Maya review
Updated October 13, 2026 · VaultCue Editorial Team
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Our verdict
Maya is known for its all-in-one digital bank app that joins a wallet, savings, loans, cards, crypto and stocks in one place. You trade branch banking for app control, and you gain a single hub for sending, shopping, saving and growing money in the Philippines.
Key facts
Savings
Money transfer
Facts checked September 26, 2026, 6 sources
Pros and cons
Pros
- Combines wallet, savings, loans, cards and crypto in one app
- Lets you send money with a username instead of bank details
- Offers physical and virtual cards for in-store and online spending
- Supports crypto and stocks alongside savings for growth
Cons
- Operates as a digital only service for customers in the Philippines
- Centres everyday banking around its own app and wallet cards
- Covers investing only through crypto and stocks inside the app
Who it suits
- People who want wallet and savings together in an app
- People who send money by username or phone number
- People who want cards, loans and investing options together
Who should look elsewhere
- People who prefer branch based banking
- People outside the Philippines
How Maya compares
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 products does Maya cover?+
Maya covers an e-wallet, savings, loans and credit cards in one app. It also supports crypto activity and stock style growth options. You can send, shop, save and grow money without leaving the app.
Where does Maya operate?+
Maya serves customers in the Philippines through its digital bank app. Its positioning refers to activity in the Philippines and the PH market. You manage the wallet, savings and cards from within the country.
How does sending money with Maya work?+
Maya lets you send money using the receiver’s username. You enter the @username instead of memorising account numbers. You can also send money through a phone number.
What cards does Maya offer?+
Maya offers a physical black card that carries your @username. It also offers a virtual wallet card for online or in-store shopping. A separate Landers card combines membership with credit card use.
Where is Maya based?+
Maya is based in Philippines. (Source, checked September 26, 2026)
How can I contact Maya support?+
Maya offers support through Help-centre, Phone. (Source, checked September 26, 2026)
Sources
- bsp.gov.ph checked September 26, 2026
Backs: Licences
- maya.ph checked September 26, 2026
Backs: Delivery time
“Instantly send money through QR code or phone number”
- maya.ph/send-money checked September 26, 2026
Backs: Payout methods
“Send Money to another Maya account ... How to Send Money from Maya to Maya Center ... Send Money from Maya to a bank”
- maya.ph/terms-and-conditions checked September 26, 2026
Backs: Fee to send 1,000
“Send Money Maya to Maya - Free”
- mayabank.ph checked September 26, 2026
Backs: Legal entity, Pricing model, Support channels
“Maya Bank, Inc. is regulated by the Bangko Sentral ng Pilipinas”
- 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/savings checked September 26, 2026
Backs: Access terms, Account kind, Features, Headquarters, Minimum deposit, Rate type, Transfer fee
“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 7 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Monthly fee, Licence type, Deposit protection, Currency conversion fee, Currencies.