Be ready anytime,
anywhere with Maya's lending products!

Find the right product for your needs!

  • Maya Credit
  • Maya Personal Loan
  • Maya Pay in 4

Maya Credit

Unlock a credit line of up to ₱30,000 that you can access anytime to pay for your bills, load, shopping, and quick emergencies

Borrow
up to ₱30,000

No documents
needed

Pay up to
30 days

Want to be a
partner merchant?

Maya Personal Loan

Fund your next big life upgrade with a loan of up to ₱250,000

Get your loan
in Maya Wallet instantly

As low as 0.77% monthly
add-on rate*

Add-on rate applies to a 24-month installment period. Terms and conditions apply.

Pay up to 24
monthly installments

Are you a merchant?

Maya Pay in 4

Break up big purchases into smaller, more manageable payments even without a credit card

Borrow
up to ₱18K

No documents
needed

Pay up to
30 days

Are you a merchant?

Not sure which product to get?

Here’s more information to help you decide

Maya Credit

Maya Personal Loan

Amount that you can borrow

Up to ₱30,000 credit limit Loan offer from ₱15,000 - ₱250,000

Document Requirements

No documents needed

For salaried
(Any of the following)

• Latest pay slip
• Certificate of employment and compensation
• Latest income tax return (ITR)

For self-employed

1. Proof of income
2. Business registration

Payment Terms

Up to 30 days Up to 24 months (Increasing to 48 months soon)

Service Fee

As low as 3.99% of the principal amount (subject to credit
evaluation)

The exact service fee will be reflected in your Maya App
and in the disclosure statement.
Waived
(Early access promo)

Documentary Stamp Tax (DST)

₱1.50 for every ₱200 of the principal
amount, multiplied by 30 out of 365 days
(subject to applicable laws and
regulations)
Waived
(Early access promo)

Interest

No interest charges*

*In compliance with regulation, the Effective Interest Rate
(EIR) only includes service fee and DST that are applicable
for your Maya Credit transactions.

As low as 0.77% monthly add-on rate for 24 months (1.40%
monthly effective interest rate)

The exact monthly add-on rate and its equivalent monthly
EIR will be reflected in your Maya App and
in the disclosure statement.

Late Penalty Fee

0.17% of unpaid principal amount per day until full settlement
 

Find out more

Find out more

Maya Credit

Amount that you can borrowUp to ₱30,000 credit limit
Document RequirementsNo documents needed
Payment TermsUp to 30 days
Service FeeAs low as 3.99% of the principal amount (subject to credit evaluation)
The exact service fee will be reflected in your Maya App and in the disclosure statement.
Documentary Stamp Tax (DST)₱1.50 for every ₱200 of the principal amount, multiplied by 30 out of 365 days (subject to applicable laws and regulations)
InterestNo interest charges*
*In compliance with regulation, the Effective Interest Rate (EIR) only includes service fee and DST that are applicable for your Maya Credit transactions.
Late Payment Fees0.17% of unpaid principal amount per day until fullsettlement

Find out more

Personal loan

Amount that you can borrowLoan offer from ₱15,000 - ₱250,000
Document Requirements

For salaried(Any of the following)

•Latest pay slip
•Certificate of employment and compensation
•Latest income tax return (ITR)

For self-employed

1. Proof of income
2. Business registration
Payment TermsUp to 24 months (Increasing to 48 months soon)
Service FeeWaived (Early access promo)
Documentary Stamp Tax (DST)Waived (Early access promo)
InterestAs low as 0.77% monthly add-on rate for 24 months (1.40% monthly effective interest rate)


The exact monthly add-on rate and its equivalent monthly EIR will be reflected in your Maya App andin the disclosure statement.
Late Payment Fees0.17% of unpaid principal amount per day until fullsettlement

Find out more

Enjoy hassle-free payments

Pay via the Maya app

On your Wallet dashboard, tap 'Pay bills'
and select 'Maya Bank'

Pay via Maya Center agent

Go to the nearest Maya Center, provide
your bill statement and proceed to
payment

Note: When paying, provide your account number and
the amount to be paid found in your billing statement
and/or Maya App. Expect your payment to be
posted within three (3) business days.

Reminder: We endorse all accounts with overdue payments to our partner collections agencies. Tap the button below to make sure you’re dealing with an accredited collections agency.

Partner Merchants offering
Maya Credit / Pay in 4

Merchant

Merchant A

Merchant B

Merchant C

Maya Credit

Pay in 4
(Coming soon!)​​

Partner Merchants

Shop at your favorite merchants accepting Maya Credit

Want to offer Maya Credit in your store?

Start by asking our product experts!

Get started now
Chat 3d image
FAQ

Frequently Asked Questions

You've got questions? We've got answers.

Need more answers?

  1. Go to the Credit dashboard in your Maya App and tap 'Sign up for Maya Credit.’
  2. If you're eligible for Maya Credit, you will see an 'Activate Now' button.
To become eligible for Maya Credit, complete your account and continue using Maya's other services actively.

You will be eligible for Maya Credit if you’ve met the following qualifications:

  • You are at least 21 years of age and not over 65 years old.
  • You have an upgraded account.
  • You’ve been actively using your account for the past six months.
  • You have a good credit standing.
Your eligibility for Maya Credit and your resulting credit limit are based on how frequently you use Maya’s services. The more consistently and actively you’ve used our services prior to applying, the higher your potential credit limit.

Here's how you can compute your charges when loaning from Maya Credit:

Sample Total Amount (Credit used) - ₱1,000.00

Add: Service Fee Charged (5% of used limit) - ₱50.00

Add: Documentary Stamp Tax (0.75% x 30/365 of used limit) - ₱0.62

Penalties incurred - assuming 5 days late: (0.17% x overdue principal balance x # of days late) - ₱8.50

Total Amount Due: ₱1059.12

It’s everything and
a bank. What more
could you need?

For existing PayMaya users, update your app to Maya
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Our Collections Partners

