← Cash & Tools
Maya Savings vs GoTyme
Side-by-side comparison for 2026. Rates pulled live from each bank monthly.
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
G
GoTyme
Min balance: ₱0
Interest rate
3%
per year (live)
Best for
People who prefer in-person signup and trust big-name backing
Features
- • Instant virtual debit card
- • Sign up at SM/Robinsons kiosks
- • Free transfers
- • Backed by Gokongwei + Tyme
- • PDIC insured
FeatureMaya SavingsGoTyme
Interest rate15%3%
Min balance₱0₱0
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
GoTyme
+Can sign up in-person at mall kiosks
+Backed by major conglomerate
+Good for people uncomfortable with purely digital signup
+Instant virtual card
−Lower interest rate than top tiers
−Fewer features than Maya/Tonik
−Still building out ecosystem
−Limited loan products
The verdict
Maya has stronger features. GoTyme is worth considering only if you prefer signing up at a physical kiosk. For most people, Maya is the better choice.