# Maya – savings, loans, cards — BSP-licensed banking and more

> Digital banking app for savings, loans, credit cards, payments, and investments. (iPhone/iPad app by Maya Philippines, Inc..)

- Source: https://appshunter.io/ios/app/maya-savings-loans-cards/id991673877 (this page in markdown: same URL + `.md`)
- Developer: [Maya Philippines, Inc.](https://appshunter.io/developer/991673876)
- Category: Finance
- Price: Free
- Rating: 4.60/5 from 3,826 App Store ratings · 564 written reviews indexed
- Age rating: 4+
- Requires: iOS 14.0 · 325 MB
- Languages: American English
- Released: 2016-06-06
- Data updated: 2026-08-26
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/maya-savings-loans-cards/id991673877/reviews.md

## What is Maya?

Know why it feels good to get banked with Maya? You can experience next-level digital banking with the safety of a bank and convenience of a wallet.

With Maya, you can start saving money and earn up to 15% interest p.a. every day, loan up to P250,000 in seconds, enjoy instant rewards with your credit card, pay and shop with your Maya Credit and Wallet Card worldwide, and scan any QR Ph to pay for anything.​

SAVE​​
• Why let your money burn when you can earn up to thousands in interest on Maya Savings?
• Start banking with just 1 valid ID, deposit your money, and enjoy up to 15% interest p.a. that's credited to you every day.
• That's literally free money every 24 hours to your savings account.​ Grow your money with Maya Bank now!

CREDIT CARDS​
• Instant shopping rewards and next-level security – that's what you get with a Maya credit card.
• Apply for a Maya Black Credit Card and earn instant Maya Miles that can take you closer to your next trip, or get a Landers Cashback Everywhere Credit Card and earn up to 5% cashback that you can spend at any Landers Superstore.​
• Credit card application and offer are subject to approval.​

SHOP & PAY​​
• All the features you need to send money, shop online, pay your bills, and other banking and wallet transactions are right here, too.
• Get a Maya Wallet Card or Credit Card and use it worldwide or make transactions and shop at your favorite local shops.
• Scan any QR Ph to pay cash transactions conveniently from your wallet.​

INVEST​​
• You’ve got plenty of ways to explore your money's potential through crypto and funds.
• Buy, sell, and trade Bitcoin, Ethereum, and other popular cryptocurrencies for as low as P1 or try Maya Funds and invest in world-famous companies for just P50.​​

BORROW​​
• When you're ready for some big life upgrades, get a Personal Loan of up to P250,000 instantly.
• Use Maya Easy Credit to loan up to P30,000 and use it to pay your bills, shop, or give your everyday money a boost.​
​
Loan application is subject to credit evaluation. See below for loan terms:​

• Credit limit amount: P15,000 - P250,000​​
• Monthly add-on interest rate: 0.77% - 2.57%​​
• Monthly effective interest rate: 1.4% - 4.25%​​
• Tenure: 6 - 24 months​​
• Max. annual APR: 30.78%​​
• Applicable DST and other fees: Waived​​
• Late fee (daily) on overdue principal: 0.17%​​​

Sample computation​​
• Loan amount: P25,000​​
• Monthly add-on interest rate: 0.83%​​
• Tenure: 6 months​​
• DST/fees: P0​​
• Monthly installment amount: P4,374.17​​
• Total repayment amount: P26,239.19​​
• Daily penalty: 0.17%​​​

Maya is a proudly licensed bank regulated by the Bangko Sentral ng Pilipinas. Deposits are insured by PDIC up to P1,000,000 per depositor.​ Terms and conditions apply.​

For 24/7 assistance, visit the Help Center on the Maya app. You may also call us from 8 AM to 7 PM daily at (+632) 8845 7788​ or toll-free at 1800 1084 57788.​
​
Office Address: Launchpad Building, Sheridan St., Mandaluyong, Metro Manila, Philippines​

## Key features

- High-interest savings accounts
- Personal loans up to P250,000
- Credit cards with rewards
- Cryptocurrency and fund investments
- Bill payments and online shopping
- QR Ph payments
- Worldwide card transactions

## What do users think of Maya?

Overall sentiment: negative

**Pros**

- 🚀 Fast and convenient
- 👍 User-friendly interface
- 💳 Integrated banking services
- 💰 Cashback and savings features

**Cons**

- 🐛 Frequent app crashes and bugs
- 🤖 Unhelpful or unresponsive customer support
- 🔒 Unreliable verification and security issues
- 💸 Unexpected fees and charges

**Commonly reported bugs**

- Face authentication failures
- Inability to transfer or withdraw funds
- Persistent login and verification issues
- Delayed or failed transactions

**Most requested features**

- Email or alternative OTP options
- Improved account recovery process
- Seamless integration with other services
- More transparency on policies and fees

## Recent user reviews (10 of 564)

All indexed reviews: https://appshunter.io/ios/app/maya-savings-loans-cards/id991673877/reviews.md

### 1/5 — no others means to communicate call lang… no access sa maya..cant login

*2026-08-07*

ang hirap sa maya kapag nawalan ka ng access… tpos cant complain dahil wla silang email pra mg reklamo or to inquire need pa mglogin sa app nila..which is ang tagal dumating ng code unlike gcash.. never had this problem even im outside the country… need to call pa…eh wla nga ako sa pinas wla ibang means to communicate with them… sobrang hassle lang…

### 1/5 — Keeps refunding Smart load purchase

*2026-07-29, version 2.141.0*

The app wont let me buy Smart prepaid load even if I have more than enough funds!

### 1/5 — Is there any upgrade of the system right now?

*2026-07-15*

I can not do some payment.

