The Smart Saver’s Guide to Surviving Rising Prices

At this point, checking prices before buying anything is already a must. One minute you’re grabbing your usual coffee, the next you’re doing mental math like, “Wait… has this always been this expensive?” Between rising gas prices, pricier groceries, and everything in between, it’s getting harder to pretend your budget hasn’t changed.

Now more than ever, it helps to be more intentional with how your money moves—because even small shifts can add up over time.

Here’s what that can look like:

Know your “default gastos”

Everyone has a baseline: your usual transport, food, subscriptions. The tricky part is these are also the ones that quietly go up. Taking a closer look at your weekly spend makes it easier to spot where your money is actually going, and where small adjustments can make a difference.

From there, it’s not just about cutting back, but spending smarter. Using tools that give something back like cashback or fuel discounts can help offset rising costs without needing to sacrifice as much. 

For example for fuel expenses, using your Maya Debit Card can get you 5% cashback1 with a minimum spend of ₱500, capped at ₱300, a small but practical way to ease rising gas costs. 

If you’re using the Landers Cashback Everywhere Credit Card, you can earn 1% cashback at Landers Caltex branches, plus up to 5% cashback at Landers Superstore, 2% on dining, and 1% on other transactions.

Even your regular purchases can stretch a little further. With the Maya Black Credit Card, your accumulated Maya Miles can unlock up to ₱1,500 worth of Pricelocq fuel vouchers in the app’s ‘Rewards’ catalogue, an easy way to turn routine spending into something more useful.

Because when it comes to rising prices, the goal isn’t just to spend less, it’s to make every peso go a little further.

If your money’s just sitting there, you’re losing a bit of it

With prices rising, idle money doesn’t stretch as far. That’s why more people are keeping their savings somewhere it can earn in the background, so even when you’re not actively saving more, your money is still doing something. With Maya, the country’s #1 Digital Bank and leading all-in-one fintech platform, you can earn up to 15% interest p.a. on your savings, just by using Maya for your everyday purchases.

Have a “just in case” fund, even a small one

Unexpected gastos hit harder now. A slightly higher grocery bill or a sudden fuel hike can throw things off. Setting aside a small buffer gives you a bit of breathing room.

For short-term needs, having access to something like Maya Easy Credit2 can help you stay on track without dipping into your savings. It offers a revolving credit line of up to ₱50,000, payable in up to 30 days, helping bridge temporary cash flow gaps while giving you clear visibility into your repayment.

Use extra funds strategically

When you do have extra money, even small amounts, it helps to give it a clear purpose instead of letting it sit or disappear into everyday spending. Some are setting aside funds into goal-based savings, like Maya Personal Goals, where you can create up to five savings targets for things like emergencies, travel, or future plans. Each goal earns 4% interest per annum, with rates increasing the more you save, reaching up to 8% p.a. as you build your balance.

For those who prefer a more structured approach, options like Time Deposit Plus offer a way to lock in funds for a set period—whether 3, 6, or 12 months—earning up to 6% p.a. while keeping your savings untouched. With multiple accounts available, it’s a way to stay disciplined while steadily growing your money in the background.

Most of the time, it’s small tweaks like being more aware of your spending, letting your savings earn quietly in the background, and making smarter choices with everyday expenses, that make things feel more manageable.

At a time when everything feels like it’s getting more expensive, being a “smart saver” isn’t about doing less, it’s about being more aware of your finances. And with the right tools working quietly in the background, it becomes a lot easier to stay on track without overhauling your entire life.

To know more, visit maya.ph/MayaFuelCashback2026, maya.ph or mayabank.ph, and follow @mayaiseverything on Facebook, Instagram, YouTube, and TikTok to stay updated. Approval and offer are subject to credit evaluation. 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.  For 24/7 assistance, visit the Help Center in the Maya app or call us from 8 AM to 7 PM daily at +632 8845-7788. 

