Finance
Maya Savings, Personal Goals, more: How to make your bonus work for you
Tips from Maya
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
Atome now allows in-app bill payments with Bayad partnership
Pay for utilities, internet, government contributions directly within the app
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.
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
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.
Deals
GoTyme Bank, Visa partner for FIFA World Cup 2026 raffle giveaway
Win an all-expense-paid trip to the World Cup with your GoTyme Visa Debit Card
GoTyme Bank and Visa have officially teamed up for a FIFA World Cup 2026 raffle giveaway.
This gives Filipino football fans the chance to win an all-expense-paid trip to attend either the World Cup Group Stage or Final in the United States.
The partnership marks GoTyme Bank’s growing presence not only in the market but also in the global stage. Recently, the digital bank has grown to over 9 million customers in the Philippines, and 20 million worldwide.
Under the partnership, GoTyme Bank and Visa have released new limited-edition FIFA World Cup 2026-themed Visa Debit Cards.
These are available in two designs: Pitch Black and Trophy Gold. Both are designed by Filipino artist Ross Du, who incorporated the iconic tournament’s iconic trophy.
The latter, in particular, has some rarity as there will only be 20,000 copies printed in GoTyme Bank kiosks nationwide. Customers can have them printed starting March 23.
Print, Spend, Score
To join the raffle, cardholders simply have to spend at least PhP 1,000 for a raffle entry. That’s using the Classic or Pitch Black card.
Overseas spending also comes with a 3x multiplier, meaning three entries for every PhP 1,000 spent abroad.
Two winners — one Classic and one Pitch Black cardholder — will each win an all-expense-paid trip for two to attend the FIFA World Cup 2026 Group Stage in Los Angeles.
But even better, those who get the exceptionally rare Trophy Gold card will automatically get a raffle entry for the grand prize raffle draw — with no minimum spend required.
One Trophy Gold cardholder will win an all-expense-paid trip for two to attend the World Cup Final in New York City. This includes roundtrip business class seats as well.
In addition to the major prizes, 10 customers will receive exclusive FIFA World Cup 2026 Visa Premium merchandise.
The fly-off promo runs until May 7 for the Classic and Pitch Black cardholders and until June 10 for the Trophy Gold cardholders.
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