Many struggle to save, spend smarter, and break free from the cycle of “budol” buys. Plans to get finances together often turn into another “next time” situation. Most people fall into performative money habits, meaning intentions do not match actions. Maya, the #1 Fintech Ecosystem and #1 Digital Bank in the Philippines, offers tools to replace old patterns with habits that actually grow your money.
Start Saving with Purpose
Treat saving like a priority, not an afterthought. Maya Personal Goals allows you to set specific targets for trips, gadgets, or emergency funds while earning up to 8% interest per year.
How it works:
- Create up to five Personal Goals in the Maya app
- Name each goal, set a due date and target amount
- Fund goals from your Maya Wallet, Maya Savings, or another bank
Each goal earns 4% interest per year immediately. Deposits of ₱20,000 or more increase the rate, up to 8% per year for amounts up to ₱100,000. There are no lock-up periods or penalties, keeping your money flexible while growing.
Make Every Spend Work Harder
Spending can also help grow your money. Maya Credit Cards boost savings interest up to 15% per year and unlock additional rewards.
- Use your Maya Credit Card to earn up to 20% cashback on dining anywhere until December 31, 2025
- Maya Landers Credit Card gives 5% cashback at Landers for grocery or bulk shopping
- Maya Black Credit Card earns Maya Miles for every purchase so your daily spending can take you places
Control Credit and Use It to Build Your Future
Credit can be a powerful tool for growth when used responsibly. Maya Black Express is ideal for first-time credit card users. A one-time Express Deposit starting at ₱12,500 sets your spending limit. This deposit stays in Maya Savings, earning 3.5% interest while you use your card.
Every purchase helps you build your credit score, bringing you closer to qualifying for the full Maya Black Credit Card and all its lifestyle perks in as fast as six months.
Start Where You Are and Scale with Time Deposit Plus
You do not need a pay raise to start growing your money. Maya Time Deposit Plus helps your savings grow consistently.
- Lock funds for 3, 6, or 12 months
- Earn rates up to 6% per year on deposits up to ₱1 million per account
- Open up to five accounts for a total of ₱5 million in interest-earning deposits
You can continue adding funds even after reaching your target. Time Deposit Plus combines the structure of a time deposit with the flexibility of modern saving.
Breaking from performative habits starts with one small, intentional change. Maya makes that change rewarding, simple, and smart.
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.