Financial Independence Is the Real Power Move This Women’s Month and Maya Is Here to Help

 

Women’s Month this year opened with a clear message: women are done settling for less. Across social media, conversations about respect and accountability have been louder than ever.

But empowerment isn’t just about calling things out. For many, it’s also about making sure they never feel financially stuck in the first place. Because independence doesn’t only show up in conversations or personal choices. It shows up in everyday decisions, including how we manage our money.

As the country’s #1 Digital Bank and leading all-in-one fintech platform in the Philippines, Maya is helping more Filipinos take control of their finances with tools that make saving, spending, and borrowing easier to manage.

If you’re thinking about strengthening your own financial independence, here are a few places to start:

Start by Building Your Own Safety Net

One of the most empowering things you can do for yourself financially is having a buffer.

Life happens: a medical bill, an urgent repair, or a sudden trip. And when those things come up, having savings means you don’t have to rely on anyone else or scramble for solutions.

With Maya Personal Goals, you can create up to five savings targets for things like emergencies, travel, or future plans. Each goal earns 4% interest per annum immediately, and every ₱20,000 added increases the rate, reaching up to 8% p.a. on deposits of up to ₱100,000.

If you prefer a more structured way to grow your savings, Time Deposit Plus allows you to lock in funds for 3, 6, or 12 months, earning up to 6% p.a. on deposits of up to ₱1 million per account. With up to five accounts available, that’s as much as ₱5 million growing through disciplined saving.

Spend for Yourself. Not for Expectations.

Another part of financial independence is deciding what your money should actually go toward.

Used responsibly, credit cards can make everyday spending work in your favor. The Maya Black Credit Card, for example, turns routine purchases into rewards. Cardholders earn instant Maya Miles on all transactions — from groceries and bills to flights, hotel bookings, dining, and more.

At Maya Black Preferred merchants, you can earn up to 10X Maya Miles, helping rewards build faster on select purchases. Those Miles can later be used to offset future travel and lifestyle expenses.

With no annual fees for life, Maya Black also comes with premium perks like complimentary quarterly global lounge access, making travels more comfortable without the typical annual costs associated with premium cards.

For those who prioritize everyday savings, the Landers Cashback Everywhere Credit Card offers a practical way to make the most of your spending. Cardholders can enjoy up to 5% cashback at Landers, 2% cashback on dining, and 1% cashback on other transactions, turning routine expenses into real savings.

Borrow When You Need To — But Borrow Smart

Independence doesn’t mean never seeking help. It means knowing your options.

For short-term needs, Maya Easy Credit¹ offers a revolving credit line of up to ₱50,000, payable up to 30 days, helping bridge temporary cash flow gaps while giving you clear visibility into repayment.

For big goals or unexpected expenses, Maya Personal Loan² provides up to ₱250,000 with flexible repayment terms of up to 24 months, making it easier to manage obligations without unpredictable balances.

Having a variety of borrowing options means you can stay in control of the situation, not the other way around.

Let Your Money Grow Alongside Your Goals

Financial independence rarely comes from one big move. More often, it’s built through small decisions like saving consistently, spending intentionally, and making sure your money is working for you.

Keeping funds in Maya Savings can earn up to 15% interest per annum, credited daily, helping balances grow steadily while remaining accessible when needed.

Women’s Month is often about celebrating progress. But it’s also a reminder of something important: Independence isn’t just social or cultural. It’s financial too. And increasingly, more Filipinas are making sure they have both.

To know more, visit maya.ph or mayabank.ph, and follow @mayaiseverything on Facebook, Instagram, YouTube, and TikTok to stay updated. Approval and offer are subject to credit evaluation. 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. For 24/7 assistance, visit the Help Center in the Maya app or call us from 8 AM to 7 PM daily at +632 8845-7788.

Get Your Travel Fund Summer-Ready with Maya

 

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.

Your Dinner Plans This Love Month, Now With 20% Cashback When You Pay With Your Maya Credit Card

February usually means more dinner plans than usual. Some are dates. Some are catch-ups. Some are just excuses to go somewhere good. And if a solid night out for you means great food, good company, and a bill that doesn’t kill the vibe, this one’s for you.

