What Maya Crypto costs, who can use it and how to buy, sell and receive, from Maya and the BSP.
Risk Crypto-assets are highly volatile and you can lose all the money you put in. Use only platforms registered with the BSP/SEC. This is not a recommendation to buy.
Short answer Maya Crypto lets you buy and sell crypto inside the Maya app from ₱1, using money in your Maya Wallet, and you need an upgraded Maya account to trade. Maya advertises no transaction fees, but its terms say the price you see includes a margin over the market price from its liquidity provider. Every confirmed buy, sell or send is final.
By zpeso Desk · Official pages .
At a glance
- OperatorMaya Philippines, Inc., an active non-bank VASP on the BSP list as of July 15, 2026BSP ↗ ·
- Minimum trade₱1 worth of cryptoMaya ↗ ·
- Account neededupgraded Maya accountMaya ↗ ·
- Pricingno separate transaction fee advertised; the displayed rate includes Maya’s marginMaya ↗ ·
- Sale proceedsin your Maya Wallet in real time or up to 2 business days laterMaya ↗ ·
Who runs it and how it is regulated
Maya’s crypto terms say Maya Philippines, Inc. (formerly PayMaya Philippines, Inc.) offers the service under a Virtual Asset Service Provider licence from the Bangko Sentral ng Pilipinas, and may use third-party providers for the platform (Maya ↗). The BSP’s list of VASPs as of July 15, 2026 shows Maya Philippines, Inc. among the six active non-bank VASPs (BSP ↗).
The full list, and how to check any platform, is on BSP-registered VASPs and Crypto in the Philippines. A BSP registration means the BSP supervises the provider; it is not a guarantee on the value of any coin.
What it costs
| Cost | What Maya publishes |
|---|---|
| Transaction fee on a buy or sell | None advertised: “no transaction fees” on Maya’s crypto page |
| Price margin | Maya charges a margin between the market price from its third-party provider and the PHP rate shown to you |
| Other fee components named in the terms | Transaction fee, hedging cost and FX cost, which make up Maya’s pricing |
| Funding the trade | Comes from your Maya Wallet; cash-in charges depend on the channel |
Because the margin sits inside the rate, check the PHP amount on the confirmation screen before you slide to confirm. What it costs to put money into the Maya Wallet in the first place is on Maya cash in.
Buy and sell
To buy, from Maya’s crypto page (Maya ↗):
- Log in to Maya and tap Crypto.
- Tap Buy on the dashboard.
- Select a coin from the available list.
- Enter the amount, at least ₱1 worth, tap Pay and confirm the order.
To sell, tap Sell instead, pick the coin, enter at least ₱1 worth, tap Sell and confirm. Maya lists major coins such as BTC, ETH, SOL and QNT.
Maya’s terms say you have a limited time on the confirmation screen to accept the quoted amount; otherwise the offer is released. Once you slide to confirm, the trade cannot be reversed. Purchased crypto shows in your portfolio in real time; pesos from a sale reach your Maya Wallet in real time or up to two business days later (Maya ↗).
Receive and send crypto
Maya’s crypto page gives two ways to get a receiving address (Maya ↗):
- From a coin page: open the coin under My Portfolio or All Crypto, tap the More options (⋯) icon, tap Receive, then select the network. Maya shows a QR code and wallet address to share or copy.
- From the Crypto menu: tap More options (⋯) on the dashboard, tap Receive, choose the coin, then the network.
Maya warns that you must select the correct blockchain network. Its terms list the ways a send can be lost: a wrong wallet address, wrong information, the wrong network, network-fee and market volatility, and freezing of assets under anti-money-laundering rules. A confirmed send is final and shows in your transaction history in real time or up to two business days later (Maya ↗).
Warning Never send crypto to someone who contacted you first with an investment or “recovery” offer, and never share your Maya password or OTP. Before you send to another platform, check whether it appears on BSP-registered VASPs.
Limits and other rules in the terms
- One limit for wallet and crypto: your Maya e-wallet and your crypto account share one transaction limit. Crypto you receive and pesos from a sale are not subject to account limits and are credited in full (Maya ↗). Wallet limits by account type are on Maya fees and limits.
- Using it abroad: Maya says a first-time user whose Apple device location is outside the Philippines sees “Crypto not available in your location”; existing balances are not affected (Maya ↗).
- Delisted coins: if Maya removes a coin, it gives you 30 calendar days from notice to sell it or move it to another account you own. After that, Maya may sell it at the current rate.
- Long-unused holdings: if you do not act after several notices, Maya may sell the coins and credit the pesos to your e-wallet, after which its dormant-account rules apply.
- Taxes: Maya’s terms say it does not withhold or remit tax on your gains to the BIR.