Maya fees and limits
Maya charges ₱10 per InstaPay transfer to a bank. Over-the-counter cash-in is free up to ₱8,000 a month, then 2% of the amount above that; cashing out at a Maya Center costs 1.5% of the amount, for upgraded accounts. An Upgraded account can hold ₱100,000. A month with 4 bank transfers and ₱10,000 cashed in over the counter costs ₱80.
Our take: once you pass ₱8,000 of over-the-counter cash-in in a month, cash in from a bank app instead; 31 institutions charge nothing for InstaPay (see which). Money you are not spending earns more in Maya Savings: ₱10,000 there keeps ₱242.66 in a year after tax.
Next: pick the cheapest way to cash in and out, or if someone got into your account, report it now.
Maya Philippines, Inc. is licensed by the BSPListed as an e-money issuer (Maya Philippines, Incorporated) in the BSP Verifier directory, updated May 14, 2026. BSP Verifier
Maya cash-in, transfer and cash-out fees
Cash in
| Select over-the-counter partners source | Free up to ₱8,000 a month, then 2% of the amount above that |
|---|---|
| Online and banking partners (BPI Online, Metrobank, UnionBank, RCBC, PBCOM, Maybank, AUB, PNB and others) source | Up to ₱50,000 per transaction; your bank's fee may apply |
Send to a bank or another e-wallet
| InstaPay transfer (individual) source | ₱10, as disclosed to the BSP |
|---|
Cash out
| Maya Center source | 1.5% of the amount. Upgraded accounts only |
|---|---|
| Maya card at an ATM source | Set by the bank that owns the ATM. Up to ₱50,000 a day |
| To your bank account (InstaPay) source | ₱10 per transfer |
| Cashback on InstaPay transfers and ATM withdrawals source | Maya credits cashback on eligible InstaPay transfers and Maya Mastercard ATM withdrawals, within monthly limits |
Figures from Maya's own pages as of 2 October 2026; the Maya Bank article on InstaPay transfers was last updated 20 August 2026.
Maya limits
| Limit | Basic | Upgraded | Super Users | Ultimate Users |
|---|---|---|---|---|
| Wallet balance, monthly | ₱50,000 | ₱100,000 | ₱500,000 | ₱5,000,000 |
| Purchases | ₱50,000 a day | ₱100,000 a day | ₱500,000 a day | ₱5,000,000 a day |
| ATM withdrawal | Not available | ₱50,000 a day, 10 a day, 60 a month | ₱50,000 a day | ₱50,000 a day |
| Send to other Maya users | Not available | ₱20,000 per transaction, ₱100,000 a day | ₱500,000 a day | ₱5,000,000 a day |
| Bank transfer (InstaPay sending) | Not available | ₱50,000 a day | ₱50,000 a day | ₱50,000 a day |
| Receiving from banks (InstaPay) | ₱50,000 per transaction | ₱50,000 per transaction | ₱50,000 per transaction | ₱50,000 per transaction |
Maya's account limits page. "Monthly" for wallet balance; per-feature caps as listed. source
The highest tier listed, Ultimate Users, holds ₱5,000,000. If you hit a limit, upgrade or verify your profile in the app.
Send money from Maya to a bank, step by step
Before you start
- The recipient's bank or e-wallet account number, which may be different from their ATM or card number. Maya
- An amount within your bank, e-wallet and InstaPay limits, and enough balance for the amount plus the ₱10 fee. Maya
- An upgraded Maya account; Basic accounts cannot send by InstaPay. Maya
- Your registered mobile number, for the one-time PIN. Maya
Steps
- Open the Maya app and tap Bank transfer.
- Select the receiving bank or e-wallet.
- Enter the amount and the account details, then tap Continue.
- Check the details, tap Transfer now and enter the one-time PIN sent to your phone.
Steps from Maya help.
When it worked: Maya shows an in-app message that the transfer was successful and a receipt you can view; the receiving bank or e-wallet's history shows the money once it is credited. Maya
If it fails: The transfer fails if the account number is wrong, the receiving account is frozen, blocked or dormant, or it has reached its limit for money coming in. Check the details and try again, or contact Maya. Maya
How the Maya fees and limits work in practice
- Cash-in feeThe over-the-counter partner collects 2% at the counter. While you are under ₱8,000 for the month, Maya refunds that fee within 1 to 3 business days; above ₱8,000, only 2% of the amount over the limit is kept. If a refund has not arrived after 3 business days, contact the Maya Help Center. Maya
- At a limitA Basic account cannot send to banks by InstaPay or withdraw at ATMs. If you need either, upgrade your account in the app first. Maya
- Which profileEvery Maya account can receive up to ₱50,000 per InstaPay transfer from a bank, and Upgraded accounts can send up to ₱50,000 a day to banks. Maya
Earning interest on your Maya balance
The wallet itself pays no interest. Maya Savings, run by Maya Bank, starts at 3% a year, credited daily net of tax, and can be boosted up to 15% a year by using Maya for payments or growing your balance. Personal Goals pay up to 8% a year, credited monthly. Maya Bank
On ₱10,000 left for a year at the base 3.00%, you keep ₱242.66 after the 20% final tax. Maya Savings is a deposit at Maya Bank, so the PDIC insures it up to ₱1,000,000 per depositor, counted with your other accounts at Maya Bank.