Agency Name Email Address Contact
Number
Collectius maya_servicing@collectius.com Landline: (02) 8249-9074 loc. 140
Mobile: 09998823789
MBA Consulting Philippines info@ph.mbacgroup.com Landline: (02) 700-27708
Mobile: 09088185135
AMG Collections Services, Inc. info@amgcollect.ph 632-83348906
RGS Recovery Management and Collection Services, Inc. rgsantos@rgsrecovery.ph 02-3765377
S.P. Madrid Corporation malegal@spmadridlaw.com Mobile:09285599619 / 09479937970
Landline: (02) 85386410
Cendana-Neri Credit and
Collection Services, Inc.
loretagabito.cendana@cnccsi.com 09176400833
TRADE NAME (DBA) INDUSTRY 1
OOMA Service
SOBAN KTOWN GRILL Service
HAPPY FOODS CORPORATION retail
HUCHI SOUTHEASTEATS retail
ULTRAMEGA food
DOMINOS PIZZA food
MANAM food
DIN TAI FUNG food
BOS COFFEE MAG food
EVER SUPERMARKET food
DIGITAL WALKER food
MAYA food
BAKE MY DAY food
ALL AMERICAN food
COFFEE PROJECT food
ALLGREEN food
GAP food
BANANA REPUBLIC food
ILLEST PHILIPPINES food
NUEXPRESS INTL TRVL food
ADIDAS ORIGINALS food
RONNIE AND JOE food
COMMONWEALTH food
PANDORA PHILIPPINES food
ATOKYO food
URBAN ESSENTIALS food
SOUTH STAR DRUG food
WILD FLOUR food
SHILIN food
LAURA MERCIER retail
LUXASIA RETAIL CORP retail
NARS food
LUXASIA RETAIL SPH food
SHISEIDO food
ADORA retail
RUSTANS DEPT STORE retail
LANDERS SUPERSTORE retail
SARIWON retail
SIBYULLEE retail
SAMSAM CHIKIN retail
SAN ROQUE SUPERMARKET retail
GOCARTSOUTHSTARDRUG retail
GOCART TOYS R US retail
GOCART DEPT STORE retail
GOCART TRUE VALUE retail
GOCART HANDYMAN retail
GOCART MARKETPLACE retail
GOCART SHOPWISE retail
GOCART SUPERMARKET retail
ARMYNAVY CC retail
RICE ROCKET retail
LIBERTEA MILKTEA retail
BONCHON retail
IPPUDO retail
VISION EXPRESS retail
BOSJAPSHOP retail
ALLDAY retail
PENSHOPPE retail
OXYGEN retail
MEMO retail
FORME retail
REGATTA retail
AEROWORX CORPORATION retail
NATIONAL BOOK STORE retail
ALLTOYS retail
ALLSPORTS retail
MARKETLIBERTY retail
FINDS SHOPIFY retail
ACOMMERCE INC retail
RB AIRBNB retail
RB ENFA PH retail
HMR SUCAT retail
SILVERWORKS retail
ABURI AT MADISON retail
ACCELER8 PHILS INC retail
MYSTERY MANILA retail
LYDIAS LECHON retail
A2Z2GO MARKETING CORP retail
I WANT TFC retail
ACCELER8 NOW INC retail
SACHI AND RASA retail
ACTIVEONE HEALTH retail
ADARNA HOUSE INC retail
ADCON ADS TRADING retail
ADVANCE SOLUTIONS INC retail
AETHERION retail
AF CELADON PARK retail
CARTEL DELI retail
1ROTARY retail
BANKBAR retail
O BAG STORE retail
DIMARKS PIZZA retail
DIMARKSPIZZA retail
AFMALABON INC retail
AFSUCAT INC retail
AGP retail
ANI VENDING MACHINE retail
THE REAL HAPPY COW retail
SHOPINAS retail
AIRSPEED retail
YOUR NORMAL retail
DON BOSCO MAKATI retail
THAMES INTERNATIONAL retail
GALILEO ENRICHMENT retail
GOLDEN ACHIEVERS retail
GOLDEN HAVEN retail
24 FGA PHILS INC retail
BANKBAR BGC retail
JCI MANILA INC retail
LA SALLE GREENHILLS retail
THE FEAST retail
INFINITUS PH retail
SHARE TREATS retail
ANYONE PAY retail
XPAY retail
YARDSTICK COFFEE retail
WOODROSE retail
PBSP retail
PIN retail
SOFA DESIGN INSTITUTE retail
ASSUMPTION AL ASSOC retail
NAIS MANILA retail
TRANSPOTEK retail
UST MNL OSRA retail
UST MNL ADMISSIONS retail
UST MNL AIS retail
UST MANILA retail
UFI retail
BEEPTOBOOK SERVICE retail
AUTOITALIA retail
TRANSPORTIFY retail
FORD GLOBAL CITY retail
FORD MANILA retail
ANGKAS retail
OLPMC retail
THE BAILIWICK ACADEMY retail
GEELY QUEZON AVE retail
GEELY SUMULONG retail
FOTON GMA CAVITE retail
MG OTIS retail
SUZUKI BGC retail
ACCS retail
NEXTHUB retail
PAINTHUB retail
VKOOL PHILS INC retail
JOYRIDE PH retail
JRPAY retail
JOYRIDE PH ONLINE retail
AMCHAM PHILIPPINES retail
AIM retail
ACADEMY CORP retail
BEAGIVER retail
BSI retail
CHRISTS COM FELLOWSHIP retail
MITSUBISHI retail
HYUNDAI PASONG TAMO  retail
MPT DRIVEHUB retail
MOTO PASIG retail
MOTO GREENHILLS retail
FORD PALAWAN retail
RENTHUB INC retail
HERMANOS LOCOS retail
VAMOS retail
ITOOH HOMESTYLE retail
MEMOXPRESS ONLINE retail
PICK A ROO retail
MERRYMART GROCERY retail
MERRYMART WHOLESALE retail
KUYA J retail
EVER SUPMKT BANGKAL retail
EVER SUPMKT POLO retail
EVER SUPMKT BAESA retail
EVER SUPMKT ROCES retail
EVERSUPMKT SANTOLAN retail
EVER SUPERMARKET retail
LANDERS retail
SUPER8 GROCERY food
ULTRAMEGA retail
SHERATON MANILA BAY Retail
PXOI Retail
PANDA EXPRESS communication
VIKINGS food
ZEN ROOMS food
REDDOORZ retail
CRIMSON BORACAY food
CHARLIES EL NIDO food
CHINGOLO food
CHINGOLO DELI food
8CUTS BURGERBLENDS food
UNWND FLASHTELS INC food
NIKKEI NAMA BAR food
HUE PUERTO PRINCESA food
HUE HOTEL BORACAY food
PUERTO PRINCESA food
NIKKEI food
KLSR food
KL TOWER food
Y2 RESIDENCE HOTEL food
PERI PERI food
GLORIA MARIS food
JOLLIBEE PHIL CB food
JBOI food
JKP OI food
JOLLIBEE ONLINE food
KASA LUNTIAN TAGYTY food
WOLFGANGS food
HILTON MANILA food
CHOWKING CK0001 CB food
P24OI food
GREENWICH food
CKOI food
GWOI food
PHO24 food
CHOWKING ONLINE food
GREENWICH ONLINE food
YABU food
CRIMSON MACTAN food
SHAKEYS food
FILIGREE food
HOLIDAY INN MAKATI food
SHERATON MNLA HOTEL food
FELIZ HOTEL BORACAY food
THE PICASSO BOTIQUE food
THE SPHERE SVC RES food
STARTOSPHERE food
OOMA food
SOFITEL PHIL PLAZA food
PRIVATO HOTEL QC food
RED RIBBON food
RED RIBBON REGALO food
RED RIBBON ONLINE food
HPPYFOODSCRPORATION food
SIBYULLEE food
SOBAN KTOWN GRILL food
SARIWON food
BURGER KING AP CB food
BKOI food
CLASSIC SAVORY food
WHITEROCK BEACH food
CITY OF DREAMS food
PARQUE ESPANA food
THE EXCHANGE REGENCY food
SHAWAWAMA food
MO COOKIES food
MANG INASAL food
MANG INASAL ONLINE food
CAFE MARY GRACE food
PRIVATO HOTEL MAKATI food
PRIVATO HOTEL ORTGS food
285 LA TRINIDAD food
412 CITY HALL INSULAR food
451 BAGUIO BONI food
472 SUBIC BAY GATEWAY food
287 SM LUCENA food
762 CAYETANO BLVD food
337 C5 METROPOLI food
493 NOVA BAYAN food
MCDONALDS food
SMEG food
284 OLONGAPO RIZAL food
MARRIOTT HOTEL MNL food
MARRIOTT ILOILO food
HUCHI SOUTHEAST EATS food
544 SOUTHCOAST CEBU food
571 AS FORTUNA food
TMCF food
IFGI food
TOKYO MARKET PH food
KAI PROTECT  food
HARU CLEAN food
WLFGNGSSTEAKHOUSEPH food
WGSPACIFICAINPODIUM food
WGSPACIFICAINBGC food
LINK CC TBT WILSON food
LINK CC TBT SMMEGA food
LINK CCTBT EASTWOOD food
LINK CC TBT BANAWE food
LINK CC TBT KATIP food
LINK CC TBT FORT food
LINK CC TBT CENTRIO food
LINK CC TBT SMCDO food
ONLINE PM MC WILSON food
LINK CC GRG SMNORTH food
LINK CC GRG FORT food
LINK CC GRG MAKATI food
LINK CC GRG SMMEGA food
LINK CC GRG MAAX food
LINK CC GRG UPTC food
LINK CC GRG SMSUCAT food
LINK CC GRG 30TH food
LINK CC GRG GHILLS food
LINK CCGRG FESTIVAL food
LINK CCGRG SMMANILA food
LINK CC GRG FELIZ food
LINK CC GRG SMFAIRV food
LINK CC GRG SMCDO food
LINK CCGRG SMLEGZPI food
LINKCCGRG SMSTAROSA food
LINK CC GRG SMDASMA food
LINK CCGRG SMBAGUIO food
LINKCCGRG SMMARILAO food
281 BUTUAN food
709 TAGUM HIGHWAY food
269 CITIMALL food
540 TANZA food
MULTIFLEX RNC PHILS food
432 PASIG food
803 CALAMBA food
ARMYNAVY food
ARMYNAVY CHATBOT food
SPEEDO PHILIPPINES food
644 ROSARIO food
PHO HOA food
798 CAPITOL DRIVE food
MCDO 379 ZABARTE food
693 CALBAYOG food
SEATTLES BEST COFFEE food
796 SALAWAG food
MOSSIMO food
POUND X FLATTERIE food
POUND food
MCDO 794 CGS food
442 NAGA MAGSAYSAY food
499 DAGUPAN UPANG food
549 LINGAYEN food
060 MARKET SQUARE food
BUENDIA PASAY 427 food
427 DONADA food
MESA food
HOTEL OKURA MANILA food
RESORTS WORLD MANILA food
MC BAKERY food
FRONT DESK MANILA food
554 10TH AVENUE food
557 SHAW MG TOWER food
KAWIT CENTENNIAL 575 food
SM ROSARIO 418 food
418 SM ROSARIO food
329 OLONGAPO GAPAN food
740 TELABASTAGAN food
MCDO 781 BALAGTAS food
786 GUAGUA food
725 APALIT food
817 STA ANA food
619 GREGORIAN food
649 PRIMARK CAUAYAN food
642 SORSOGON food
698 PRIMARK DEPARO food
676 PRIMARK GUIMBA food
792 MCD KASIGLAHAN food
749 MCD ROSARIO food
ELEPHANT GROUNDS food
ELEPANT GROUNDS food
MCDONALDS KROMA TOWER food
158 STA CRUZ food
LUCERNE food
ATELIER CHRONOS food
STEINWAY MANILA food
GOLDILOCKS APP food
BOS COFFEE STA LU food
BOS COFFEE ROB PAL food
BOS COFFEE ATC food
BOS COFFEE GREEN food
BOS COFFEE FAIRVIEW food
BOS COFFEE SOUTMALL food
BOS COFFEE ROLEX food
BOS COFFEE KATIPUNAN food
BOS COFFEE ROB BAC food
B COFFEE CO food
K AND COMPANY food
LINEN AND HOMES food
THE NATURALE MARKET food
SOGO HOME food
GOLDILOCKS food
TOYSRUSNAGA food
GOCART SUPERMARKET food
GOCART TOYS R US food
GOCART HANDYMAN food
GOCART TRUE VALUE food
GOCART DEPT STORE food
GOCARTSOUTHSTARDRUG food
572 IBA ZAMBALES food
125 UP VEGA food
671 MAYAPA food
475 CALICANTO food
256 BAUAN food
234 STA CRUZ BAYAN food
448 HALANG food
REZLIVE COM food
CONCEPT STORE INC food
THE PARK SILANG food
555 MABALACAT food
ULTRAMAN TRAVEL CORP food
542 MARTONE SANTIAGO food
813 SINILOAN food
MARKDOWN MADNESS food
296 OZAMIZ food
658 ICM CEBU food
SM TICKETS food
641 JA CLARIN food
ALFREDULLA food
ALL YEAR HOME food
APT8 CLOTHING CORP food
KITCHEN CITY food
BAKKU2BASIK MANILA food
BOS COFFEE AYALA1 food
BOS COFFEE AYALA2 food
BOS COFFEE AYALA3 food
BOS COFFEE CEB DOC food
BOS COFFEE MAC 1 food
BOS COFFEE MAC 2 food
BOS COFFEE ROB F food
BOS COFFEE SM1 food
BOS COFFEE SM2 food
BOS COFFEE SM3 food
BOS COFFEE SM GEN food
BOS COFFEE SM BAC food
BOS COFFEE CENTRIO food
BOS COFFEE SM DAVAO food
BOS COFFEE ATRIA food
BOS COFFEE SM ILOILO food
BOS COFFEE ROB JARO food
BOS COFFEE LAUNCHPAD food
BOS COFFEE J CENTER food
BOS COFFEE AYALA5 food
BOS COFFEE CENTRAL food
BOS COFFEE NORTH D food
BOS COFFEE MOA food
