If your group chats have quietly rebranded themselves into “Siargao 2.0” or “Japan 2026,” that’s usually the cue: summer planning has officially begun. Flights are being shared. Leave credits are being filed. Outfit mood boards are slowly taking shape. But here’s what’s different in 2026: trips no longer feel like spontaneous splurges — they feel intentional.
Recent findings show that Millennials and Gen Z travelers aren’t just spending on travel. They’re planning earlier, booking more deliberately, and mapping out itineraries months in advance. Vacations are now treated as milestones to build toward, not just swipe for. Financial preparation has become part of the process, right alongside Pinterest boards and shared spreadsheets.
That’s where Maya, the country’s #1 digital bank and leading all-in-one fintech platform, fits naturally into the picture. As travel plans take shape, your travel fund should too.
Build the Travel Fund Before You Book
Stress-free travelers don’t start saving two weeks before takeoff — they build dedicated funds early.
Whether it’s a cherry blossom escape, a long-overdue European milestone trip, or a quick beach reset, more users are setting up travel funds through Maya Personal Goals and contributing gradually over time. Instead of mixing airfare with grocery money, they separate everyday spending from future plans. Rent stays rent, while travel money grows steadily in the background.
With Maya Personal Goals, users can create up to five separate savings targets and earn 4% interest per annum from day one. Every ₱20,000 added boosts the interest rate, reaching up to 8% p.a. on deposits of up to ₱100,000 — making it easier to grow travel funds faster without disrupting daily expenses.
Spend Strategically, Not Impulsively
Planning doesn’t mean stopping spending. It means making every peso work harder.
By keeping funds in Maya Savings and using Maya for everyday transactions, users can grow their money while managing regular expenses. With up to 15% interest per annum and interest credited daily, savings don’t just sit — they grow consistently.
Spending can also be strategic with the Maya Black Credit Card, which earns instant Maya Miles on all transactions — from flights and hotel bookings to groceries, bills, and dining. At Maya Black Preferred merchants, cardholders can earn up to 10x Maya Miles, accelerating rewards on select purchases.
Miles can later be used to offset future travel expenses, turning routine spending into real travel value. Frequent flyers also receive complimentary quarterly global lounge access — a premium perk that elevates departure days without the typical high annual fees. Globally accepted and built for a digital-first lifestyle, the card complements how modern travelers move: cashless, connected, and prepared.
Even pre-trip dinners can work in your favor. Using the Maya Credit Card at participating restaurants offers up to 20% cashback straight to your Maya wallet, helping stretch budgets without cutting back on the send-off moments that make trips memorable.
Because optimizing spending doesn’t mean sacrificing joy — it means making travel sustainable.
Summer memories feel better when they aren’t financed by future stress. So go ahead — book the flight, build the Pinterest board, and finalize the itinerary. Just make sure your travel fund is growing while you do.
Follow @mayaiseverything on Facebook, Instagram, YouTube, and TikTok for updates. 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.
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