Finance

Maya Savings, Personal Goals, more: How to make your bonus work for you

Tips from Maya

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All-in-one digital bank Maya is urging Filipinos to make their bonus work smarter, grow faster, and set them up strong for 2026.

As it is already the Christmas season, most Filipino professionals have just received or will be receiving their 13th month pay. But before that disappears into holiday hauls, Maya has tips so users be on top of their finances.

Give your extra money an assignment

Bonuses aren’t a windfall; it’s a strategy. Before anything else, Filipinos should give every peso a purpose.

A simple split could look like this:

  • 50% bills and responsibilities
  • 30% for fun
  • 20% for savings and investments

For payments, it makes sense to use Maya. This holiday season, the banking app has a TWINYONARYOS promo wherein a user and a chosen referral can both win PhP 1 million each.

Park money for the future

Those who already have a Maya account can also take advantage of Maya Savings, where money can grow with up to 15% p.a. interest credited daily.

Then, build structure with Maya Personal Goals. Users can create five different goal accounts on the app, each earning 4% base interest. The rate also increases every PhP 20,000 added.

But for those who wants bonus to grow steadily and predictably, Time Deposit Plus comes in handy. Lock money for 3, 6, or 12 months with guaranteed rates of up to 6% p.a. on deposits up to PhP 1 million per TDP account.

Build a buffer for life’s curveballs

Lastly, users can boost their emergency fund using Maya Savings or set up a dedicated Personal Goal just for emergencies.

Maya Easy Credit also gives instant access to funds with no paperwork or collateral so you don’t have to touch your hard-earned savings when things get tough.

Finance

New luvit card offers flexible Buy Now, Pay Later installments

Simple application process, borrow up to PhP 200,000

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FinVolution Group has unveiled the luvit card, making everyday payments accessible and flexible for users through a Buy Now, Pay Later approach.

The rollout marks the company’s move into card-based solutions, bringing installment-enabled transactions into a format that works both online and in physical stores — whether locally or abroad.

To get started, simply download luvit via the App Store or Google Play. Signing up on the app only needs minimal requirements and fast approval.

Once approved, users can start using the Mastercard-powered physical luvit card for a range of expenses. This includes daily purchases, bills, travel bookings, and other lifestyle spendings.

Users can borrow from PhP 2,000 to PhP 200,000 (~US$ 32.56 to ~US$ 3,255.80).

The Buy Now, Pay Later card is designed to accommodate various financial needs. Users can repay in installment options that work for them. In addition, a 0% interest installment is available for the first 40 days.

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Finance

Atome now allows in-app bill payments with Bayad partnership

Pay for utilities, internet, government contributions directly within the app

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Atome Philippines has partnered with Bayad to allow users to pay for utilities, internet, and government contributions directly within the Atome app.

The integration with the country’s largest bill payment aggregator is designed to help Filipinos manage household budgets more easily without the need for extra steps.

Atome users no longer need to switch from one app to another, nor visit websites to handle monthly bills. Bayad’s extensive network of billers and service providers can be accessed through the platform.

As such, electricity and water bills, as well as government fees, can be paid for directly via the app.

Beyond convenience, users will likewise earn Atome rewards points on every utility bill payment they make.

The partnership between Atome and Bayad is an important step in financial inclusion in the Philippines.

It gives unbanked and underbanked individuals a simpler and more rewarding way to manage essential household expenses.

Atome is known popularly for its Buy Now, Pay Later (BNPL) offering. It has tie-ups with retailers like fashion, beauty, travel, and more.

The digital financial service platform also offers a Mastercard-powered BNPL card, as well as petty cash loans.

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Finance

Maya waives withdrawal, InstaPay transfer fees for Middle East remittances

Until April 10, for families relying on remittances from loved ones in the region

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Maya Savings

Maya is extending support to Filipino families receiving remittances from loved ones working in the Middle East. This is through rebates for withdrawal and InstaPay transfer fees until April 10 as developments continue to unfold across parts of the West Asian region.

From March 23 until April 10, Maya users who receive remittances from select Middle Eastern countries can unlock a set of transaction rebates. This is designed to help them access and use the funds more easily.

Select countries include: Bahrain, Kuwait, Oman, Qatar, Saudi Arabia, United Arab Emirates, Israel, Lebanon, and Jordan.

The region remains one of the Philippines’ most important remittance corridors. There are an estimated 2.4 million Filipinos residing in the region, based from Department of Foreign Affairs (DFA) data.

These overseas-based citizens contribute over US$ 6.4 billion in remittances in 2025 alone, based on preliminary Bangko Sentral ng Pilipinas (BSP) data.

Eligible Maya users who activate Maya XP will receive the following rebates:

  • ATM withdrawals: PhP 18 credited back per transaction
  • InstaPay transfers: PhP 15 credited back per transaction

In addition, eligible users may also enjoy cashback on mobile load purchases. The discount ranges from 1% to 3%, depending on their Maya XP level.

After receiving a qualifying remittance, eligible users will receive an invitation to activate
Maya XP. The invite will pop up within one to three days.

Eligible users can activate their Maya XP directly within the Maya app by accessing the Maya XP  section in the Wallet Dashboard or Profile page and completing the quick “Get started” process, including providing the required consent.

Once activated, users can immediately begin enjoying rebates on eligible transactions.

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