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Reviews / Maya Bank Edition №07 · 11 March 2026 · 1,700 words

Maya Bank,
reviewed.

BSP digital-bank licence (2022). Heritage in Maya Wallet (formerly PayMaya, ~14M Filipino users) — strongest super-app distribution in PH.

Editor
Stephan Kulik
Founded
2022
EU customers
5.0 M
min read
7 / ~1,700
Disclosure Maya Bank does not pay us a referral fee. This review is purely editorial. See the methodology → maya-bank · no_commission
80/100
Maya Bank is one of only six BSP-licensed digital banks in the Philippines — Maya Wallet's super-app distribution is the differentiator.
Rank #46 / 60APAC digital full-bank
CategoryAPAC digital full-bank
LicencePayment
Maya BankEdition №07
Licence
Payment institution
BSP (Bangko Sentral ng Pilipinas)
Deposit protection
PHP 500,000 (PDIC)
PDIC (Philippine Deposit Insurance)
Customers (EU)
5.0 M
As of 2026-Q1 — // TODO(verify)
IBAN
PH (PHP)
PHP primary; Maya Wallet integration
01
Reviews

Maya Bank, in full.

What Maya Bank is, in 2026

BSP digital-bank licence (2022). Heritage in Maya Wallet (formerly PayMaya, ~14M users). Backed by Voyager Innovations + KKR + IFC.

Safety and regulation

Direct BSP digital-bank licence; PDIC member with PHP 500,000 per-depositor cover.

Who Maya Bank is for

Use Maya Bank if: you're a PH resident already inside the Maya/PayMaya wallet ecosystem. Use GoTyme for GCash+Tyme partnership; Tonik for high-yield savings.

02
Pricing

Maya Bank's plans, side by side.

Maya Bank Account
Custom /mo
Free — BSP digital bank
  • Free — BSP digital bank
03
Scorecard

How we got to 80.

80/100
Same six dimensions we apply to every neobank in the index. Weights published; unchanged within an edition.
Regulation & safetyLicence class · DGS · resilience
25%64
Pricing & feesTransparent and competitive
20%88
Hands-on UXExtended primary-account test
20%85
FeaturesVaults · stocks · crypto · insurance
15%90
App stores iOS 4.5 · Android 4.4
10% 89
04 — Verdict

The Philippines' largest digital bank by user count.
BSP-licensed, PDIC-covered, ~14M Maya Wallet users feeding distribution.

Maya Bank holds one of six BSP digital-bank licences (granted 2022). Heritage in Maya Wallet (formerly PayMaya, ~14M Filipino users) provides the strongest super-app distribution channel in PH. Free Maya Bank account, savings products, PDIC cover up to PHP 500,000 (~USD 8.5K) per depositor. Backed by Voyager Innovations + KKR + IFC. The default Filipino digital bank for Maya Wallet–native users. Use Maya Bank if you're already inside the Maya/PayMaya ecosystem; use GoTyme instead if you want the GCash + Tyme partnership; use Tonik for high-yield-savings focus.

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Edition №07 · Updated 11 March 2026