BOS COFFEE NAIA1 food
BOS COFFEE NAIA3 food
BOS COFFEE SM MEGA food
BOS COFFEE SM MANILA food
BOS COFFEE SM LAZARO food
BOS COFFEE G5 food
BOS COFFEE BHS food
BOS COFFEE ETON food
BOS COFFEE SM LIGHT food
BOS COFFEE MAK AVE food
BOS COFFEE BTC food
BOS COFFEE RN3 food
BOS COFFEE SM SEA food
BOS COFFEE CYBER food
BOS COFFEE CAPITOL food
BOS COFFEE food
BOS COFFEE UPTOWN food
BOS COFFEE ADB food
BOS COFFEE SHANG food
TRU FAIRVIEW food
RDS DUMAGUETE food
TRU ATC food
RDS LA UNION food
RDS ANTIPOLO food
RDS RP GALLERIA food
RDS RP ERMITA food
TRU TRINOMA food
TRU ERMITA food
TRU EASTWOOD food
TRU NAGA food
TRU LEGAZPI food
TRU TACLOBAN food
TRU CDO food
TRU TAGUM food
TRU AYALA CEBU food
TRU GALLERIA CEBU food
TRU CENTRAL BLOC food
TRU BACOLOD food
TRU AYALA BACOLOD food
TRU IMUS food
RDS SANTIAGO food
RDS GALLERIA SOUTH food
RDS IMUS food
RDS DAGUPAN food
RDS CDO food
RDS LOS BANOS food
RDS VALENCIA food
RDS BUTUAN food
RDS CENTRIO food
COLDSTONE CREAMERY food
TITANOMACHY INC food
484 SM AURA food
429 ILAGAN food
MCDO MAPLE GROVE food
MCDO 365 WM MUNOZ food
47 MASANGKAY food
MCDO HERMOSA food
MCDO MALAGASANG food
MCDO 694 VIRAC food
MITSUYADO food
TENDON KOHAKU food
YAMATO food
UCC food
COCO ICHIBANYA food
FILINVEST CITY food
MCDO 592 REAL food
MCDO SN ANTONIO GUA food
385 CASIMIRO food
000 IPIL food
PHO24 ONLINE food
EHSI food
MERRYMART GROCERY food
TRU MAGNOLIA food
TRU ANTIPOLO food
TRU FELIZ food
TRU KATIPUNAN food
TRU ESTANCIA food
TRU CENTURY food
TRU FESTIVAL food
TRU LAS PINAS food
TRU VERTIS food
TRU MANILA BAY food
RDS ORMOC food
RDS DAVAO food
RDS COTABATO food
TRU NUVALI food
TRU TAGAYTAY food
TRU LIPA food
TRU MARQUEE food
TRU HARBOR POINT food
TRU TUGUEGARAO food
TRU ILOCOS food
RDS NEPO ANGELES food
RDS CALAPAN food
RDS GEN SAN food
RDS LIPA food
RDS FESTIVAL MALL food
TRU CLOVERLEAF food
RDS RP LAS PINAS food
TRU GALLERIA food
RDS AYALA CLVERLF food
RDS RP METRO EAST food
GOR APPLIANCE food
GOR MINISTOP food
GOR SUPER50 food
GOR DAISO food
GOR PETLOVERS food
GOR SHISEIDO food
GOR EASYMART food
MCDO 745 BAUAN HWAY food
MCDO 667 DIVERSION food
METROMART food
CENTRAL food
KASA LUNTIAN TAGAYTAY food
GALLERY MIRANILA food
OVERDOUGHS food
MCDO STO SALITRAN food
EG food
MANAM GREENBELT food
OOMA GREENBELT food
OOMA SALCEDO food
OOMA MEGAMALL food
OOMA BGC food
OOMA MOLITO food
000 QH BARTOLOME food
MANAM AYALAFAIRVIEW food
MANAM NETPARK food
MANAM MOA food
MANAM PODIUM food
MANAM SM AURA food
MANAM ROCKWELL food
MANAM SM FAIRVIEW food
MANAM NORTH EDSA food
MANAM SM BAGUIO food
MANAM GREENHILLS food
MANAM AYALABYTHEBAY food
MANAM TRINOMA food
MANAM ERMITA food
MANAM SM BACOOR food
MANAM MOLITO food
MCDO UPTWN BONI food
MCDO ONE WRLD SQR food
MCDO NORTHHILL GTWY food
PANCAKE HOUSE food
THE MOMENT GROUP food
MAKOTEK COMPUTERS food
MEGA FISHING food
MOTHER MATERIAL PH food
UCC MENTORE AYALA food
UCC MENTORE SMAISON food
UCC VIENNA CAFE food
SIIRI food
GADC BQMALL BOHOL 279 food
GADC SAVANO PRK 673 food
GADC MADISON ORT 689 food
GADC TIMOG TOBIAS 374 food
GADC MUNTNLP HWAY 708 food
GADC MARIBAGO 703 food
GADC GAISANOTORIL 711 food
GADC SUMULONG ANT 406 food
GADC G PUYAT DIAN 718 food
GADC XROADS TSORA 691 food
BT21 GOLDILOCKS food
YOSHINOYA CHECKOUT food
IPPUDO food
LVC LIVE IDEAS INC food
GADC NAGA ROXAS 720 food
GADC MALOLOS BYN 719 food
GADC LAOAGBACARRA 707 food
GADC KAPITOLYO PAS 729 food
GADC SAN DIONISIO 747 food
GADC CDO HIGHWAY 661 food
GADC PASEOARSENAS 756 food
GADC SPMC DAVAO 732 food
GADC PRIMARK TAG 752 food
GADC MCKINLEY WEST 730 food
DOMESTIC GUESTHOUSE food
MC DELIVERY PH food
SOLESTE SUITES food
GADC NAGA CTY PLZ 263 food
GADC ZAMBOANGA 300 food
GADC GENSAN HIWAY 401 food
GADC PALAWAN 463 food
GADC GUIWAN ZMBNG 596 food
GADC TANAY 520 food
GADC MARAOUY LIPA 681 food
GADC CB MALL 548 food
GADC BELFAST 675 food
GADC ROB LUISITA 670 food
529 HENSON food
GIRBAUD food
SHOP BLISS food
COP GARDEN food
YOJI food
COSTAL food
DIVIONL food
MCDO 843SUBIC UPTWN food
SHABURI AND KINTAN food
THE SPHERE SERV RES food
SHAWA WAMA ROCKWELL food
SHAWAWAMA GLORIETTA food
MO COOKIES AURA food
MO COOKIES ALABANG food
TRU POWERPLANT food
TRU GREENBELT food
TRU GLORIETTA food
366VICTORYCENTRALMALL food
416VICTORYPARKANDSHOP food
768 BINAN HIGHWAY food
CONNER FURNITURE food
KUYSEN food
LANDLITE food
LARTIZAN food
FRESHMARTPH food
QUEST HOTEL CLARK food
RDS ROXAS food
RDS NAGA food
RDS NORTH TACLOBAN food
RDS TAGUM food
TRU BGC food
RDS PANGASINAN food
RDS TACLOBAN food
RDS MALOLOS food
RDS ILIGAN food
RDS ANTIQUE food
TRU METROEAST food
TRU SHANGRILA food
WM MCDO GAPAN food
WM MCDO SAN JOSE food
WM MCDO TANAUAN food
RDS ILOCOS food
RDS JARO food
RDS PAVIA food
RDS MALABON CS food
RDS RP STARMILLS food
RDS RP MAGNOLIA food
RDS GEN TRIAS food
RDS PALAWAN food
RDS RP ANGELES food
GOCARTROBINSONSAPPL food
RDS RP PIONEER food
RDS BF RUINS food
HUCHI ROCKWELL food
268 SAN FERNANDO food
587 SF DOLORES JBL food
587 JBL food
MCDO LUCENA DIV food
MCDO 699 KAMIAS food
MCDO 584 TALAVERA food
MARSMAN TRAVEL food
MCDONALDS COGON food
370 COTABATO food
FOOD REVOLUTION INC food
PROLOGUE food
THE GRID food
GEONBAE MODERN KOREAN food
INDIGO SALES food
RDS PAMPANGA food
RDS CABANATUAN food
RDS TUGUEGARAO food
RDS CEBU food
RDS ILOILO food
RDS GALLERIA CEBU food
RDS BACOLOD food
FOOD DISTRICT food
MCDO BLUMENTRITT food
MCDO SAN CARLOS food
550 VALENCIA food
458 ILIGAN SAN MIGUEL food
MANAM MEGAMALL food
COURTYARD ILOILO food
RESORTS WORLD MNLA food
MARRIOTT HOTEL food
THE PALLADIVM HOTEL food
RMHC PHILIPPINES food
MCDO 511 SAN JOSE food
MCDO 455 CABANATUAN food
MCDO 692 PRIMARK food
MCDO 546 BOCAUE entertainment
MCDO 077 BALIWAG entertainment
RSI ONLINE entertainment
FELCO entertainment
MCDO 737 GACA entertainment
PGII ONLINE INVOICE entertainment
714 HOLIDAY ISLAND entertainment
MCDONALDS PANIQUI entertainment
ROSA CLARA entertainment
MCDO OZAMIS HWAY entertainment
ZARA entertainment
MCDONALDS entertainment
PANCAKE HOUSE entertainment
THE MEAT MARKET entertainment
HUEMANILA retail
CRIMSON BORACAY retail
DINTAI FUNG RCKWLL retail
DIN TAI FUNG MGMALL retail
DIN TAI FUNG BGC food
DINTAI FUNG RCKWLL food
DIN TAI FUNG GRNBLT food
DIN TAI FUNG MGMALL food
MCDO 821 PALAWAN J food
BELO MEDICAL GROUP retail
BELO MEDICAL GROUP food
SHINIGAWA food
646 KJC COMPOUND service
MCDO 770 BAY service
SARISUKI service
TRU GREENBELT service
TRU GLORIETTA service
TRU POWERPLANT service
GOR SHISEIDO service
GOCARTROBINSONSAPPL service
GOR EASYMART retail
GOR MINISTOP retail
GOR DAISO retail
GOR PETLOVERS retail
GOR SUPER50 retail
314 GISELLEPLAZA retail
765 PILI CAMSUR retail
614 ORMOC retail
SRS ONLINE retail
HONEYBON PH retail
MCDO NCCC MAGSAYSAY retail
ISECURE NETWORKS INC retail
PANDA EXPRESS retail
8CUTS MEGAMALL retail
8CUTS SALCEDO retail
8CUTS ROCKWELL food
8CUTS MOA food
8CUTS SERENDRA food
8CUTS PROMENADE food
8CUTS MEGAMALL food
8CUTS SALCEDO food
8CUTS GREENBELT food
TAPGO food
NAVCO HO school
TIM HORTONS school
TIM HORTONS service
GUIDE TO THE PHILS service
MCDO 678 A HERMOSA service
MCDO 271 MENDIOLA service
MCDO MAMPLASAN service
AQUAMA retail
CONVERSE retail
PACSPORT PHILS INC retail
MCDONALDS retail
IRELAR retail
BELO MEDICAL GROUP Service
VENN AESTHETICS Retail
SPECTRUMED INC retail
MECHA UMA retail
WINK LASER STUDIO retail
SARABIA OPTICAL retail
MOTORAMA retail
ASHLEY FURNITURE retail
ROCHEBOBOIS retail
ASHLEY FURNITURE food
MOTOLITE food
HUAWEI food
SEAOIL food
FORENT food
TRUNC food
DUNE LONDON food
SUPERGA food
LACOSTE food
BEAUTY BAR food
LUSH food
AEROPOSTALE service
CMC service
IDEAL VISION CENTER service
NWORLD service
NWORLD Retail
ABENSON APPLIANCE Retail
GLOW SKIN CLINIC Retail
URBAN GADGETS Retail
BELO MEDICAL GROUP INC Retail
REMEDY SKIN SOLUTIONS Retail
VICTORY SINILOAN Retail
VICTORY CABUYAO Retail
TERRANOVA PH Retail
ALLDAY SUPERMARKET Retail
ALLGREEN Retail
176 MARYMART Retail
353 JARO Retail
716 PISON Retail
727 ROB PAVIA Retail
119 MINDANAO Retail
119 MINDANAO AVENUE Retail
LLAOLLAO Retail
ANGELSPIZZA Retail
767 PRIMARK NOVELETA Retail
533 KORONADAL Retail
LAC Retail
CYA INDUSTRIES Retail
NWORLDWIDE CORPORATION Retail
EO EXECUTIVE OPTICAL Retail
COMWORKS Retail
ADIDAS Retail
VICTORY Retail
UMA UMA WEB retail
TUANTUAN KITCHEN WEB retail
TUANTUAN CHI WEB retail
LUGANG CAFE WEB service
KIMONO KEN WEB service
HAI SHIN LOU WEB service
DESSERT KITCHEN WEB retail
THE ALLEY PH WEB retail
I AM YOGOST WEB retail
ONO POKE WEB Food
GIVEGREET Food
KHAO KHAI WEB Food
SENOR POLLO WEB Food
FREDLEY GROUP WEB retail
CAFE BUENO WEB retail
ICEBERGS WEB retail
PRIMA DONER WEB retail
THAI DARA WEB food
CIRCA 1740 WEB service
MARINA OYSTER WEB service
YI FANG WEB service
TMCF WEB service
ASAKUSA WEB retail
BIGGS DINER WEB retail
BUTAMARU RAMEN WEB retail
CHOCOLATE KISS WEB retail
KING CHEF WEB service
MITASU WEB food
NABE WEB food
THE BLACK BEAN WEB food
TYLR HOME food
BAUMANN LIVING food
TYLR BAUMANN LIVING food
MGTSTRAT INC food
PACIFIC BAY food
NAMI food
BIYAHEKO GI PHILS food
ALING BANANG food
HTCG TAKE ME HOME food
BREWING POINT WEB food
TAKAMURA WEB food
ANGUS PARES WEB food
FLOSSOM KITCHEN WEB food
BOA KITCHEN WEB food
TAKE ROOT WEB food
AMARE LA CUCINA WEB food
HOLAND HOPIA WEB food
JIPAN WEB food
VITOS BBQ WEB food
ADIDAS food
ADIDAS ROCKWELL food
ADIDAS UPTOWN food
ADIDAS EASTWOOD food
ADIDAS SOLENAD food
ADIDAS UP TOWN food
ADIDAS GLORIETTA 2 food
ADIDAS ATC food
ADIDAS ERMITA food
ADIDAS GLORIETTA 3 food