This Love Month, Maya, the #1 digital bank and leading all-in-one fintech platform in the Philippines, is adding a little extra value to your nights out. Credit cardholders can enjoy 20% cashback on a minimum single receipt of ₱3,500 at participating restaurants, capped at ₱1,000, when you pay with your Maya Credit Card.

Whether it’s an intimate table for two, shared plates with friends, or finally checking out that restaurant you’ve been saving for months, the idea is simple: enjoy the night and get something back.

It works across the kinds of places people usually gravitate toward this season. Think dining at Antonio’s, Gallery by Chele, Toyo Eatery, or Hapag; intimate, chef-driven spots like Helm, Celera, or Den by Nikkei; and classic go-tos for a dressed-up night out such as Blackbird, Wolfgang’s Steakhouse, Smith & Wollensky, Mamou Prime, or CRU Steakhouse.

And because good nights don’t always end when the plates are cleared, Maya is extending the same 20% cashback to Manila’s bar scene. This month, cardholders can enjoy cashback on a minimum single receipt of ₱2,500 at participating bars, capped at ₱600.

The bar list includes some of the city’s most familiar late-night fixtures, such as Blind Pig, After Hours, El Gato, Three Dots, and The Opal Bar—places where one drink is rarely the last.

On top of the cashback, cardholders continue to earn their usual rewards. Maya Black Credit Card users receive up to 10x Maya Miles, while Landers Cashback Everywhere Credit Card holders earn 2% cashback points on eligible transactions.

For the full list of participating restaurants and bars and complete promo details, visit maya.ph/curateddining.

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.

Miss Universe Philippines 2026 Makes History with First-Ever Daily Free Fan Voting, Powered by Maya

Miss Universe Philippines (MUPh) 2026 raises the bar with the launch of its first-ever daily free fan voting experience powered by Maya, the #1 Digital Bank in the Philippines and Official Voting Partner of MUPh 2026.

 

Through the Maya app, pageant fans can conveniently cast votes for their favorite candidates and receive free votes every day, allowing them to consistently show support throughout the competition. This makes fan participation more accessible and rewarding, enabling more Filipinos to actively take part in the journey to the crown.

 

For the first time ever, fans will also be able to participate in live voting during the coronation night. This marks a significant step forward in making the Miss Universe Philippines experience more interactive, secure, and inclusive.

 

A More Inclusive Miss Universe Philippines Experience

At the heart of this initiative is greater accessibility and participation. Through this collaboration, pageant fans nationwide can easily engage in the competition via public voting and real-time judging moments.

 

Fans can support their favorite MUPh candidates directly through the Maya app. By upgrading their Maya account, users can unlock access to free daily votes — making it easier to stay engaged and play a more active role in shaping the outcome of the pageant.

 

Step Into the Judge’s Seat
Public voting through the Maya app will be open for a limited period ahead of coronation night, with the full voting timeline to be announced on the official Miss Universe Philippines social media accounts.

As part of this initiative, public votes submitted through the Maya platform will be integrated into the overall selection process, alongside expert evaluation, leading up to the announcement of semifinalists on coronation night.

In this way, both expert insight and public participation help shape the final results. Rather than simply watching from afar, Filipinos can now take part in a shared moment of pride, representation, and excitement.

Be Part of History

As Miss Universe Philippines continues to evolve, this partnership with Maya signals a future where beauty, leadership, and representation are shaped not only by experts, but by the Filipino people themselves.

 

With credibility, accessibility, and public participation at its core, the journey to the crown becomes a truly shared experience.

A Speedy Comeback: Julia Barretto and Maris Racal Show How Fast Borrowing Can Be with Maya

 

If you’ve seen Julia Barretto and Maris Racal slap each other with money in their recent Maya video, you already know they make money moments unforgettable. Now, they’re back at it again. But this time, it’s about staying ready when life moves fast.

