades, and those well-deserved rewards all seem within reach. But before going on a spending spree, it helps to take a step back. Your bonus is more than just extra cash. It’s an opportunity to reset, restart, and strengthen your financial future.
Here’s how to make the most of it, powered by Maya, the #1 Digital Bank and #1 Fintech Ecosystem in the Philippines.
Give Every Peso a Purpose
Your bonus isn’t a windfall. It’s a strategy. Before anything else, give every peso an assignment. A simple split works best:
- 50% for bills and responsibilities
- 30% for fun and rewards
- 20% for savings or investments
Spending is not the problem. Unplanned spending is. When you shop or pay bills, make every transaction intentional. Use Maya to pay for gifts, groceries, or holiday expenses. This season, Maya is giving both you and your chosen referral a chance to become TWINYONARYOS—each winning ₱1 million.
Those using Maya Easy Credit get 5x more entries. And for every successful referral using your @username, you earn 10x more entries. That’s how you turn smart spending into even smarter opportunities.
Grow Your Bonus for the Future
Many lose track of their bonus because it sits in one account and disappears quickly. To avoid that, park your money where it can grow. Maya offers several tools designed to help you save and plan effectively.
Start with Maya Savings, which offers up to 15% p.a. interest credited daily. Watching your balance increase every day is a strong motivator to stay consistent. Even putting a portion of your bonus here can give you a solid start for 2026.
Next, organize your financial goals with Maya Personal Goals. It allows you to create up to five goal accounts, each earning a base interest rate of 4% that increases as your deposits grow. For every ₱20,000 you add, your rate rises, reaching up to 8% p.a. for deposits up to ₱100,000. Set one goal for emergencies, another for travel, one for home improvements, and others for large purchases or future plans. No lock-ins. No restrictions. Just clear goals and growing money.
For steady and predictable returns, Time Deposit Plus offers guaranteed rates of up to 6% p.a. for 3, 6, or 12 months on deposits up to ₱1 million per account. You can open as many as five accounts, allowing total deposits of up to ₱5 million.
Unlike traditional time deposits, you can continue adding funds anytime, even after reaching your target. It’s ideal for those who want the structure of a time deposit but with added flexibility. These options help your bonus work harder while you maintain control over your finances.
Build Your Financial Safety Net
Emergencies never announce their arrival. Unexpected expenses can derail even the best plans, but your bonus can change that. Use this time to strengthen your emergency fund.
You can boost your savings with Maya Savings or create a specific Personal Goal for emergencies. If an urgent need arises, Maya Easy Credit gives instant access to funds without paperwork or collateral. It helps you cover expenses without touching your savings.
Planning for uncertainty builds stability. It ensures that when life throws a curveball, you’re ready to handle it with confidence.
To learn more, visit maya.ph or mayabank.ph and follow @mayaiseverything on Facebook, Instagram, YouTube, and TikTok for updates.
Maya Philippines, Inc. and Maya Bank, Inc. are regulated by the Bangko Sentral ng Pilipinas (www.bsp.gov.ph). Deposits are insured by PDIC up to ₱1 million per depositor.
