Your Go-To Guide for Surviving Holiday Spending with Maya

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The holidays are basically here: malls are full, calendars are packed, and your group chats have get-togethers lined up left and right. But before you swipe, tap, or checkout your cart, do yourself a favor, and get your finances in formation.

Think of this as your quick holiday tune-up, the one that makes sure every peso works smarter for you, and every purchase is as painless as possible.

Here’s how you can still catch up and get holiday-ready with Maya:

Lock in your budget (and your goals)

If your “holiday budget” is still a mental note, now is the time to organize it for real. With Maya Personal Goals, you can set up to five savings targets, such as gifts, Noche Buena, travel, or anything else you need!

Each Personal Goal earns 4% interest per year immediately, and every ₱20,000 you add boosts your rate up to 8% p.a. for deposits up to ₱100,000. No lock-ins, no penalties. Perfect for making sure your bonus doesn’t mysteriously disappear after one shopping trip.

Treat yourself smart

Holiday meals, reunions, last-minute gifts, they all add up. But with Maya, they also pay off.

If you’re dining out, the Maya Credit Card’s 20% cashback dining promo lets you earn up to ₱1,000 cashback each month when you spend at least ₱2,500. And the perks don’t stop there; you also earn Maya Miles when you use your Maya Black Credit Card, or Landers points when you use the Landers Cashback Everywhere Credit Card.

Tap to Pay: Your new holiday superpower

No more wallet hunting in line. No QR fumbling. No OTP delays. With Maya on Google Pay, you can pay with just a tap wherever contactless payments are accepted — coffee runs, grocery hauls, airport shopping, bazaars, you name it. Add your Maya Credit Card to Google Pay and every tap automatically earns instant Maya Miles or Cashback so your rewards stack up faster while you breeze through the holiday rush.

Keep your peace and your funds intact

Your schedule might be a mess, but your money doesn’t have to be. In the Maya app, track your spending, savings, credit, rewards, and even your holiday cashback — all in one place.

And here’s the cherry on top: every ₱1,000 you spend with Maya, whether it’s on gifts, groceries, or dining out, earns you a raffle entry for a shot at ₱1 million. Win it, and Maya doubles the prize so your bestie also takes home ₱1 million. Yup, that’s a total of ₱2 million so you’re both 2winning this Christmas just by being smart with your spending.

Visit maya.ph or mayabank.ph, and follow @mayaiseverything on Facebook, Instagram, YouTube, and TikTok to stay updated. 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.

Your Bonus Just Dropped—Here’s How To Make It Work Harder with Maya

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Your 13th-month pay just landed and suddenly everything feels possible. The cart you’ve been “saving for later,” the holiday plans, the upgrades, the “I deserve this” moment. But before you go full haul mode, here’s a little reality check: your bonus is more than a treat. It’s a reset button, a jumpstart, and honestly, one of the best chances you’ll get all year to build a healthier relationship with your money.

So if you want to enter 2026 with your finances looking put together, here’s your guide — powered by Maya, the #1 Digital Bank and #1 Fintech Ecosystem in the Philippines.

1. Don’t spend blindly, give your money an assignment.

Your bonus isn’t a windfall, it’s a strategy. Before anything else, give every peso a purpose. Try this simple split:

· 50% for bills and responsibilities

· 30% for fun (yes, you can still treat yourself)

· 20% for savings or investments

When you do spend, make the swipe intentional. Pay for gifts, bills, groceries, and holiday outings with Maya, because this Christmas, Maya is giving you and your chosen referral a chance to be TWINYONARYOS—each winning ₱1 million! Using Maya Easy Credit? That’s 5x more entries. And here’s the ultimate power move: refer friends with your @username and earn 10x more entries per successful referral.

2. Park money for “future you”

Here’s where most people slip: everything goes into one account and poof, the bonus magically disappears. If you want yours to actually work for you, start by giving it a real home.