ADIDAS NBHD UP TOWN food
ADIDAS NJE AYALA BAY food
ADIDAS NBHD AYALA BAY food
ADIDAS FO PASEO food
ADIDAS FO RIVERBANKS food
ADIDAS NEWPORT food
ADIDAS TRINOMA food
ADIDAS FO NLEX retail
ADIDAS SUBIC retail
ADIDAS GREENBELT 5 retail
ADIDAS FORT retail
SANITEC retail
SECRET FRESH retail
ISLAND WATER retail
GOURMET DIRECT retail
CH CAROLINA HERRERA retail
A INSTITUTE retail
ART OF SCENT retail
FRESH retail
THE KULT retail
MERREL retail
PULL AND BEAR retail
COFFEE PROJECT retail
TEAM MANILA retail
UNNIES CAFE retail
AESOP retail
PHRJ01 retail
PHRJ02 retail
PHRJ03 retail
PROLABS retail
AMBIENT retail
POULTRYPURE FARMS retail
PRESTIGE retail
QWIKBREAD retail
RAF INTL FWDG PHLS retail
RAW ESSENTIALS retail
KUMORI retail
ROBI AND PEACH retail
DOUGH AND GROCER retail
EASY ONLINE SHOPPING retail
HAUYEE EOS retail
ONLINE TRENDS HUB retail
THE FRENCH BAKER retail
GREENOLA PHILIPPINES retail
CHICKEN DELI retail
SHARK BOTTLE retail
THE MESS HALL MAKATI retail
THE MESS HALL retail
VOGUE CONCEPTS INC retail
ZAGANA retail
ZEEND COM retail
OTOP STORE retail
SPERRY retail
SAUCONY retail
CIGNAL TV INC retail
AEROWORX retail
AEROWORX PRESTA 2 retail
AEROWORX MI retail
ALLHOME retail
PUMA retail
HMRPH ONLINE NEW retail
HMR TRADING HAUS retail
O SUPERSTORE retail
TASTEFUL SELECTIONS retail
OLEO FATS INC retail
COMME CI retail
MULTIPAY SMART/PLDT retail
MULTISYS DINGDONG APP retail
MULTISYS APPENDPAY retail
MULTISYS ZALORA retail
MULTISYS UNA PAY retail
MULTISYS AUTOPAY retail
MULTISYS FLORISTELLA retail
MULTIPAY UNAPAY retail
MULTIPAY SQUIDPAY retail
MULTIPAY CHINABANK retail
MULTIPAY PEARLPAY retail
MULTISYS GAMEBOX retail
MULTISYS ROBINSONS retail
MULTISTORE retail
MULTISYS MERCATO retail
MULTISYS BRRRING retail
MULTISYS DELIVERBOX retail
MULTISYS SCHOOLBOX retail
MULTISYS DONATION BOX retail
APEX GARAGE retail
SNOE BEAUTE retail
SOLO MEAT GROUP INC retail
WELLNESS CONCEPTS retail
FRENCHBAKERSMBAGUIO retail
ELBERTS DELIVERS retail
ARTEFINO retail
STRATELA INCORPORATED retail
MAYA retail
SUNLIGHT AIR retail
BERSHKA retail
VISTA CINEMA retail
STARMALL CINEMAS retail
VISTA CINEMAS retail
KIMSTORE ENTERPRISE CORP retail
KIMSTORE retail
USTORE retail
STEAMLOGIC INC retail
STEAMLOGIC INC TITAN retail
COCA COLA retail
STRADIVARIUS retail
ABB BRETTOS retail
FLOATING ISLAND RESTO retail
CINDYS retail
KING CHEF retail
AQUA PLANET retail
BINONDO CHINESE FOOD retail
BOX OFFICE retail
MASSIMO DUTTI retail
PANDORA PHILIPPINES retail
TOUS LES JOURS retail
PSAHELPLINE PH retail
TEN ELLEVEN MANILA INC retail
TEN ELLEVEN MANILA retail
LAS CASAS FILIPINAS retail
IVANA SKIN retail
CHUA EYE CENTER retail
MIGHTY BABY retail
NEGRITAS SWIMWEAR CORP retail
OBRA EVENTS SERVICES retail
BAGWINGS retail
FROST FREE retail
A PLUS PREMIUM TECH retail
RAPIDE retail
GOLDTOWN INDSUTRIAL retail
GOLDTOWN retail
CYCLES AND BREW retail
IZUMI retail
BW METRO CLARK retail
JDI MAGUIRE INC retail
BUILDWISE SUPPLY DEPOT retail
MIDORI CLARK HOTEL retail
CONNEQSTAR retail
BABY HUB PH retail
DHORIEZ BOUTIQUE retail
DHORIEZ BOUTIQUE Food
LA BODEGA retail
FROZEN OPTIONS FOOS retail
LSG INDUSTRIAL retail
M22 FUELS INC retail
MAK TUMANG retail
MAMA SITAS retail
STAR CITY retail
FIRST MAC MEGASAVER retail
TECHNOWISE 360 retail
TECHSYAPO retail
TELMARC CORPORATION retail
THE ORANGE BUCKET retail
TINY BATCHI retail
TOKYO POSH retail
TPC CENTRAL ONLINE retail
BRIA HOMES INC retail
TAXUMO INC retail
CAMAYA COAST retail
LE CHARME SUITES retail
OCAMPOS MEGASTORE INC retail
SAMBA BLUEWATER retail
SAMS PIZZA retail
PLAZA HOTEL BALANGA retail
PLAZA LODGE BAGUIO retail
SATTLINK CABLE TV retail
SG ECO INDUSTRIES retail
SHADOW TRAVEL NTOURS retail
SMARTECHNIQUE retail
SOUTHGLOBAL MRKT INC retail
GETALL retail
OPERATION SMILE PH retail
MCDO 741 ROXAS retail
SUNNIES STUDIOS retail
SUNNIES SPECS OPTICAL retail
SUNNIES BY CHARLIE INC retail
SUNNIES SPECS retail
MANGO TOURS retail
OCTO ONE retail
OMNI AVIATION retail
ONENET retail
PRETTY LOOKS retail
RANC DISTRIBUTORS INC retail
REH KINGS EMPIRE retail
RENEGADE FOLK retail
CYKEL BIKES retail
UPLANET BEAUTY PT retail
URBAN ESSENTIALS retail
URBANSTAR retail
WANDERLUXE retail
HANN PHILIPPINES retail
GOEDEN retail
ITDC SYSTEMS retail
ACCOLADE PLACE retail
ALEA RESIDENCES retail
ARISTA PLACE retail
ASTERIA RESIDENCES retail
CEDARCREST retail
CYPRESSTOWERS retail
ALTA VISTA DE BOR retail
DMCI PDI retail
EAST RAYA GARDENS retail
MAX IDEA retail
GLYPHSTUDIOS INC retail
FLAIR TOWERS retail
INFINA TOWERS retail
IVORY WOOD retail
LA VERTI RESIDENCES retail
LEVINA PLACE retail
MIMOSA CTYSCPES INC retail
QUEST HOTEL CLARK retail
NIKEERMITA retail
NIKEATC retail
PARKACCESS retail
NIKETRINOMA retail
NIKEMOA retail
NIKEFORT retail
NIKEAYALABAY retail
NIKEGLORIETTA retail
JORDANMNL retail
PARK ACCESS retail
BOOTCAMP retail
PARK OUTLET retail
NIKE PARK retail
NIKEUPTC retail
NIKECEBU retail
NIKESMFV retail
NIKE FELIZ retail
NIKEMEGAMALL retail
PARKOUTLET retail
PLDT retail
MERRYMART retail
SMART retail
MARKS AND SPENCER retail
SKIN STATION retail
MULBERRY PLACE retail
OHANA PLACE retail
ONE CASTILLA PLACE retail
ONE CASTILLA PLACE food
OUTLOOK RIDGE food
PALM GROVE food
LUMIERE RESIDENCES food
MAGNOLIA PLACE food
MAPLE PLACE retail
MARICIELO VILLAS food
MIREA RESIDENCES food
MIREA RESIDENCES retail
VIERA JEWELRY service
ADELAS E MART service
MAKOBOBI DISTRIBUTORS service
MAX IDEAS MKTG CORP service
MEYCAUAYAN COLLEGE service
SOTELO HOME service
SMCB service
SUKICART service
AM FM JEWELRY SHOP service
BIGASPH service
BITBIT service
COLM food
CONTINKUOUS food
GWIYOMI GLUTA SPA food
HARVER HILL retail
JO RUBIO retail
TOYSRUSGALLERIA retail
TOYSRUSMAGNOLIA retail
TOYSRUSANTIPOLO retail
TOYSRUSCLOVERLEAF retail
TOYSRUSBGC retail
TOYSRUSMETROEAST retail
TOYSRUSFELIZ retail
TOYSRUSUPTOWNCENTER retail
TOYSRUSTHE30THMALL retail
TOYSRUSSHANGRILA retail
TOYSRUSESTANCIA retail
TOYSRUSCENTURY retail
TOYSRUSPOWERPLANT retail
TOYSRUSGREENBELT retail
TOYSRUSERMITA retail
TOYSRUSFAIRVIEW retail
TOYSRUSEASTWOOD retail
TOYSRUSTRINOMA retail
TOYSRUSTAGAYTAY retail
TOYSRUSNUVALI retail
TOYSRUSFESTIVAL retail
TOYSRUSGLORIETTA retail
TOYSRUSLIPA retail
TOYSRUSIMUS retail
TOYSRUSLASPINAS retail
TOYSRUSATC retail
TOYSRUSVERTIS retail
TOYSRUSAYALABAY retail
TOYSRUS ILOCOS retail
TOYSRUSHARBOR retail
TOYSRUSTUGUEGARAO retail
TOYSRUSAYALACEBU retail
TOYSRUSGALLERIACEBU retail
TOYSRUSTACLOBAN retail
TOYSRUSTAGUM retail
TOYSRUSCDO retail
TOYSRUSBACOLOD retail
TOYSRUSAYALABACOLOD retail
TOYSRUSMARQUEE retail
TOYSRUSCENTRALBLOC retail
TOYSRUSLEGAZPI retail
RDS ERMITA retail
RDS METROEAST retail
RDS CLOVERLEAF retail
RDS MALABON retail
RDS ANTIPOLO retail
RDS GALLERIA retail
RDS PIONEER retail
RDS FESTIVAL retail
RDS MAGNOLIA retail
RDS LASPINAS retail
RDS MALOLOS retail
RDS IMUS retail
RDS GEN TRIAS retail
RDS LOS BANOS retail
RDS GALLERIA SOUTH retail
RDS LIPA retail
RDS NEPO ANGELES retail
RDS PANGASINAN retail
RDS GAPAN retail
RDS CABANATUAN retail
RDS ILOCOS retail
RDS SANTIAGO retail
RDS TUGUEGARAO retail
RDS CALAPAN retail
RDS PALAWAN retail
RDS CEBU retail
RDS ILOILO retail
RDS GALLERIA CEBU retail
RDS JARO retail
RDS PAVIA retail
RDS BACOLOD retail
RDS DUMAGUETE retail
RDS NORTH TACLOBAN retail
RDS ORMOC retail
RDS CDO retail
RDS GEN SANTOS retail
RDS DAVAO retail
RDS CENTRIO retail
RDS BUTUAN retail
RDS TAGUM retail
RDS ILIGAN retail
RDS COTABATO retail
RDS VALENCIA retail
RDS NAGA retail
RDS ROXAS retail
RDS PAMPANGA retail
GNC retail
TOBYS SPORTS retail
RUNNR retail
URBAN ATHLETICS retail
RUNNR TRINOMA retail
TOBYS SM CITY MAIN retail
TOBYS TRINOMA retail
TOBYS SM FAIRVIEW retail
TOBYS SM MARILAO retail
TOBYS SM BALIUAG retail
TOBYS SM PAMPANGA retail
TOBYS SM TARLAC retail
TOBYS SM BAGUIO retail
TOBYS SM ILOILO retail
URBAN ATHLTCS UP TOWN retail
TOBYS UP TOWN CENTRE retail
TOBYS SM TELABASTAGAN retail
TOBYS SM LEGAZPI retail
TOBYS GREENHILLS retail
TOBYS ROB ERMITA retail
TOBYS SHANGRILA PLAZA retail
TOBYS SM CENTERPOINT retail
TOBYS SM MANILA retail
TOBYS SM MEGAMALL retail
URBAN ATHLTCS GBELT 3 retail
TOBYS SM TAYTAY retail
TOBYS SM ANGONO retail
RUNNR AYALA CEBU retail
TOBYS SM CEBU retail
TOBYS SM SEASIDE CEBU retail
TOBYS GATEWAY MALL retail
TOBYS AYALA FELIZ retail
RUNNR ALABANG TOWN retail
TOBYS GLORIETTA 2 retail
TOBYS SM MALL OF ASIA retail
TOBYS GLORIETTA 4 retail
TOBYS SM BACOOR retail
TOBYS SM AURA TAGUIG retail
TOBYS SM SOUTHMALL retail
TOBYS ABREEZA DAVAO retail
TOBYS LIMKETKAI CDO retail
TOBYS SM SAN PABLO retail
URBAN ATHLTCS SMFVIEW retail
TOBYS HEAD OFFICE retail
URBAN ATHLTCS SMAISON retail
TOBYS SM SAN LAZARO retail
TOBYS FLAGSHIP BGC retail
TOBYS SM THE BLOCK retail
TOBYS ROB METRO EAST retail
RUNNR BONI HIGH ST retail
JOLLIBEE ONLINE retail
OWNDAYS PHILIPPINES retail
PDAX retail
VICTORY LINER retail
WEB COM PH INC retail
UNIV OF SAN CARLOS retail
WRIGHT WINGS retail
CEBU SAFARI retail
AQWIRE retail
BARKOTA retail
HUCHI SOUTHEAST EATS retail
AZALEA retail
ARANETA BUSPORT retail
SHERIDAN TOWERS retail
SORREL RESIDENCES retail
CLOUDKART ONLINE SHOP retail
BAYADCENTER MERALCO retail
PRIMA CASA retail
QWIKWIRE retail
AQWIRE REAL ESTATE retail
AQWIRE EDUCATION retail
RHAPSODYRESIDENCES retail
ROSEWOOD POINTE retail
ROYAL PALM retail
PURPLE OVEN retail
EPLAYMENT CORP retail
NCCC SPM retail
MY SUKI INC retail
HAWKER CHAN retail
HAWKER CHAN service
PLDT service
SORREL RESIDENCES service
STELLAR PLACE service
THE AMARYLLIS service