In Maya’s newest video, Julia and Maris tap into a reality familiar to many Filipinos: when you need cash, you often need it fast. Watch as they show how borrowing with Maya feels:

https://youtu.be/GwZb4eAJUgo?si=z9i2KFBSUknQUPtC

The visual gag is playful, but the message behind it is clear: getting a loan with Maya is fast, simple, and legit.

Making Lending Feel Relatable and Less Intimidating

By pairing two of today’s most relatable stars with an exaggerated, almost cinematic take on speed, the film reframes lending in a way that feels familiar rather than intimidating. Instead of complex terms or heavy explanations, the message comes through visually and instantly: when life happens fast, getting financial support doesn’t have to feel stressful.

This move is part of Maya’s continued push to make financial services more accessible, transparent, and relevant. As the #1 digital bank and leading fintech ecosystem in the Philippines, Maya brings together savings, payments, credit, and loans in one app, helping Filipinos feel more confident and in control of their money, whether they’re planning ahead or navigating everyday realities.

Fast Access, Real Options

Maya makes borrowing easier through its lending products, starting with Maya Easy Credit, which gives users quick access to a revolving credit line of up to P30,000 directly in the app. Designed for short-term needs, Maya Easy Credit comes with instant approval and quick access to funds, plus low fees and easy repayment, all without paperwork, collateral, or long waiting periods.

For bigger plans or more structured needs, Maya Personal Loan offers higher loan amounts of up to P250,000 with longer repayment terms of up to 24 months. It’s fully digital with a fast and hassle-free approval process. From application to approval, the process is streamlined, reflecting exactly what the film dramatizes: when you need funds fast, Maya gives you access to it– now.

What sets Maya apart, however, is that speed doesn’t come at the cost of responsibility. The platform encourages smart borrowing habits by rewarding users who make consistent and prompt repayments with better loan offers, easier access, and a smoother borrowing experience over time. Simply put: the more responsibly you borrow and repay, the easier it gets next time.

To learn more, visit maya.ph or mayabank.ph, and follow @mayaiseverything on Facebook, Instagram, YouTube, and TikTok to stay updated. Approval and offer are subject to credit evaluation. Maya Philippines, Inc. and Maya Bank, Inc. are regulated by the Bangko Sentral ng Pilipinas (www.bsp.gov.ph). For 24/7 assistance, visit the Help Center in the Maya app or call us from 8 AM to 7 PM daily at +632 8845-7788. 

Your Bonus Just Dropped—Here’s How To Make It Work Harder with Maya

 

Your 13th-month pay just landed and suddenly everything feels possible. The cart you’ve been “saving for later,” the holiday plans, the upgrades, the “I deserve this” moment. But before you go full haul mode, here’s a little reality check: your bonus is more than a treat. It’s a reset button, a jumpstart, and honestly, one of the best chances you’ll get all year to build a healthier relationship with your money.

So if you want to enter 2026 with your finances looking put together, here’s your guide — powered by Maya, the #1 Digital Bank and #1 Fintech Ecosystem in the Philippines.

1. Don’t spend blindly, give your money an assignment.

Your bonus isn’t a windfall, it’s a strategy. Before anything else, give every peso a purpose. Try this simple split:

• 50% for bills and responsibilities

• 30% for fun (yes, you can still treat yourself)

• 20% for savings or investments

When you do spend, make the swipe intentional. Pay for gifts, bills, groceries, and holiday outings with Maya, because this Christmas, Maya is giving you and your chosen referral a chance to be TWINYONARYOS—each winning ₱1 million! Using Maya Easy Credit? That’s 5x more entries. And here’s the ultimate power move: refer friends with your @username and earn 10x more entries per successful referral. 

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.

Just tap and go when you link your Maya Credit Card to Google Pay!