Begin with Maya Savings, where your money grows with up to 15% p.a. interest, credited daily so you literally watch your balance climb. Even moving just a portion of your bonus here helps you hit the ground running for 2026.

Then build structure with Maya Personal Goals, your best friend for financial boundaries. You can create up to five different goal accounts, each earning 4% base interest, with your rate increasing every ₱20,000 you add (up to 8% p.a. for deposits up to ₱100,000). Think: one for emergencies, one for travel, one for home upgrades, one for big purchases, one for long-term plans. No lock-ins. No stress. Just organized money that grows faster.

And if you're the type who wants your bonus to grow steadily and predictably, this is where Time Deposit Plus comes in. You can lock in your money for 3, 6, or 12 months with guaranteed rates of up to 6% p.a. on deposits of up to ₱1 million per Time Deposit Plus account. And because you can open up to five accounts, that’s as much as ₱5 million in total interest-earning deposits.

The best part? Unlike traditional time deposits, you can keep adding funds anytime, even after hitting your target amount. It’s perfect if you want the discipline and stability of a time deposit, but with way more flexibility.

This is how you protect your bonus from slipping through the cracks and make your future self genuinely proud.

3. Build a buffer for life’s curveballs.

Rainy days don’t schedule appointments and nothing derails your finances like an unexpected bill or repair. Your bonus is the perfect chance to finally build that cushion.

Boost your emergency fund using Maya Savings or set up a dedicated Personal Goal just for emergencies. And if life throws something bigger than expected? Maya Easy Credit gives you instant access to funds with no paperwork, no collateral, so you don’t have to touch your hard-earned savings when things get tough.

To know more, visit maya.ph or mayabank.ph, and follow @mayaiseverything on Facebook, Instagram, YouTube, and TikTok to stay updated. 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.

Smart and Maya unveil 'Power Savings' exclusive to Smart Postpaid subscribers

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Enjoy up to 7% per annum on Maya Savings with your Smart Postpaid account.

Mobile services provider Smart Communications, Inc. has partnered with all-in-one money app, Maya, to launch 'Power Savings,' an exclusive promo that enables postpaid subscribers to grow their savings faster.

Under the exclusive promo running from Jan. 16 to Feb. 28, Smart Postpaid subscribers with Plan 999 and up, and who have upgraded their Maya Savings account, can earn an interest rate of up to 7% per annum credited daily - from the base interest rate of 4.5% — one of the highest in the market.

This gives qualified postpaid subscribers a unique opportunity to grow their money faster and extra cash daily to help them achieve their financial goals.

Moreover, subscribers can enjoy FREE InstaPay transactions when they transfer funds from other banks to Maya and switch to Maya Savings.

To avail of Power Savings, eligible Smart Postpaid subscribers simply have to follow these steps:

First, join Maya and upgrade your account. First-time users can get up to PHP 60.00 Welcome Reward upon upgrade. 

Open a Maya Savings account and go to “Missions” in the app, look for “Smart Postpaid Exclusive” mission and enter the unique Smart Postpaid code (to be sent by Smart via SMS).  

Spend a minimum of PHP 999.00 using Maya on paying for your Smart Postpaid bill or any other bill, scanning to pay, paying with Maya card or shopping online. (Tip: Cash in at least PHP 1,500.00 via InstaPay and get a PHP 25.00 service fee cashback)

Enjoy the daily 7% saving interest rate (for up to PHP 100,000.00 end-of-day deposit balance)

All Maya Savings account holders may also avail of the FREE Maya Card, inside the app.  

Download the Maya App now  

Free to download and register, the Maya app packs a feature-rich e-wallet, an inclusive digital bank, and everything else you need to save, spend, grow, and manage your money—right from your smartphone.

The app is powered by its very own Maya Bank, a Bangko Sentral ng Pilipinas (BSP)-licensed and Philippine Deposit Insurance Corporation (PDIC)-insured bank to ensure that the money remains safe and secure. With its 99.9% uptime rate, users can expect their transactions to be seamless and with less downtimes. 

