If your group chats have quietly rebranded themselves into “Siargao 2.0” or “Japan 2026,” that’s usually the cue: summer planning has officially begun. Flights are being shared. Leave credits are being filed. Outfit mood boards are slowly taking shape.
But here’s what’s different in 2026: trips don’t feel like spontaneous splurges anymore, they feel intentional.
According to recent findings, Millennials and Gen Z travelers aren’t just spending on travel. They’re planning earlier, booking more deliberately, and mapping out itineraries months ahead.
Vacations are being treated as something to build toward, not just swipe for. Financial preparation is becoming part of the process, right alongside Pinterest boards and shared spreadsheets.
That’s where Maya — the country’s #1 Digital Bank and leading all-in-one fintech platform — fits naturally into the picture. Because as the plans take shape, the travel fund should too.
Build the Fund Before You Book
Stress-free travelers don’t start saving two weeks before takeoff. They build dedicated funds early.
Whether it’s a cherry blossom reset, a long-overdue European milestone trip, or simply a beach escape, more users are setting up travel funds through Maya Personal Goals and contributing gradually over time. Instead of mixing airfare with grocery money, they separate everyday spending from future plans, ensuring rent money stays rent money, while travel money grows steadily in the background.
With Maya Personal Goals, users can create up to five separate savings targets and start earning 4% interest per annum immediately. Every ₱20,000 added boosts the interest rate, reaching up to 8% p.a. on deposits of up to ₱100,000, making it easier to grow funds faster without disrupting daily expenses.
Spend Strategically, Not Impulsively
Planning doesn’t mean stopping spending. It means making every spend work harder.
By keeping funds in Maya Savings and using Maya for everyday transactions, users can grow their savings while managing regular expenses. With up to 15% interest per annum and interest credited daily, your money doesn’t just sit, it grows consistently, day after day.
Spending, meanwhile, can also be strategic. The Maya Black Credit Card earns instant Maya Miles on all transactions: from flights and hotel bookings to groceries, bills, dining, and more. At Maya Black Preferred merchants, cardholders can earn up to 10X Maya Miles, helping rewards accumulate faster on select purchases.
Those Miles can later be used to offset future travel expenses, turning routine spending into practical value.
Frequent flyers also receive complimentary quarterly global lounge access, a tangible perk that upgrades departure days without the typical premium card fees. Globally accepted and designed for a digital-first lifestyle, the card complements how modern travelers move: cashless, connected, and prepared.
Even pre-trip dinners can work in your favor. Using the Maya Credit Card at participating restaurants gives up to 20% cashback straight to your Maya wallet, helping stretch budgets without cutting back on the send-off moments that make trips memorable.
Because optimizing spending doesn’t mean sacrificing joy. It means making it sustainable.
Summer memories feel better when they aren’t financed by future stress. So go ahead, book the flight, build the Pinterest board, plan the itinerary. Just make sure your travel fund is growing while you do.
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.
