Being financially secure is empowering. In line with this and also because it's Women's Month, Maya, the country's #1 Digital Bank is helping more Filipinos take control of their finances with tools that make saving, spending and borrowing easy to manage.
Tips on how to begin your own financial independence:
Start by Building Your Own Safety Net. It is empowering to have a financial buffer which can help you a lot when emergency happens- a medical bill, urgent repair or a sudden trip. Having some savings means you don't have to rely on anyone else or scramble for solutions.
With Maya Personal Goals, you can create up to five savings targets for things like emergencies, travel or future plans. Each goal earns 4% interest per annum immediately, and every P20,000 added increases the rate, reaching up to 8% p.a. on deposits of up to P100,000.
If you prefer a more structured way to grow your savings, Time Deposit Plus allows you to lock in funds for 3, 6 or 12 months, earning up to 6% p.a. on deposits of up to P1 million per account. With up to five accounts available, that's as much as P5 million growing through disciplined saving.
Spend for Yourself, Not for Expectations. Another part of financial independence is deciding what your money should actually go toward.
Used responsibly, credit cards can make everyday spending work in your favor. The Maya Black Credit Card, for example, turns purchases into rewards. Cardholders can earn instant Maya Miles on all transactions- from groceries and bills to flights, hotel bookings, dining and more.
At Maya Black Preferred merchants, you can earn up tp 10X Maya Miles, helping rewards build faster on select purchases. Those Miles can later be used to offset future travel and lifestyle expenses.
With no annual fees for life, Maya Black also comes with premium perks like complimentary quarterly global lounge access, making travels more comfortable without the typical annual costs associated with premium cards.
For those who prioritize everyday savings, the Landers Cashback Everywhere Credit Card offers a practical way to make the most of your spending. Cardholders can enjoy up to 5% cashback at Landers, 2% cashback on dining, and 1% cashback on other transactions, turning routine expenses into real savings.
Borrow When You Need To- But Borrow Smart. Independence doesn't mean never seeking help. It means knowing your options. For short-term needs, Maya Easy Credit offers a revolving credit line of up to P50,000 payable up to 30 days, helping bridge temporary cash flow gaps while giving you clear visibility into repayment.
For big goals or unexpected expenses, Maya Personal Loan provides up to P250,000 with flexible repayment terms of up to 24 months, making it easier to manage obligations without unpredictable balances.
Having a variety of borrowing options means you can stay in control of the situation, not the other way around.
Let Your Money Grow Alongside Your Goals. Financial independence rarely comes from one big move. More often, it's built through small decisions like saving consistently, spending intentionally and making sure your money is working for you.
Keeping funds in Maya Savings can earn up to 15% interest per annum, credited daily, helping balances grow steadily while remaining accessible when needed.
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