December 5, 2025

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.

Maya is the #1 Fintech Ecosystem in the Philippines, with Maya, the #1 Digital Bank, and Maya Business, the #1 Omni-Channel Payment Processor. Maya Bank is a digital bank regulated by the Bangko Sentral ng Pilipinas (BSP), with deposits insured by the Philippine Deposit Insurance Corporation (PDIC) up to ₱1 million per depositor. To learn more about Maya, check out maya.ph and mayabank.ph. Follow Maya at @mayaiseverything on Facebook, Instagram, YouTube, and TikTok and @mayaofficialph on Twitter.

July 3, 2025

Here’s a breakdown of the top money mistakes that slow down your savings, and how Maya helps you fix each one with features that are actually built for how we spend, save, and manage our lives today.

Most people think the only way to grow your money is to not touch it. So you leave it in some low interest savings account, hoping it magically multiplies. But what if your money could grow while you’re out living your life?

How Maya Fixes it:

Maya flips the script. You don’t have to pause life just to save—because Maya makes your everyday spending part of your savings strategy. Every time you use Maya for your transactions you boost your savings interest up to 15% p.a. You’re literally growing your money while buying milk tea, booking flights, or shopping for new fits. The best part? Interest is credited daily, so you can see your money grow in real-time.

Saving without a target often leads to spending without intention. Without a clear goal, your savings can feel abstract and easier to dip into.

How Maya Fixes it:

Maya’s Personal Goals feature lets you create custom savings buckets for specific needs (think: emergency fund, travel, tuition, gifts). You can set a target amount and track your progress while earning up to 4% interest per annum. Saving with a purpose keeps you focused and motivated.

One unexpected expense like a medical bill or home repair can wipe out months of savings if you don’t have a backup plan.

How Maya Fixes it:

Maya offers Easy Credit , a revolving credit line built into the app where you can borrow up to ₱30,000 instantly when you need extra funds, with no documents required. It’s easy to manage with transparent terms and up to 30 days to pay your used credit. You can also apply for Maya Personal Loan that gives you up to ₱250,000 with no collateral needed. You can pay your loan up to 24 months, making repayments light on the pocket.

When your money is scattered across apps and accounts, it’s hard to get a clear picture of your financial health.

How Maya Fixes it:

Maya combines banking, payments, credit, savings, and investments all in one place. Whether you’re shopping online, sending money to a friend, paying bills, or saving for the holidays, you’re doing it all from one app helping you stay organized and in control.

When you don’t set a cap on how much you can spend, it’s easy to go over budget — especially when everything from food to online sales is just a few taps away.

How Maya Fixes it:

With Maya, you can transfer only what you plan to spend from your Savings to your Maya Wallet, your dedicated fund for payments and daily expenses. Use it to shop with your Maya prepaid card, pay bills, or scan to pay. It’s a simple but effective way to separate savings from spending and stick to your budget without overthinking it.

Fixing your finances doesn’t require a total lifestyle change. Sometimes, it’s just about using the right tools. Maya gives you everything you need to save smarter, borrow when necessary, invest with ease, and take control of your money without the usual stress.

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

Maya is the #1 Fintech Ecosystem in the Philippines, with Maya, the #1 Digital Bank, and Maya Business, the #1 Omni-Channel Payment Processor. Maya Bank is a digital bank regulated by the Bangko Sentral ng Pilipinas (BSP), with deposits insured by the Philippine Deposit Insurance Corporation (PDIC) up to ₱1 million per depositor. To learn more about Maya, check out maya.ph and mayabank.ph. Follow Maya at @mayaiseverything on Facebook, Instagram, YouTube, and TikTok and @mayaofficialph on Twitter. 

January 11, 2023