Filipinos practically run their entire lives on their phones — checking group chats, booking rides, and juggling a dozen errands in between. But even with everything going digital, paying with your phone can still slow you down – especially with QR codes. Scanning with your phone, waiting for SMS confirmation, or having cashiers take screenshots and double-check a QR payment? Suddenly, your quick stop turns into a waiting game.

Maya, the #1 Digital Bank in the Philippines, is changing that. As one of the first banks in the country to enable Google Pay for credit cards, Maya is putting next-generation payments directly in your hands. Yup, Android users can now tap and go by simply adding their Maya Credit Card to Google Wallet. Even better? Tap to Pay via the Maya app is coming soon, making paying faster and easier than ever.

Why Tap to Pay Just Makes Sense 

Life moves fast—commuting, grabbing coffee, running errands between meetings. And through all of that, your phone is always in your hand. So, it only makes sense for paying to keep up. 

It’s no wonder most prefer tapping with their credit cards. It’s quick, convenient, and comes with rewards. But there’s an even faster way to pay: Tapping with your phone.  With Maya on Google Pay, your phone becomes your wallet. No digging through your bag, no fumbling for a card—just one motion and you’re done. Plus, you still get the rewards you love:

• Instant Maya Miles with your Maya Black Credit Card, and

• Cashback with your Landers Cashback Everywhere Credit Card.

An Easier & More Effortless Way to Pay

Paying with your Maya Credit Card on Google Pay is instant and incredibly smooth:

• Add your Maya Credit Card to the Google Wallet app

• Unlock your phone, open Google Wallet, and tap at any NFC-enabled terminal

• Pay anywhere Visa or Mastercard contactless is accepted globally

No extra steps. No friction. Just fast, secure, tap-and-go payments — whether you’re buying coffee, catching a ride, or checking out at your favorite stores.

Perks That Make Tapping Even Better

To celebrate this new way to pay, Maya and Visa are giving your PickUp Coffee run an upgrade. Tap to Pay with your Maya Credit Card via Google Pay and you get ₱50 off on your drink—yes, just for tapping. Your caffeine fix, now with tap-exclusive perks.

With this feature now available, you can finally ditch the unnecessary steps and go straight to the part that matters—tapping, earning, and getting on with your day. Paying shouldn’t slow your down, and now it won’t.

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.

Treat Yourself to 20% Off at the Most Raved-About Restaurants in the Philippines with Your Maya Credit Card

 With the first-ever Michelin Guide Philippines now officially announced, the spotlight is on the country’s growing dining scene — from chef-driven tasting menus to proudly local kitchens redefining Filipino flavors. And whether you're finally trying a restaurant you've kept on your “someday list” or returning to a comfort favorite, Maya makes every meal better. 

Maya Credit Card users can enjoy up to 20% cashback (capped at ₱1,000 per month) when they dine and pay with their Maya Black Credit Card or Landers Cashback Everywhere Credit Card at thousands of restaurants nationwide — including several featured in the newly released Michelin Guide Philippines, such as Helm, Asador Alfonso, Celera, Gallery by Chele, Hapag, Inato, Kasa Palma, Linamnam, Toyo Eatery, Bolero, Cabel, Cochi, Halong, Lampara, Los Tacos, Manam (The Triangle), Pilya’s Kitchen, Some Thai, Taqueria Franco, The Underbelly, Your Local, 12/10, Antonio’s, Automat, Blackbird, Carmelo’s Steakhouse, Cirkulo, Fresca Trattoria, Gordon Ramsay Bar & Grill, Goxo, Locavore, Lore, Lusso, Mamacita, Metiz, Now Now, Old Manila, Pablo, People’s Palace, Ramen Ron, Sala, Seva, Socarrat, Super Uncle Claypot, Taupe, Terraza Martinez, Txanton, Uma Nota, and Yamazato. 

Note: Restaurant listings are based on the official MICHELIN Guide Philippines 2025 release. 

And the best part? This 20% dining cashback comes on top of your regular card rewards. 