Maya was originally known as PayMaya, a leading e-wallet app in the Philippines. It recently rebranded to Maya as it evolved beyond payments with the launch of its own banking and crypto services. This makes Maya the Philippines’ first and only all-in-one money app as it brings together banking, crypto, and wallet features into a seamless customer experience. 

Register your Smart SIM 

Smart Postpaid’s exclusive partnership with Maya for subscribers is just one of the many ways the mobile services provider empowers customers with the best postpaid experience. 

On top of award-winning services, Smart Postpaid subscribers can expect more exclusive rewards and benefits this 2023.

To keep enjoying Smart's services and perks, postpaid subscribers are encouraged to complete their SIM Registration by confirming the personal information and IDs they submitted for their postpaid plan application. To do this confirmation, subscribers just need to text YES to 5858. They shall then receive a confirmation message from Smart upon successful SIM Registration and get FREE 3 GB data. 

Know the best Smart Signature Plan for your lifestyle at www.smart.com.ph/postpaid.

To know more about this exclusive offer, visit https://www.maya.ph/smartpostpaidoffers.

Start your 2023 savings journey with Maya, the all-in-one digital bank app!

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Get up to 6% interest p.a. for your savings account

Now is the best time to save your Christmas bonus and kickstart your 2023 ipon goals as Maya continues to give up to a 6% interest rate p.a. on your savings account! 

Maya already offers a high interest rate of 4.5% p.a., with earnings credited daily. It's easy to boost this to 6% on your first P100,000 for the next 30 days! 

All you need is to make your everyday payments with Maya. Simply spend an accumulated amount of PHP 250.00 when completing these transactions until February 28, 2023:  

• Pay via Maya QR code, card, or mobile number 
• Settle your bills via the Maya app 
• Buy load via the Maya app. 

By using Maya to pay for your utility bills or your groceries conveniently, you can boost your savings interest to 6% by another 30 days – so you can grow your money faster! Customers can enjoy this offer until February 28, 2023.

"We want our customers to be able to grow their savings even more just by doing everyday transactions. This is part of our mission to make money management as easy and as rewarding as possible," said Angelo Madrid, Maya Bank President. "On top of offering one of the highest savings interest rates in the market, Maya bundles innovative features and top-notch security so that it becomes the only app you'll need to efficiently and conveniently manage your money." 

With e-wallet, savings, credit, and crypto capabilities, Maya goes by its promise to be 'everything and a bank' for Filipinos. Its latest feature lets you send and receive money via a @username, making transferring funds safer, more personal, and as easy as tagging friends on social media. You can even use GIFs when sending money to friends and family, which is a first in the local fintech app industry. 

If you have specific saving goals, Maya's Personal Goals lets you compartmentalize your savings based on different purposes, be it a dream vacation, emergency funds, or business capital. 

The digital banking services in the Maya app are powered by Maya Bank, a Bangko Sentral ng Pilipinas (BSP)-licensed digital bank. Deposits up to PHP500,000 are insured by the Philippine Deposit Insurance Corporation. The top-rated app also enjoys a 99.9% uptime rate - users can expect their transactions to be seamless with less downtime. 

Completely free to download and register, the Maya app packs a feature-rich e-wallet, an inclusive digital bank, and everything else you need to save, spend, grow, and manage your money—right from your smartphone. 

To learn more, visit maya.ph and follow Maya Center on Facebook and @mayaiseverything on Instagram. 

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About Maya 

Maya is the all-in-one money and digital bank platform bringing Filipinos bolder ways to master their money. It is powered by a unique integrated financial services ecosystem that addresses the ever-evolving financial needs of today's generation through cutting-edge technology.  

Maya leads millions of Filipinos — consumers, businesses, communities, and government agencies alike — into a digital economy that's more inclusive, transparent, and empowering. Maya is powered by the country's only end-to-end digital payments company, PayMaya Philippines, and Maya Bank for digital banking services. 

