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Maya Savings vs Maribank
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
M
Maribank
Min balance: ₱0
Interest rate
3.75%
per year (live)
Best for
Shopee shoppers who want to earn interest on idle money
Features
- • No maintaining balance
- • Linked to Shopee
- • Free transfers
- • ShopeePay integration
- • PDIC insured
FeatureMaya SavingsMaribank
Interest rate15%3.75%
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
Maribank
+No minimum balance or fees
+Direct Shopee integration
+Easy cash-in via ShopeePay
+Higher tier for balances over ₱1M
−Limited features beyond savings
−No virtual card
−Customer support can be slow
−Tier rate only kicks in at high balances
The verdict
Maya leans into features (virtual cards, crypto, USD wallet) while Maribank wins on Shopee integration. Compare the live rates above to see which is paying more this month.