CONSUMER DEPOSIT TERMS AND CONDITIONS

1. General Terms and Conditions

1.1 These terms and conditions (“T&C” or “Terms”) govern the terms under which you may access and use the products of Maya Bank, Inc. By opening a consumer savings account and/or using our services, you agree to be bound by these Terms. The General Terms and Conditions (GT&Cs) of Maya Bank accessible through this link: https://mayabank.ph/terms-conditions/ are deemed incorporated into these T&C. In case of conflict or inconsistency between the GT&Cs and these T&C, the terms of these T&C shall prevail. 1.2 Under these T&C, the terms “Maya Bank,” “Bank,” “we,” “us,” and “our” refer to Maya Bank, Inc. together with its employees, directors, affiliates, successors, agents, and assigns. Maya Bank, Inc. is a Filipino digital bank, duly licensed by the Bangko Sentral ng Pilipinas (“BSP”). 1.3 The terms “you” and “your” refer to the depositor who uses the services of Maya Bank as depositary bank. 1.4 These T&C shall be effective, valid, and binding from the time that you signify your agreement to these Terms. These T&C will be in full force and effect up to the time that it is terminated by you or us, save for some provisions, which shall remain effective after termination, as stated in this T&C, under any law, rule, or regulation.

2. Definition of Terms

2.1 Account Holder refers to an individual who maintains a savings account with Maya Bank.

2.2 Affiliates refers to any person or entity controlled by or under common control with another person. For purposes of the Terms, any of the entities under the MVP Group of Companies, including but not limited to PayMaya Philippines, Inc., PLDT, Inc., Metro Pacific Investments Corporation, Smart Communications, Inc., The Manila Electric Company, Maynilad Water Services, Inc., Metro Pacific Tollways Corporation, and MediaQuest Holdings, Inc., shall be considered as Affiliates of Maya Bank.

2.3 AMLA refers to the Anti-Money Laundering Act, otherwise known as Republic Act No. 9160, as amended, as implemented by the AntiMoney Laundering Council of the Philippines (“AMLC”).

2.4 Dormant Account refers an account that has had no deposit or withdrawal for a period of 2 years. 

2.5 Maya Bank Account or Account refers to your savings account with Maya Bank. 

2.6 Maya App refers to the mobile application that serves as the interface between the account holder and Maya Bank Account, whose terms of use shall be in accordance with the Terms and Conditions and User’s Guide found in the said Maya App.

2.7 Maya Savings refers to a deposit product offered by Maya Bank, Inc. in the Maya app where customers are able to make deposits and withdrawals at any time and without penalty through the available channels. Interest earned is computed based on the average daily balance (ADB) of the account.

2.8 Personal Goal/s refers to a goal-based deposit account where customers can keep their money for up to one hundred eighty (180) days while earning interest based on their average daily balance.

3. Opening of an Account

3.1 You may open and maintain Accounts subject to our sole discretion, upon your compliance and our verification of the requirements, in accordance with the BSP onboarding and due diligence requirements. These requirements include, but are not limited to, the following:

3.1.1 Name of customer (Full Name including Middle Name) and/or PhilSys Number (if available);

3.1.2 Date and Place of Birth;

3.1.3 Address;

3.1.4 Contact Number or Information / email address;

3.1.5 Citizenship or Nationality; 

3.1.6 Source of funds;

3.1.7 Nature of work;

3.1.8 Specimen Signature or Biometrics; and

3.1.9 One valid Primary ID or Two valid Secondary IDs (refer to https://www.maya.ph/quick-guide/upgrade for accepted government IDs).

