Philippines
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Maya
Philippine digital bank and wallet that outgrew the e-money label.
Rate this app
7.2Solid
AlternativesOur take
Desk verdict
Label Maya Bank deposits as PDIC-eligible products and the wallet as EMI. That sentence is the review.
Maya (PayMaya) holds a BSP digital-bank licence alongside an e-money heritage. GCash remains the wallet competitor. PDIC is for the bank, not every peso in the app.
Maya lists Digital bank + EMI heritage under Bangko Sentral ng Pilipinas in Philippines. On safeguarding we currently write: PDIC on digital-bank deposit products; wallet balances follow EMI rules. Holder / issuer line: Maya Bank, Inc.. An AML programme is claimed. There is no IBAN-class local rail on the flags we store. We list 1 live markets on the product. As we score the sticker: monthly Free wallet · bank products vary; FX On overseas card spend; ATM Cash-in / cash-out fees via partners; interest Maya Bank savings promotions. This desk would open it for: Philippine residents who want bank + wallet in one super-app.
What it does well: Digital bank licence; Scale vs GCash on the bank side; Everyday rails. What to watch: Wallet vs bank confusion inside one app; Not for non-residents. Desk score 7.2 / 10 (safety 7.4, fees 8.2, features 8.2, app 8.2). Last verified 2026-08-01. Headquartered in Pasig, Philippines; founded 2001. None of this is advice — it is a file so you can read the entity before the card colour.
Best for: Philippine residents who want bank + wallet in one super-app.
Pros
- +Digital bank licence
- +Scale vs GCash on the bank side
- +Everyday rails
Cons
- −Wallet vs bank confusion inside one app
- −Not for non-residents
How it actually works
- Custody
- EMI safeguarded funds
- Local rails
- Crypto on-ramp
- Built for
- Personal
- Settlement
- App-ledger instant; bank rails per corridor
- Review risk
- Compliance holds on fiat ramps are common
- Pay surface
- visa · physical · virtual · Google Pay
Safety
PDIC on digital-bank deposit products; wallet balances follow EMI rules
Holder / issuer: Maya Bank, Inc.
- Bangko Sentral ng PilipinasDigital bank + EMI heritage · Philippines
Fees
- Monthly
- Free wallet · bank products vary
- FX markup
- On overseas card spend
- ATM
- Cash-in / cash-out fees via partners
- Interest
- Maya Bank savings promotions
Features
- –IBAN
- ✓Fee-free core
- –Multi-currency
- –Apple Pay
- ✓Google Pay
- ✓Virtual card
- ✓Physical card
- –Metal card
- ✓Crypto
- –Stocks
- –Business
- –Kids
- –Halal
- Wallet and digital bank
- Bills, QR, send
- Credit and savings
- Crypto adjacency (product-dependent)
Score
- Safety25%
- 7.4
- Fees20%
- 8.2
- Features15%
- 8.2
- App15%
- 8.2
- Global15%
- 3.6
- Support10%
- 6.6
Change log
Full logNo dated notes yet. When the licence, fees, or status moves, it lands here.
Available in
FAQ
Is Maya a bank?+–
Maya is not a licensed deposit-taker in the classic sense. Money, if any, sits with Maya Bank, Inc..
How is money protected?+–
PDIC on digital-bank deposit products; wallet balances follow EMI rules
Where is Maya available?+–
We list 1 market desk on the desk. Residency and onboarding rules still sit with Maya.
Card and wallets?+–
visa · physical · virtual · Google Pay
Ratings and reviews
No published user reviews yet. The desk score still comes from licence, fees, and the product — not from a empty star average.
Alternatives
Full alternatives page
activeFeaturedNeobankCrypto card
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activeHalal bankingNeobank
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- Freemium / subscription SKUs — confirm live