 

Double up your shopping deals this 9.9 with Maya's unique free Bitcoin promo

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Getting your carts ready for the nationwide 9.9 sale? You can get a BIT more for your 9.9 shopping when you pay with Maya via Number, Card, or QR!

This 9.9, all-in-one money app Maya gives customers double the rewards when shopping for the best discounts and deals. Just pay with Maya at any Maya partner stores around the country and online to get free Bitcoin plus the chance to win PHP 1,000,000.00 worth of the popular cryptocurrency! You can enjoy this reward on top of the already sulit deals from your favorite stores.

Each eligible Maya transaction can give you free Bitcoin worth 1%, 10%, or 100% of your purchase (capped at PHP 500.00 monthly). For example, a PHP 500.00 purchase can guarantee either PHP 5.00, PHP 50.00, or PHP 500.00 worth of Bitcoin, which you can check in your crypto wallets after receiving an SMS notification.

On top of the free Bitcoin, each qualified and verified Maya payment will be equivalent to one raffle entry for a chance to win the coveted PHP 1,000.000.00 bitcoin prize. This first-of-its-kind promo will run until September 30, 2022.

Paying with Maya for your 9.9 hauls online or in-stores is super easy. Here are four ways you can pay to enjoy free Bitcoin!

For your online shopping at Lazada, Shopee, Zalora, Amazon, Agoda, Grab, FoodPanda, or any merchant that accepts Visa or Mastercard, just pay using your Maya virtual card! You'll find this when you click the 'cards' button on your app.

You can also use your Maya mobile number to pay for your online purchases at the Tiktok Shop, Lalamove, Philippine Airlines, Cebu Pacific, McDelivery, Jollibee app, Codashop, Midasbuy, and many more! Just proceed with these apps and websites, and complete your transactions by logging in to your Maya account for payment!

For in-store transactions, just scan-to-pay via Maya QR at stores like McDonald's, Jollibee, SM Store, Starbucks, Watsons, Shell, Petron, and many more!

You can also use your Maya physical card to pay at SM, Ayala Malls, Robinson's, Nike, H&M, Uniqlo, Waltermart, or wherever Visa or Mastercard are accepted! You can even pay using this card abroad!

"9.9 is a happy day for shoppers, and Maya's Bitcoin promo can make it even more rewarding for them. With free Bitcoin on top of multiple 9.9 deals from various brands, paying with Maya might just be the smartest way to spend this 9.9," said Pepe Torres, Maya Chief Marketing Officer.

"We want more Filipinos to experience the best of crypto through our seamless all-in-one money experience. On top of the rewards, it's also the easiest and most risk-free way to experience crypto – so pay with Maya now!" he added.

Cryptocurrencies are decentralized digital currencies that one can use to make transactions online. Crypto holders often wait for the value to increase and then sell them for a profit.

Maya is a licensed Virtual Asset Services Provider (VASP) authorized by the Bangko Sentral ng Pilipinas (BSP) to engage in the exchange of cryptocurrency and other virtual assets.

The Maya Crypto feature lets users buy, hold, and sell cryptocurrencies for as low as PHP 1.00, making it ideal for crypto novices and enthusiasts. Those who earn from crypto can reap the additional funds to pay bills, buy load, shop for groceries, or even save on their Maya Savings feature, which can grow even further by up to 6%.

Maya is the all-in-one money app bringing Filipinos bolder ways to master their money. It empowers users to manage all their finances in one app. Completely free to download and register, it packs a feature-rich e-wallet, an inclusive digital bank, and everything else you need to save, spend, grow, and manage your money—right from your smartphone.

Maya is powered by the country's only end-to-end digital payments company, PayMaya Philippines, and Maya Bank for digital banking services. To know more about Maya, visit maya.ph or follow @mayaiseverything on Facebook, IG, Tiktok, and YouTube and @mayaofficialph on Twitter. Join our Telegram community at https://t.me/TeamMayaPH