4.1 You agree that withdrawals must be made through the modes that may be provided by Maya Bank. These may be subject to the procedures of Maya Bank’s partner entities and your providing of the required information in the Maya App. 4.2 You must maintain a minimum monthly average daily balance (“ADB”), the amount being reasonably determined by Maya Bank and may be subject to change upon prior notice. Failure to maintain a balance equal to or greater than the minimum monthly ADB for at least two (2) consecutive months will entail the imposition of a maintenance fee. 4.3 A dormancy fee may be imposed on your Account after five (5) years from the last activity therein and when the balance falls below the minimum monthly ADB. The dormancy fee charged is in addition to the maintenance fee. You shall be notified of the potential imposition of such a fee at least sixty (60) days prior to its imposition. 4.4 An Account may be reverted to the national government through the Treasurer of the Philippines after ten (10) years from the last activity therein. 4.5 In all instances, any aggregate and unpaid charges, fees, and other expenses for which the Account Holder is liable shall immediately become due without need of demand and may be immediately debited without prior notice from any remaining funds, money, and/or assets in the Account of the aforementioned Account Holder. 4.6 Interest-bearing accounts shall earn interest per annum at a rate to be agreed upon by you and Maya Bank, subject to pertinent laws, rules, and regulations. The rates may be changed, provided that such a change shall only take effect after public notice. No interest shall accrue on accounts that are considered dormant. 4.7 Your Maya Savings account earns interest daily, which shall be credited to your account on the next day minus the applicable taxes. Your Personal Goal account earns interest monthly, which shall be credited to your account on the first calendar day of the succeeding month, minus the applicable taxes. 4.8 If you are considered as a holder of a Foreign Account Tax Compliance Act (“FATCA”) reportable Account, you shall:
  1. Identify yourself as such holder;
  2. Provide Maya Bank with your U.S. Tax Identification Number; and
  3. Provide other documents or information as may be required by all the applicable laws, rules, or regulations, such as the Intergovernmental Agreement between the Philippines and the United States of America.
You also hereby declare under penalty of perjury that:
  1. All of the information that you have provided are true and correct; and
  2. You waive your rights pertaining to bank secrecy, privacy, or data protection rights on your Account if and when required by FATCA.
Failure to do the above may constrain Maya Bank to withhold the legally mandated amounts or to initiate the closure of your Account. 4.9 You agree that Article 1250 of the Civil Code shall not apply in case of extraordinary inflation or deflation of the currency stipulated herein.

5. General Terms of Service

5.1 Maya Bank agrees to act as a depositary bank for your deposit account which may be an interest- or non-interest-bearing account.

5.2 The applicable laws and rules of the Philippine Deposit Insurance Corporation (“PDIC”) relating to deposits shall govern. Applicable deposit accounts are insured by the PDIC up to a maximum of Five Hundred Thousand Pesos (P500,000.00) per depositor. PDIC shall presume that the name/s appearing on the certificate of deposit is/are the actual/beneficial owners of the deposit, except as provided therein.

5.3 Office hours shall be from 9 AM to 6 PM, Mondays to Fridays. Maya Bank’s online platforms are available 24/7 subject to the cut-off time of its partners applicable to certain transactions. You shall be notified in advance or at the soonest possible time of maintenance activities and the like.

5.4 Maya Bank reserves the right to modify, suspend, stop, or terminate any of its services immediately upon notice, at any time and from time to time, within applicable laws and regulations of the Philippines.

5.5 You will not use any device, software, or routine to interfere or attempt to interfere with the proper working of the Maya App.

5.6 Maya Bank reserves the right to verify any activity that is done through its facilities, especially if it involves compliance with AMLA or other laws, rules, or regulations.

Pursuant to the Implementing Rules and Regulation (“IRR”) of the AMLA, you grant Maya Bank the power and authority to report covered and suspicious transactions involving your account to the AMLC.

Pursuant to the IRR of the AMLA, you shall also authorize Maya Bank to maintain and safely store all records of all transactions involving your Account for five (5) years from the dates of these transactions. With respect to closed accounts, we shall also preserve and safely store the records on customer identification, account files, and business correspondence for at least five (5) years from the dates when they were closed.

Pursuant to the duties imposed by the AMLA, you agree to hold free Maya Bank from any liability.

5.7 We will attempt to process transactions promptly, but any transaction may be delayed or cancelled for a number of reasons including but not limited to: our efforts to verify your identity; to validate your transaction instructions; to contact you; due to variations in business hours and currency availability; availability of the system which may be affected by service disruptions or system maintenance; or otherwise to comply with applicable laws, rules, or regulations.

5.8 We may, in our absolute discretion, refuse or cancel transactions or services if: (a) Maya Bank is unable to verify your identity; (b) Maya Bank is unable to verify the identity of the recipient; (c) you do not comply with information requests pursuant to Clause 5.6; or (d) Maya Bank reasonably believes you are using its facilities, or allowing it to be used, in breach of these T&C or any applicable laws, rules, or regulations.

5.9 If we have executed the transaction in accordance with the instructions you have provided to us, and that the instructions prove to have been incorrect, we are not liable for the incorrect execution of the transaction. We will, however, make reasonable efforts to recover the funds. We may charge you a reasonable fee, reflective of our efforts, to do so. Unless there are exceptional circumstances, no adjustment will be made for any currency fluctuations which may have occurred between the time you pay us the transaction amount and the time of credit.

5.10 Maya Bank shall have the right to automatically suspend or block the transaction or any Account in the event that Maya Bank has reason to believe that the transaction or the account may be illegal or used for fraudulent or suspicious businesses or by an unauthorized person. Maya Bank may, but shall not have the obligation to, inform you prior to suspending or blocking the transaction pursuant to this clause. You acknowledge the authority of Maya Bank to suspend or block the transaction and the closure of the Account and accordingly, you shall hold Maya Bank free and harmless against any and all consequences of such suspension or blocking, or any loss or damage which you may suffer as a result thereof.

5.11 Fees and other charges shall be in accordance with the Table of Fees and Charges (as shown below under Annex B) which may be subject to changes upon discretion of Maya Bank and in accordance with laws, rules, and regulations. However, in the situation where there are insufficient funds in your Account to cover such fees and other charges, we reserve the right, without incurring any liability, to refuse to carry out the transaction.

5.12 In order to comply with our obligations under relevant laws, we reserve the right to require further information or evidence relating to your personal information and to the purpose of any transaction using our facilities.

6.Your Obligations

6.1 You agree to abide by the obligations stated under this section. You understand that failure to abide by these obligations is subject to Maya Bank applying reasonable penalties to you and your Account, including but not limited to charges, suspension, and/or termination of your Maya Bank Account, and proper reporting to the applicable authority of the laws, rules, and regulations that govern Maya Bank.

6.2 You agree not to use any “deep-link,” “page-scrape,” “robot,” “spider,” or other automatic device, program, algorithm or methodology, or any similar or equivalent manual process, to access, acquire, copy, or monitor any part of the Maya App, or in any way reproduce or circumvent its navigational structure or presentation, as well as to obtain or attempt to obtain any material, document, or information through any means not purposely made available through our facilities.

6.3 You agree not to gain or attempt to gain unauthorized access to any part or feature of the Maya App or to any other system or network connected to the Maya App. You also agree not to gather, harvest, or otherwise collect information about others using the Maya App without our explicit informed consent; nor restrict, prevent, or prohibit any other party from using our facilities, including but not limited to such actions which may tend to discourage others from using the services, such as stalking, flaming, or the lashing out at other parties, spamming or the sending of unsolicited information, advertisement or content, flooding or the sending of repetitive messages, trolling or the use of insulting or deliberately divisive information, material or content, other forms of annoyances, and the like.

6.4You agree not to circumvent, disable, or otherwise interfere with security-related features of the Maya App, including those that prevent or restrict use or copying of any content, material, or information available on or through the Maya App, as well as those that enforce limitations on the use of our facilities.

6.5You agree not to probe, scan, or test the vulnerability of the Maya App or any network connected to it, and not to breach the security or authentication measures on the same. You agree not to reverse lookup, trace, or seek to trace any information on any user of or visitor to the Maya App, or any other client of Maya Bank including any account maintained with our facilities not owned by you, to its source, or exploit these or any information made available or offered by or through the Maya App, in any way where the purpose is to reveal any information, including but not limited to personal identification, other than your own information.

6.6You agree to use or access the Maya App for your information and personal use solely as intended through the provided functionality of the Maya App. You agree not to copy or download any material or content from or through them unless such copying or downloading is explicitly allowed by a visible manifestation thereof such as a “download” button or a similar link ostensibly displayed. You further agree not to engage or attempt to engage in the use, copying, transmission, broadcast, display, distribution, or sale of any of the contents, material, or information available on or through the Maya App, including user comments and the like, other than as expressly permitted herein, or as explicitly indicated.

6.7You agree that you will not take any action that imposes an unreasonable or disproportionately large load on the infrastructure of the Maya App or its systems or networks, or any systems or networks connected to it.

6.8 You agree not to incorporate any word in your name, message identification, or custom user title that is defamatory, obscene or profane, or which violates any trademark, service mark, or other intellectual property rights of any third party, including that of Maya Bank. You likewise agree not to use any trademark, trade name, service mark, or logo in a way that is likely or intended to cause confusion about the owner or authorized user of such marks, names, or logos.

6.9You agree not to use any device or routine to interfere or attempt to interfere with the proper working of the Maya App or any transaction being conducted using our facilities, or with any other person’s use of these facilities. You agree that you will not engage in any activity that interferes with or disrupts our services or the servers and networks which are connected to our facilities.

6.10 You undertake to provide us with: (a) true, accurate, current and complete evidence of your identity, and promptly update your personal information if and when it changes; (b) provide us with any identity documentations as may be requested by us; and (d) any other information that must be provided for our services to be properly executed. You agree not to conceal your true name or use a fictitious name; otherwise, Maya Bank may file a criminal case against you for violation of penal laws of the Philippines, including the Anti-Alias Law (Commonwealth Act No. 142, as amended by Republic Act No. 6085), among others.

6.11 You agree to update your personal information should there be material changes or as may be required by Maya Bank from time to time.

6.12 Once you confirm the transaction or ask Maya Bank to proceed with the Transaction, you agree that you may neither cancel nor reverse such transaction. Maya Bank shall proceed with crediting the account of the recipient and once the money or fund is in the account of the beneficiary or recipient, Maya Bank cannot reverse nor deduct such account without the proper court order or authorization.

6.13 You agree not to use the facilities of Maya Bank for any purpose that is illegal, unlawful, or prohibited by these Terms, or to solicit the performance of any illegal activity or other activity which infringes on the rights of Maya Bank or others, which includes but is not limited to selling, leasing, or giving your Account to a third party.

6.14 You agree that you are responsible to check for update/s and will download such update/s to the Maya App before use. You also agree that the device used to access the Maya App is compatible or meets the minimum system requirements of the Maya App. You understand that certain Maya App functions may not be available or may be disabled by Maya Bank if you do not perform the needed update or meet the compatibility / minimum system requirements.

You agree that it is your responsibility to take all reasonable precautions to ensure that the device used to access the Maya App is free or is reasonably protected from any computer viruses or similar devices or software including, but not limited to, Trojan horses and worms.

6.15 You agree that it is your responsibility to securely keep your PIN and/or Password, including your one-time pin (OTP). The use of your

User ID and your PIN and/or Password will serve as your irrevocable authorization for us to carry out transactions that you initiated. Any fraudulent activity by your device, agents, employees, officers, and authorized representatives using your User ID and your PIN and/or Password, such as but not limited to unauthorized withdrawals or transfers, that may bring about financial losses to you is your sole responsibility.

