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Maya Savings vs Tonik
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
T
Tonik
Min balance: ₱0
Interest rate
8%
per year (live)
Best for
Disciplined savers who want lock-in buckets for higher rates
Features
- • Stashes (locked savings buckets)
- • Time deposits up to 7%
- • Quick loan feature
- • Debit card
- • Group Stash
FeatureMaya SavingsTonik
Interest rate15%8%
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
Tonik
+Time deposits offer higher rates than headline savings
+Physical debit card available
+Quick Loan for emergencies
+Group Stash for shared savings goals
−Stash has lock-in periods
−Limited ATM network
−App stability issues reported
−Withdrawal can take time
The verdict
Maya is better for everyday use with virtual cards and QR payments. Tonik wins for disciplined savers who want time deposits at the higher tier rate. If you can lock money away, Tonik gives you more upside.