For many Filipinos, payday doesn’t bring relief—it’s just the start of another sprint toward the next bill. But Maya, the country’s leading digital bank, aims to change that with a suite of tools designed to help users manage money smarter and grow financial stability without the complexity of traditional budgeting.

Instead of waiting for the end of the month to see what’s left over, Maya encourages users to prioritize saving the moment their income lands. Through Maya Savings, users can earn up to 15 percent per annum interest, credited daily. The high interest applies to the first P100,000 in deposits and requires no lock-in period.

“Maya helps you build financial breathing room and long-term stability—no spreadsheets required,” the bank said in a statement.

By integrating everyday spending with savings, Maya rewards customers for simply using the app. Routine transactions such as bill payments, groceries, and online shopping automatically boost your savings interest rate, creating what the company describes as a "system that works with your lifestyle, not against it."

For users with multiple financial goals, Maya Personal Goals offers the ability to create up to five separate savings pockets, each earning a base interest rate of 4% p.a. Whether it’s for rent, tuition, travel, or an emergency buffer, users can track each goal without mixing up priorities.

Need extra cushion for unexpected expenses? Maya offers Easy Credit — a built-in revolving credit line of up to P30,000, accessible directly through the app. Approval is subject to credit evaluation, but once approved, users can tap into it for emergencies, late bills, or essentials.

One of Maya’s key selling points is simplicity. All banking functions — savings, credit, payments, and rewards—are rolled into one intuitive mobile platform. “One app, total control,” the bank emphasized.

“You shouldn’t have to overhaul your lifestyle to feel more secure with your money,” Maya added. “Maya is designed to help you make the most of what you have, plan with confidence, and stop living from one cutoff to the next.”

Maya Bank and Maya Philippines, Inc. are regulated by the Bangko Sentral ng Pilipinas. Deposits are insured by the Philippine Deposit Insurance Corporation (PDIC) up to P1 million per depositor.