6.16 You agree that by supplying your personal information for the purpose of using the Service, you expressly consent to the processing of your supplied personal information for the purpose of creating and maintaining your Account. Such consent includes authorization for Maya Bank to disclose, exchange, and release the said information to its associates, affiliates, subsidiaries, officers, employees, agents, lawyers, and other consultants, pre-paid/debit/credit bureaus or any such persons as Maya Bank deems necessary, or as required by laws, rules, or regulations. In the event that the disclosure or processing of your information does not fall among the above-mentioned situations, we will obtain the necessary consent, subject to existing laws, rules, and regulations on bank secrecy, data privacy, and other relevant laws, rules, and regulations.

6.17 In opening and maintaining a savings account and/or availing any of the bank products and services covered under these Terms, you agree to waive, without need of notice, in favor of Maya Bank, including any of its Affiliates, service providers, shareholders, associates, subsidiaries, officers, employees, agents, lawyers, partners, and other consultants, your rights under Section 55.1 (b) of Republic Act No. 8791 (The General Banking Law of 2000), under Republic Act No. 1405, or any other right pertaining to secrecy of bank deposits for any of the following purposes:

  1. Updating your Maya Bank account upon your request;
  2. Validating your identity before providing our services, or responding to any of your queries, applications, feedback, and complaints;
  3. Managing our day-to-day business operations;
  4. Keeping your information updated through our official data touchpoints;
  5. Providing customer service and support;
  6. Performing credit checks or due diligence checks to minimize risks or frauds;
  7. Safeguarding your account and protect you against fraud and other criminal activity;
  8. Settling claims or disputes involving any of our products and services;
  9. Complying with all applicable laws and regulations as well as performing our obligations from any legal authorities;
  10. Marketing and Credit scoring;
  11. Updating you on changes to our products or services; and
  12. For any other lawful purpose that Maya Bank may deem fit or necessary.

7. User Representation and Warranties

7.1 You warrant that all information you provided Maya Bank are true, correct, and accurate. You further warrant that in case of any change in the circumstances which affect the information you have provided to Maya Bank, you shall inform Maya Bank of such changes within fifteen (15) days from the occurrence of the said change. Maya Bank, its officers, and/or employees shall be held free from any liability for any damages, claims, or demands from your failure to do so or to inform Maya Bank in a timely manner.

7.2 By visiting and/or using the Maya App, you declare, undertake, and affirm that you take sole responsibility for whatever consequences that may arise out of your visit and/or use of our facilities. You understand that Maya Bank shall not be liable for, and you hereby hold Maya Bank free from, any direct, incidental, special, consequential, indirect, or punitive damages whatsoever resulting from your use of, or your inability to use, our facilities. On the other hand, you declare, undertake, and affirm that you shall indemnify Maya Bank for any direct, incidental, special, consequential, indirect, or punitive damages whatsoever resulting from your use of the Maya App contrary to these Terms. You further agree, undertake, and commit to indemnify Maya Bank for any breach of its proprietary and other rights, including breach of these Terms, which you may commit in the course of or arising out of your use of our facilities.

8. Reserved Rights

8.1 You understand and agree that Maya Bank reserves the right, at its sole discretion but without obligation, to deny access to and/or discontinue its services or any component thereof to anyone at any

time, temporarily or permanently, without giving any reason and/or prior notice to you. You hereby irrevocably agree, affirm, and warrant to hold Maya Bank free from any liability, both under equity and the law, arising or that may arise out of any such denial of access to or the discontinuance of its services.

8.2 You understand and agree that Maya Bank reserves the right, at its sole discretion but without obligation, to collect, screen, review, flag, filter, modify, block, refuse, or remove any and/or all information provided by any user, explicitly or implicitly to and through its facilities, including but not limited to hardware information, IP address, browser-type related information, cookies, and the like. You hereby irrevocably agree, affirm, and warrant to hold Maya Bank free from any liability, both under equity and the law, arising or that may arise out of any such collection, screening, review, flagging, filtering, modification, blocking, refusal, or removal of any and/or all information provided by any user to and through its facilities.

8.3 You understand and agree that Maya Bank reserves the right, at its sole discretion but without obligation, to enhance, improve, develop, and introduce new features and functionalities to its facilities at any time and without prior notice. You hereby understand, agree, and affirm that any such enhancement, improvement, development, new feature, and/or new functionality to the Maya App shall form part of its services as defined herein and thus shall likewise be covered by these Terms and its subsequent revisions or amendments, as applicable.

8.4 You understand and agree that Maya Bank reserves the right, at its sole discretion, to verify, check, cross-refer, validate, and ascertain the veracity and truthfulness of all information supplied by you by acquiring, accessing, retrieving, or otherwise acquiring similar or additional information supplied by you to other third-party service providers, including, but not limited to telecommunications providers, etc. You hereby expressly, unequivocally, and voluntarily allow Maya Bank to request for and secure such information, and expressly, unequivocally, and voluntarily instruct such third-party providers to: (a) receive and process Maya Bank’s request; (b) favorably act at all times on any such request by producing the information requested; and (c) when requested by Maya Bank, provide the latter with certified digital or printed copies of the said information.

8.5 You understand and agree that Maya Bank reserves the right, at its sole discretion but without obligation, to send you or cause to send you service updates and/or messages, including SMS, notifications, email and/or any data message transmission, informing you of enhancements, improvements, developments, features, functionalities, products, promotions, offers, advertisement and/or any other information relative to its services and Maya Bank. Maya Bank makes no warranty of any kind, express or implied, for such service updates and/or messages, but you hereby agree to receive such service updates and/or messages and hold Maya Bank free from any liability and/or claims for indemnification or damages that may arise there from.

8.6 You understand and agree that Maya Bank reserves the right, at its sole discretion, to set limitations to and charge fees and applicable taxes for the use of its facilities, at any time and upon prior notice. You further understand and agree that Maya Bank reserves the right, at its sole discretion and under no obligation, upon notice, to change the applicable fees, taxes, and charges levied for the use of the services, at any time, subject to the conditions set out in Section 15.1 of the Terms and Conditions.

8.7 You understand and agree that Maya Bank reserves the right, at its sole discretion but without obligation, to enforce the provisions of these Terms, including but not limited to performing investigation and legal actions with law enforcement agencies regarding the Account Holder. Non-enforcement of any of the rights of Maya Bank under these Terms, under the law or under principles of equity shall not be construed as a waiver thereof. Likewise, no subsequent course of action by Maya Bank, by you, and/or by any third party, individually or collectively, shall not operate and shall not be construed to operate as abandonment, amendment, or modification of these Terms. You likewise hereby declare, affirm, and undertake the sole obligation to indemnify Maya Bank or any third party for any damage Maya Bank or said third party may sustain as a result of your use of our facilities.

8.8 You understand and agree that Maya Bank reserves the right, at its sole discretion but without obligation, to limit the provision, availability, quantity, and quality of any feature, product, or service to any person or to anyone within the same geographic area, demographic profile, or any other market, commercial, and/or trading segments. You likewise understand and agree that Maya Bank reserves the right, at its sole discretion but without obligation, to administer and operate any and/or all of its services from any or various locations outside the Republic of the Philippines. You further understand, agree, and hold Maya Bank free from any liability arising therefrom, that not all features, products, or services discussed, referenced, provided, or offered through or in the Maya App are available to all persons or in all geographic locations, or are appropriate or available for use outside the Republic of the Philippines. Any part or the whole of these Terms are void where prohibited. You hereby understand, agree, and undertake sole responsibility for your continued access to or use of our facilities, as well as the results or consequences of such access and use, including the responsibility for compliance with applicable local laws and the sole liability for non-compliance or breach thereof.

8.9 You understand that and agree that Maya Bank reserves the right, in case of any amount mistakenly credited to your Account, to debit the erroneously credited amount from your Account and/or any of your accounts.

8.10 You understand and agree that Maya Bank reserves the right to comply with a notice or order from a court or other competent authority for the garnishment, attachment, freezing, or sequestration of any or all of your Accounts. The amount subject of the notice or order shall automatically be on hold and no withdrawals will be allowed until the order has been lifted.

8.11 You understand and agree that in the event that:

  1. a claim or dispute arises in relation to the Account, its ownership, or operation;
  2. conflicting instructions are given in relation to the Account;
  3. it receives a request or instruction to freeze the Account; or
  4. other similar or analogous circumstances occur,

Maya Bank reserves the right, in its sole discretion, to take any necessary actions, such as freezing of the account or filing interpleader suits. You understand that such actions are authorized, approved, and ratified by you and you hold Maya Bank free from any liability arising therefrom.

9. Closing of Account

9.1 You are free to close your Account with Maya Bank, subject to the submission of necessary documents and the surrender of items or documents evidencing ownership. A reasonable nominal charge will be imposed if the Account is closed within thirty (30) days from its opening.

9.2 Maya Bank may also immediately initiate closure of your Account without prior notice if misrepresentation or falsity of information provided by you is found, if the balance of the Account becomes zero (0) and remains as such for a substantial amount of time, if the Account has or is being used for fraudulent or illegal activities, or if Maya Bank finds it reasonable in order to protect its interest.

9.3 Maya Bank may also initiate closure of your Account when it finds that you have not handled the Account in a manner satisfactory to Maya Bank. Maya Bank is authorized to keep records and inform the Bankers Association of the Philippines of the closure of such accounts. 

10. Data Privacy Statement

10.1 You authorize Maya Bank and its official partners to process the personal information that you have provided directly or indirectly in our data collection touchpoints relevant to the respective purposes furnished to you in our privacy notices. 

With your active use of our products and services, you agree to the Data Privacy Statement of Maya Bank found at http://www.mayabank.ph/privacy.

11. Liabilities

11.1 You agree to indemnify, defend and hold harmless Maya Bank, its subsidiaries and affiliates, and their directors, officers, employees and agents, from and against any loss, damage, liability, costs and expenses, including reasonable attorney’s fees (collectively, “Losses’), arising out of or based on:
  1. breach of, or failure to perform, any of your obligations contained in this Agreement;
  2. your gross negligence or willful misconduct; or
  3. errors incurred by or judgments/decisions made by you.
11.2 You may be penalized by Maya Bank equivalent to the amount of damage or cost incurred or penalty paid arising from your action as listed in the preceding section or from failure to comply with any provision of this Agreement as well as other agreements with Maya Bank. 11.3 Maya Bank agrees to indemnify, defend and hold harmless you, your subsidiaries and affiliates, and your directors, officers, employees and agents, from and against any losses arising out of or based on (a) breach of, or failure to perform, any obligation of Maya Bank contained in this Agreement, or (b) the gross negligence or willful misconduct of Maya Bank. 11.4 In no event shall Maya Bank and you be liable, in the absence of gross negligence and willful misconduct, for any indirect, special, incidental or consequential damages under this Agreement, including, without limitation, loss of profits, revenue, data or use, even if Maya Bank and/or you have been advised of the possibility of such damages.

