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CIMB (GSave) vs Maya Savings
Side-by-side comparison for 2026. Rates pulled live from each bank monthly.
C
CIMB (GSave)
Min balance: ₱0
Interest rate
4%
per year (live)
Best for
GCash users who want to earn interest without switching apps
Features
- • Connected to GCash GSave
- • No minimum deposit
- • Instant transfer to GCash
- • PDIC insured
- • Standalone CIMB app available
M
Maya Savings
Min balance: ₱0
Interest rate
15%
per year (live)
Best for
Savers who already use Maya Wallet and want one app for spending + savings
Features
- • Virtual Visa/Mastercard
- • QR cashback
- • USD wallet
- • Crypto trading
- • PDIC insured
FeatureCIMB (GSave)Maya Savings
Interest rate4%15%
Min balance₱0₱0
CIMB (GSave)
+Direct GCash integration (GSave)
+No friction if you already use GCash
+PDIC insured up to ₱500,000
+Instant transfers between GCash and CIMB
−Lower than top digital banks
−Cannot use GSave without GCash
−Customer service issues reported
−Best rate sometimes promo-tied
Maya Savings
+Strong security (dual-layer encryption)
+Weekend transactions work smoothly
+Virtual card for online shopping
+Active boost campaigns lift the headline rate
−Cash-in options more limited than GCash
−Fewer merchant acceptance points
−App can be slow on older phones
The verdict
Maya has more features. The reason to stick with GSave is if you refuse to install another app. Otherwise, Maya is usually the wider toolkit — compare current rates above to confirm.