If your Maya account is hacked or you were scammed
Act in the app first
- If your phone is lost or you see activity you did not make, call the Maya hotline right away to have the account temporarily blocked; the line takes these reports 24/7. Maya
- Never open links sent by text or chat, even ones that look like they come from Maya, and never share your OTP with anyone, Maya staff included. Maya
If Maya does not resolve it
- Report the problem to the bank or e-wallet first, through its customer service or complaints channel. Every BSP-supervised institution must have one as the first place to go. BSP
- While it investigates a disputed or unauthorized transaction, the provider must suspend interest, fees and charges on it, or give a similar reasonable accommodation. RA 11765
- If you are not satisfied with how the provider handled it, take it to the regulator, which is the BSP for banks and e-wallets. RA 11765
- For a scam or fraud, also report to the PNP Anti-Cybercrime Group (acg@pnp.gov.ph), the NBI (ccd@nbi.gov.ph) or the CICC (hotline 1326, report@cicc.gov.ph). BSP
| BSP Online Buddy (BOB) chatbot | The BOB icon on bsp.gov.ph or the Message button on the BSP's official Facebook page |
|---|---|
| consumeraffairs@bsp.gov.ph, with the filled-in Complaint/Inquiry/Reply form and proof you went to the provider first | |
| Office hours | Monday to Friday, 8 a.m. to 5 p.m. |
BSP consumer assistance under Republic Act No. 11765, the Financial Products and Services Consumer Protection Act. BSP, How to file a complaint with BSP-CAM
Maya customer service and security
- ContactHotline (+632) 8845-7788, or 1800-1084-57788 toll-free for PLDT users. Open 8 a.m. to 7 p.m. daily, and 24/7 for lost or stolen phones and unauthorized transactions. Maya
- ContactIn the app, tap the Help Center icon, then Chat with us; the chat can connect you to a live agent or file a ticket. Maya has no general support email. Maya
- SecurityMaya never asks for your OTP, password or card CVV, and genuine Maya emails come from addresses ending in @maya.ph. Maya
Use only the numbers and chat inside the official app; Maya staff will not ask for your MPIN or OTP.
Maya and tax
Moving money through Maya does not create a tax by itself; whether money you receive is taxable depends on what it is for. Read is GCash income taxable.
If you sell online, E-marketplace operators and digital financial services providers such as GCash and Maya withhold 1% on one-half of the gross remittances they pay out to online sellers and merchants. Nothing is withheld while the seller's gross remittances for the past year, or so far this year, are ₱500,000 or less, or if the seller proves it is exempt or on a lower rate. This applies from January 11, 2024. BIR, RR 16-2023 · BIR, RMC 8-2024 Sellers: see tax for online sellers.
What Maya disclosed to the BSP
| InstaPay, personal | ₱10.00 |
|---|---|
| PESONet, personal | Not offered |
| InstaPay, business | ₱10.00 |
| PESONet, business | Free |
BSP Summary of Transfer Fees via Digital Channels, as of August 31, 2026. Compare every bank and e-wallet
Not covered here: business accounts, international remittances and crypto in the Maya app. For an unresolved complaint, go to Maya first, then the BSP under RA 11765; for a scam, also the PNP, NBI or CICC (hotline 1326).
What to do next
- Check your profile and limits in the Maya app, and upgrade or verify if you need more than your profile allows (Maya).
- Moving money between your bank and Maya? Compare what each bank charges for InstaPay.
- Comparing Maya with the other wallet? See GCash vs Maya side by side.
Questions about Maya
Does Maya deduct 1% tax?
Only on payouts to online sellers and merchants, under RR 16-2023: 1% on half of the gross remittances, and only once the seller's remittances pass ₱500,000 a year. It is not a tax on money you send to or receive from family and friends. BIR, RR 16-2023
Is money in Maya insured by the PDIC?
The PDIC insures bank deposits, and Maya Philippines, Inc. is an e-money issuer, not a bank. Money you move into Maya Savings at Maya Bank is a deposit, insured up to ₱1,000,000 per depositor, per bank. source