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

GoTyme Bank grows to 10 million users in the Philippines

Over US$ 859.4 million in customer deposits

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GoTyme Bank has reached the 10 million-user milestone in the Philippines, one of its key markets.

A joint venture between the parent Tyme Group and the the local Gokongwei Group, the digital bank has officially grown to 10 million strong, its latest accomplishment after debuting in the country three years ago.

The milestone is backed by over PhP 53 billion (~859.4 million) in customer deposits and sustained engagement across the GoTyme Bank ecosystem.

A core driver of the bank’s rapid growth is its integration into users’ daily financial habits. GoTyme was the Most Used Visa Debit Card in the Philippines, based on Visa debit active usage data in 2025.

The bank has also offered free InstaPay transfers from the start (capped at 20 transactions a month) for greater flexibility. There are also more than 160 billers on the app.

Complementing the digital-first infrastructure is an extensive physical network. There are now more than 600 kiosks in major malls nationwide.

Customers can also conveniently deposit and withdraw cash through more than 2,500 Robinsons Retail store lanes. Cash deposit is also allowed through more than 4,500 7-Eleven stores nationwide.

Among GoTyme’s recent offerings is MoreTyme, a flexible, transparent, and easy-to-understand credit solution.

Through Visa, GoTyme also took part in FIFA World Cup 2026 campaigns, with raffle winners being flown to watch the matches live.

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Finance

UnionDigital Bank, Chubb partner for accessible insurance protection

Chubb insurance products now integrated into UD app

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UnionDigital Bank and Chubb Philippines have partnered to bring accessible insurance protection to Filipinos.

The strategic partnership integrates Chubb’s insurance solutions directly on the UD app. These comprehensive solutions will be seen among UD’s suite of financial products. That way, insurance protection becomes more accessible for consumers.

The two key insurance products in the initial rollout are Loan Protect Insurance and Kaya Protect Insurance.

The first product is automatically included for eligible UD loan borrowers at no additional cost for the first three months once the loan is approved.

In the event of accidental death, permanent disability, temporary disability, or death due to illness, Loan Protect Insurance pays up to the original loan amount to cover 100% of the customer’s outstanding loan balance.

Any remaining balance is released to beneficiaries. Loan Protect Insurance is currently available for loans up to PhP 30,000 with short-term repayment periods.

Meanwhile, Kaya Protect Insurance will be available soon. This provides personal accident and accidental death coverage up to PhP 150,000 and is activated automatically by maintaining a low minimum balance of PhP 100 in the insured’s savings account.

The partnership between UnionDigital Bank and Chubb aims to address the protection gap, as according to a Bangko Sentral ng Pilipinas (BSP) survey, 48% of adult Filipinos are currently uninsured.

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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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