12.  Governing Law and Venue of Litigation

12.1 These Terms shall be construed and governed in accordance with the laws of the Philippines.

12.2 You understand and agree that these Terms including all disputes relative to your use of the services of Maya Bank and relating to your Account shall be governed by the laws of the Republic of the Philippines without regard to conflict of laws.  In case of any dispute arising out of these Terms or your use of the Services, you hereby agree, undertake, and commit to resolve or attempt to resolve such dispute promptly and in good faith. In case of failure to resolve any such dispute, you agree to the jurisdiction by and venue in the appropriate courts of Mandaluyong City, Philippines, to the exclusion of all other courts, and waive as you hereby waive, any objection to such jurisdiction or venue.

13. Non-Waiver of Rights by Maya Bank

13.1 Failure, omission, or delay on the part of Maya Bank to exercise its right or remedies under these Terms and Conditions shall not operate as a waiver. Any such waiver shall be valid only when reduced in writing and delivered to the Account Holder.

14. Separability Clause

14.1 Should any term or condition in this Agreement be rendered void, illegal, or unenforceable in any respect under any law, the validity, legality, and enforceability of the remaining terms and conditions shall not be affected or impaired thereby.

15. Amendments

15.1 Maya Bank may at any time and for whatever reason it may deem proper, amend, revise, or modify these Terms, which shall only be implemented sixty (60) days after notice to the Account Holders. You agree that for purposes of these Terms, publication of the revised Terms in Maya Bank’s website shall be considered as sufficient notice. It is the Account Holder’s responsibility to regularly check any changes to these Terms at www.mayabank.ph. Your continued use of Maya Bank’s services and continued maintenance of your Account after any such changes constitute acceptance of the new Terms. Failure to notify Maya Bank of your intention to terminate your Account shall be construed as acceptance of the amendments to these Terms. You may notify Maya Bank of your rejection of the amendments to these Terms within thirty (30) days from receipt of individual notice or thirty (30) days from issuance of public notice. Proper notice of your rejection would entitle you to exit the contract without penalty.

16. Notices

16.1 All notice requirements shall be as stated in these Terms. If Maya Bank is required to send notice to you, it shall do so through available channels including but not limited to, in-app notifications, SMS, email, or registered mail which shall be sent to your registered address. Publication in Maya Bank’s website shall also be sufficient notice, as may be required by this Agreement.

17. Customer Service

17.1 At Maya Bank, we consider our customer’s financial questions, needs and feedback as very important. If you have any concerns about a procedure or have encountered a problem with our service, we will do our best to address it within ten (10) calendar days. Should your concern require more time to be resolved, we will update you every step of the way.

Channel

Details

Maya Bank, Inc. Support Page

https://support.mayabank.ph/

Help Center

Access the Help Center by logging in to the Maya app, tapping the Menu button on the upper left corner, and tapping ‘Help’.

Email

support@mayabank.ph

Maya Bank
Customers
Hotline

Maya Bank Customer Service No.: (+632) 884577-88
Domestic Toll-Free Landline: 1-800-1084-57788
Using your Smart number: *788

 

You have our assurance that we will handle your concerns, feedback

You may contact Customer Service using the information below or reach out to us on our official social media channels. and information with utmost confidentiality and will strive to resolve them as soon as possible. Maya Bank will handle the information we receive as construed in Section 10 Data Privacy Statement.

Maya Bank is regulated by the Bangko Sentral ng Pilipinas: www.bsp.gov.ph

18. Corporate Governance

18.1 Maya Bank’s business activities are regulated by its own internal business rules and Corporate Governance policies which are compliant with applicable anti-corruption laws. Maya Bank’s policies and internal controls are designed to prevent bribery from occurring, avoid appearance of wrongdoing and enable Maya Bank personnel to respond promptly and effectively to any inquiries about its conduct. In case of any violation of the Corporate Governance policies by Maya Bank, its Stockholders, Directors, officers, employees, or agents, any party may report the same to Maya Bank’s Corporate Governance Office, by sending an email to corpgov@mayabank.ph, from 9AM to 6PM, Philippine Time, Mondays through Fridays, except holidays.

Annex A Table of Interest Rates

Effective as of June 2, 2023

Product

Balance Earning Interest

Base Interest Rate p.a.

Boosted Interest Rate p.a.*

Maya Savings

PHP 0.01 – PHP 100,000.00

3.5% p.a.

Up to 11.0% p.a.

PHP 100,000.01 – PHP 5,000,000.00

3.5% p.a.

0.00% p.a.

PHP 5,000,000.01 and above

0.00% p.a.

0.00% p.a.

On June 2, 2023, your new minimum base interest will be 3.5% p.a. but you can boost it up to 10% p.a. interest every time you pay with Maya from June 5 to August 31, 2023. Learn more at mayabank.ph/savings and mayabank.ph/10percentboost​​

*Eligible Smart Postpaid subscribers can boost their Maya Savings interest to up to 11% interest p.a. every time they pay with Maya starting June 9 to August 31, 2023. Learn more at maya.ph/smartpostpaidoffers

Effective as of June 2, 2023

Product

Balance Earning Interest

Interest Rate p.a.

Personal Goal (per goal account)

PHP 0.01 – PHP 1,000,000.00

4.00%

PHP 1,000,000.01 and above

0.00%

Interest rates may be changed, provided that such change shall only take effect after public notice. No interest shall accrue on accounts that are considered dormant.

Annex B Table of Fees and Charges

Fees & Charges

Amount

Remarks

Dormancy Fee

Waived*

Charged after five (5) years from last activity

Account Closure

Waived*

Charged if the account is closed within 30 days from account opening

ADB falls below the minimum required

Waived*

Charged if the account’s ADB falls below the required ADB

Bank Statement Generation

Coming Soon

Waived*

Charged for requests to generate bank statements

Bank Certificate Generation
Coming Soon

Waived*

Charged for requests to generate bank certificates

Transfer to Maya wallet

Free

Charged for
transactions made to
Maya wallets

Transfer to other Maya Bank Accounts

Free

Charged for transactions made to another Maya Bank account

Transfer via InstaPay

PHP 15.00 per transaction

Charged for
transactions done via
InstaPay

Transfer via PESONet

PHP 15.00 per transaction*

Charged for
transactions done via
PESONet

The table of fees is as of October 14, 2022.

*Waived until further notice.

Additional fees and charges may be imposed at a later time. Account Holders shall be informed of any changes to the fees and charges imposed on their account at least 60 days prior to implementation.

Annex C Special Provisions on Deposit Products

1.Personal Goals

1.1 Personal Goals Creation

1.1.1 A maximum of five (5) active Personal Goals are allowed per customer. 

1.1.2A maximum of one hundred eighty (180) days from the goal creation date is allowed for its due date. 

1.1.3. An active Maya Savings account is required before a Personal Goals account can be created.

1.2 Personal Goals Cancellation

1.2.1 Should you decide to move the funds from your Personal Goal to your Maya Savings account prior to its due date, you may cancel your goal through the Maya App. 

1.3 Crediting of Proceeds to Maya Savings Account

1.3.1 Proceeds from your Personal Goal (total deposit plus accrued interest less applicable withholding taxes), regardless if it is cancelled or completed, will be credited to your own Maya Savings account. 

1.3.1.1 After which, your Personal Goals may now be closed by tapping the button from the bottom sheet appearing on your Savings dashboard.

GET PHP100 WHEN YOU OPEN & DEPOSIT TO YOUR MAYA SAVINGS

  1. Promo period is from June 24 to July 31, 2022
  2. This promo is open to Maya users who have accomplished the following within the promo period
    1. New Maya users who have signed up and upgraded their account within the Maya App, excluding embedded wallets (Gigalife, Rockwellist, Messenger, etc.
    2. Have opened a Maya Savings account
    3. Have deposited any amount to their Maya Savings account
  3. Users who signed up for Maya and opened a Maya Savings account before or after the promo period are not eligible for the program
  4. Qualified users can earn PHP 100 cashback voucher when they are able to accomplish all the steps in Step 2.
  5. To deposit money to your Maya Savings account, just go to the Maya Savings dashboard and tap deposit from Maya wallet to your Maya Savings account.
  6. The user can earn the PHP100 cashback voucher only after depositing any amount to their Maya Savings account.
  7. Qualified users will receive their cashback voucher in the Maya app up to fourteen (14) business days after the promo period.
  8. To redeem the voucher, follow these steps:
    1. Open the Maya app and log in to your account
    2. Tap “Vouchers” in the home screen
    3. Select the voucher you want to redeem under “Available” and tap “Claim”
    4. Review the details and amount of the voucher and tap “Claim Now”
    5. You will receive a notification of the voucher redemption in-app and via SMS
    6. Redeemed voucher amount will be reflected in your Maya account balance
  9. All Maya users must follow strict compliance with mandatory social distancing requirements as imposed by the Philippine government to prevent the spread of the COVID-19 virus. For your health and safety, always remember to maintain spacing of at least 1 meter in diameter between you and other people while in public areas.
  10. Maya users with merchant accounts and those under Maya Business App are disqualified from participating in this promo.
  11. This promo is applicable to unique and valid Maya accounts only. Maya reserves the right to withdraw rewards or prizes if one person has already received the prize or benefit beyond the maximum reward, even if already issued.
  12. Maya users with duplicate accounts or who are blacklisted cannot participate in this promo. Maya reserves the right to cancel or withdraw the prize or benefit if proven to be a duplicate account or participant is blacklisted.
  13. Maya reserves the right to refuse the awarding of rewards or prizes to accounts that are proven to be invalid or fraudulent or a result of gaming (i.e. abuse of system or weakness in the promo to win prizes or receive benefits).
  14. Should the qualified deposit transaction be cancelled or declined within the promo period, whether the cancellation is customer- or biller-initiated, Maya reserves the right to withdraw the cashback or reward equivalent to the cancelled transaction, even if the cashback or reward has already been credited.  Maya reserves the right to debit any points/cash reward credited from your balance. If your balance is insufficient to cover the amount to be withdrawn at the time of withdrawal, Maya reserves the right to debit the balance not withdrawn when your balance is sufficient.
  15. The customer must notify Maya for any complaints regarding the promo. The decision of Maya on the complaint with concurrence of DTI FTEB shall be considered final. For clarifications and complaints relative to this promo, please email support@maya.ph.
  16. Maya users who have exceeded their aggregate limits may not receive their prize or cashback on time. The prize or cashback can only be credited the following month or once a user’s account balance is once again within the allowable limits – Php 50,000 for starter accounts and Php 100,000 for upgraded accounts.
  17. Deposits are insured by PDIC up to P500,000 per depositor.

DTI Fair Trade Permit No. FTEB- 145630 Series of 2022

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