✅Maya Black users still earn up to 10x Maya Miles at Maya Black Preferred Merchants 

✅ Landers Credit Card users still earn extra cashback on every purchase 

Apply for a Maya Credit Card and explore dining deals at https://www.maya.ph/dineanywhere. For more information, visit maya.ph and mayabank.ph, and follow @mayaiseverything on Facebook, Instagram, YouTube, and TikTok. 

Maya is not affiliated with or endorsed by the MICHELIN Guide. Restaurant information is based on publicly available listings from the MICHELIN Guide Philippines.  

Escape the Performative Money Trap and Start Making Moves That Matter with Maya

 We’ve all been there: swearing that this is the year we’ll finally save, spend smarter, and stop the endless cycle of “budol” buys. But somehow, the plan to get our finances together turns into another “next time” situation.

Truth is, most of us fall into performative money habits. We mean well, but our actions don’t always match our intentions. If you’re serious about leveling up your finances before the year ends, it’s time to trade old patterns for smarter habits that actually grow your money. Thankfully, Maya, the #1 Fintech Ecosystem and #1 Digital Bank in the Philippines, makes it easier (and more rewarding) to do just that.

Here’s how to break free from the usual money traps: 

1.  Start saving with purpose (and peace of mind)

Let’s be honest, if you’re saving whatever’s left after bills and brunches, there usually isn’t much left to save. It’s time to make this your first move: start treating saving like your first bill of the month and not as an afterthought  With Maya Personal Goals, you can set up specific savings targets — whether it’s for a trip, a new gadget, or an emergency fund — and earn up to 8% interest per year as you go.

Here’s how it works:

• Create up to five Personal Goals inside the Maya app.

• Name each goal, set your due date and target amount.

• Fund it from your Maya Wallet, Maya Savings, or even another bank.

Once you’ve set your goals, all that’s left to do is watch your money grow. Each one earns 4% interest per year right away, and every ₱20,000 you add unlocks a higher rate—up to 8% per year for deposits up to ₱100,000. There are no lock-up periods or penalties, so you stay flexible while still growing your money.

2. Make every spend work harder for you

If you’re spending anyway, you might as well make it count. With Maya, every swipe does more for you boosting your Maya Savings interest up to 15% p.a. and unlocking even more rewards through Maya Credit Cards.

Got weekend plans? Use your Maya Credit Card and earn up to 20% cashback when you dine anywhere until December 31, 2025. Love grocery runs or bulk shopping? The Maya Landers Credit Card gives you 5% cashback at Landers every time you stock up.

And if you want to take it up a notch, the Maya Black Credit Card lets you earn Maya Miles for every purchase so your daily spending can literally take you places.

3. Take control of credit and use it to build your future

A lot of us were raised to think credit is bad. But when done right, credit is actually a powerful tool for growth.

If you’ve never had a credit card before, Maya Black Express is a great way to start. It gives you access to credit perks of Maya Black but with less pressure. You just make a one-time Express Deposit (starting at ₱12,500) that sets your spending limit and that deposit stays in your Maya Savings, earning 3.5% interest per year while you use your card.

Every purchase helps you build your credit score, bringing you closer to qualifying for the full Maya Black Credit Card and all its lifestyle-level perks in as fast as six months.

4. Start where you are and scale with Time Deposit Plus

You don’t need to wait for a pay raise to start managing your money better. But once you’re ready to take your savings to the next level, Maya Time Deposit Plus can help you grow more consistently.

You can lock in your money for 3, 6, or 12 months with rates as high as 6% p.a. on deposits of up to ₱1 million per Time Deposit Plus account, and with up to five accounts, that’s as much as ₱5 million in total interest-earning deposits.

The best part? You can keep adding funds anytime, even after reaching your target amount. It’s perfect for anyone who wants the structure of a time deposit, but the flexibility of modern saving.

We’ve all made money mistakes — what matters is learning how to move past them. Breaking from performative habits starts with one small, intentional change, and Maya makes that change rewarding, simple, and smart.

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.