Up Bank vs Maya Bank.
Up Bank (U55/100) and Maya Bank (M50/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Up Bank leads Maya Bank 4-0.
| M Maya Bank №79 · BSP 50 /100 | U Up Bank №60 · PRA 55 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 50 /100 | 55 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 2.00% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Payment inst. BSP | Payment inst. PRA |
| Deposit guarantee Per depositor | Safeguarded PH.PDIC | Safeguarded AU.FCS |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | No |
| UX | ||
| Trustpilot Customer score | — | 4.0 ★ 2k reviews |
| App store iOS + Android avg | 4.5 ★ iOS 4.5 · And 4.4 | 4.8 ★ iOS 4.8 · And 4.7 |
| Read review → | Read review → | |
Pick Maya Bank if…
Voyager Innovations digital bank arm — Philippines BSP digital banking licence (one of 6). Maya super-app heritage (formerly PayMaya, ~50M wallet users). Strongest super-app distribution among PH digital banks. PDIC cover.
Pick Up Bank if…
Australian neobank built on top of Bendigo and Adelaide Bank's APRA-regulated charter — direct FCS AUD 250,000 cover via the parent. Strongest Australian neobank UX for under-35 consumers; budgeting and pay-day forecasting are best-in-class. No FX markup makes it travel-friendly.
- Best for fees Up Bank won 1 of 4
- Best for protection Tied
- Best for reach Tied
- Best for ux Up Bank won 2 of 2
Up Bank vs Maya Bank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Maya Bank better than Up Bank?
Under our v3 methodology, Up Bank leads Maya Bank 4–0 across 12 dimensions. Composite scores: Maya Bank 50/100 vs Up Bank 55/100. Up Bank is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Maya Bank or Up Bank cheaper?
Monthly fee — Maya Bank: €0; Up Bank: €0. Card FX markup — Maya Bank: 2.00%; Up Bank: Interbank. Up Bank wins more fee rows (1 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Maya Bank or Up Bank?
Maya Bank holds a Payment inst. licence under BSP; deposit guarantee per depositor: Safeguarded. Up Bank holds a Payment inst. licence under PRA; deposit guarantee per depositor: Safeguarded. Both score equally on regulatory protection rows.
Where can I use Maya Bank and Up Bank?
Maya Bank operates in 1 country; Up Bank operates in 1 country. Check each provider's signup page for the live country list — eligibility depends on residency, not just the licence footprint.
Want a 3- or 4-way comparison?
The dynamic compare picker handles up to four banks. Add this pair plus one or two more and we'll resolve every row.