### 1/5 — Customer service bot and customer service

*2026-07-11*

I have an issue on a duplicate account which is abnormal. Its been 2 years I haven’t used maya and post using maya again this werk l am notified of having a duplicate account which I am unaware of.

AI Bot wont transfer me to a live agent even though the bot cant help me further on my concern post the ticket has been created which takes 10 business days to complete the process.

Customer service rep wont confirm the details I am asking pointing out security concern/privaty etc. What can be breached or cause a security concern if you can just confirm me the last 2 digit of the number used on the duplicate account for me to confirm if its really me who opened the other account or not?

### 1/5 — Surprised and Dismayed

*2026-07-07*

I received my reward as a new client around 2pm and the same rewards got “expired” as per the agent around 6pm. I am asking for a copy of the terms and conditions that I have to use it immediately (as per the agent). But insisted that they cannot tell exactly when a reward expires. Deleting my account because Maya is not transparent!!

### 5/5 — I love this maya

*2026-07-02, version 2.137.0*

Its really help alot for easy  sending money and accepting money

### 1/5 — Terrible on boarding process

*2026-06-16*

I followed all tedious instructions several times only to find out information did not match the documents. Why not take them from the documents.? Extremely outdated on boarding. Will try to use credit cards when possible. And no way to log a ticket that works. No one answering on the phone. 
I got the response Maya, telling me to call numbers that don't work, and asked for a ticket number when I can't open tickets. Let me know if there is a contact that actually works.

**Developer response:** Hi Astadolfo, we’re sorry to hear about your experience and understand how frustrating it must be to go through the verification process multiple times, only to encounter issues with your information and have difficulty reaching support. We’d like to help look into this further. If you have an existing ticket number, please share it with us so we can check. You may also contact 📞 02 8845-7788 or 📞 1800-1084-57788 (toll-free) for assistance.

### 1/5 — Worthless app

*2026-06-16, version 2.137.0*

Can’t past facial recognition garbage. Trash.

### 1/5 — No way to upgrade an account

*2026-06-15, version 2.137.0*

If you have a foreign passport do not even try to get your upgraded account. It always fails with “your passport is invalid” error. Support is absolutely useless they just keep saying go and upgrade your account and it doesn’t matter that you basically call them because you can’t upgrade it.

### 1/5 — Overlimit fee of 750/closing my account

*2026-06-07, version 2.136.0*

The overlimit fee is 750, my overlimit amount was only 200. When i used it again the fee is already added but you cant go beyond your limit. I don’t understand is if i cant go beyond my limit it shouldn’t go through the first time right? when i was overlimit for 200 it should have been cancelled but no they want to Charge you 750 fee. And when i tried closing my account many many many times they ended the chat the chat support will end my chat even if i continuously send messages. They are so bad customer service very bad

## Frequently asked questions about Maya

### What can I do with the Maya app?

The Maya app provides a full suite of digital banking services. You can open a savings account that earns high interest daily, apply for personal loans, get credit cards with rewards, invest in cryptocurrencies and funds, pay bills, shop online, and make QR Ph payments.

### How can I earn money with Maya?

You can earn money by opening a Maya Savings account and depositing funds, which can earn up to 15% interest per annum, credited daily. Additionally, you can earn rewards like cashback or miles with Maya credit cards, and potentially profit from cryptocurrency or fund investments.

### What are the loan options available?

Maya offers personal loans of up to P250,000 and Maya Easy Credit for smaller amounts up to P30,000. Loan applications are subject to credit evaluation, with terms varying based on the loan amount and chosen tenure.

### Is Maya a safe and regulated app?

Yes, Maya is a BSP-licensed bank regulated by the Bangko Sentral ng Pilipinas. Your deposits are insured by PDIC up to P1,000,000 per depositor, ensuring the safety and security of your funds.

### Can I use my Maya card internationally?

Yes, you can use your Maya Wallet Card or Credit Card worldwide for transactions and shopping at your favorite local shops. This allows for convenient global spending.

## Version history (last 5 releases)

### 2.143.0 — 2026-08-21

Already have a Maya Credit Card? You can now apply for a second one and earn both cashback and miles.

• Enjoy one shared credit limit for both Maya Credit Cards. Flexibly spend with either card without having to track separate credit limits.
• Each card has its own statement and due date, so you can pay each bill separately.
• See your spending per card, check how much credit you have left, and manage both cards in the Maya app.

More features, fixes, and enhancements await. Update now!

### 2.142.3 — 2026-08-08

Enjoy these helpful upgrades to make your experience with Maya easier and more secure:
 
• If you’re using a trusted device, you may now verify some Send Money transactions with a quick fingerprint or face ID instead of an OTP.
• You can now see pending credit card payments in your transaction history while merchants process them.
• If your Maya Crypto portfolio includes USDC, you can now see it in the Savings tab. Crypto amounts also show more decimal places for added accuracy.

### 2.142.0 — 2026-07-31

Enjoy these helpful upgrades to make your experience with Maya easier and more secure:
 
• If you’re using a trusted device, you may now verify some Send Money transactions with a quick fingerprint or face ID instead of an OTP.
• You can now see pending credit card payments in your transaction history while merchants process them.
• If your Maya Crypto portfolio includes USDC, you can now see it in the Savings tab. Crypto amounts also show more decimal places for added accuracy.

### 2.141.0 — 2026-07-22

This update includes some small fixes and improvements for a more effortless experience while using Maya. Enjoy!

### 2.140.0 — 2026-07-12

This update includes some small fixes and improvements for a more effortless experience while using Maya. Enjoy!

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-26.*