Maya fees in the Philippines and the wallet limits for each account type, from Maya’s own fee table and limits page.
Short answer Sending money from Maya to another Maya account is free, and a bank transfer by InstaPay from the Maya app costs ₱10 since July 6, 2026. Over-the-counter cash in is free up to ₱8,000 a month, then 2% (3% at 7-Eleven), and Maya charges nothing to receive InstaPay or PESONet. Your monthly wallet limit runs from ₱50,000 on a Basic account to ₱5 million for Ultimate Users.
At a glance
- Maya to MayafreeMaya ↗ ·
- Bank transfer via InstaPay₱10, effective July 6, 2026Maya ↗ ·
- Over-the-counter cash in2% once you pass ₱8,000 in a month; 3% at 7-Eleven since March 21, 2025Maya ↗ ·
- Cash in by InstaPay or PESONetno Maya fee; your bank may chargeMaya ↗ ·
- Wallet balance limit₱50,000 a month on Basic, ₱100,000 Upgraded, ₱500,000 Super Users, ₱5 million Ultimate UsersMaya ↗ ·
- Maintaining balancenoneMaya ↗ ·
- OperatorMaya Philippines, Inc., licensed by the BSP as an electronic money issuer, remittance company, operator of payment systems and virtual asset service providerMaya ↗ ·
Maya fees by transaction
Maya publishes its fees as a “Table of Fees and Charges” inside its terms and conditions, and says it gives 30 days’ notice before a fee changes (Maya ↗). Cash in means adding money to the wallet; cash out means taking it out as cash.
Fees: Send and transfer
| Transaction | Maya fee |
|---|---|
| Maya to Maya | Free |
| Maya to a Maya Center agent, or the reverse | 1.5%, paid by the sender |
| Bank or e-wallet transfer from the Maya app (InstaPay) | ₱10 since July 6, 2026 |
The BSP’s own summary of transfer fees lists the same ₱10 for Maya Philippines, Inc., with the note that InstaPay fees for individual clients “lower to P10.00 effective 6 July 2026”, and marks PESONet sending as a service not available to individual Maya clients (BSP ↗ · ). The change was covered at the time in Maya cuts its InstaPay fee to ₱10.
Fees: Cash in
| Channel | Maya fee | Conditions |
|---|---|---|
| Over-the-counter partners (convenience stores, kiosks, malls and supermarkets, pawnshops and remittance centres, payment centres) | 2% after ₱8,000 a month | Below ₱8,000 a month, the 2% is refunded as a cashback voucher in the app |
| 7-Eleven | 3% | Paid at cash in, since March 21, 2025 |
| BDO over the counter | Free | Until further notice |
| Linked bank account | No Maya fee | The source bank may charge |
| InstaPay or PESONet from your bank’s app | No Maya fee | The source bank may charge |
| Debit or credit card (Visa, Mastercard, JCB) | ₱200 per transaction | Fixed fee |
Maya’s cash-in page states the same threshold: cash in is free at select partners “as long as it is within the Php 8,000 monthly threshold”, after which “a convenience fee of 2% will be deducted from the amount of your credited balance” (Maya ↗). To add money from another bank, send to “Maya Philippines, Inc./Maya Wallet” with your registered name as the account name and your 11-digit Maya mobile number as the account number. To claim a Western Union or Remitly transfer sent from overseas, see Receive money from abroad in Maya.
Fees: ATM, card and bills
| Transaction | Maya fee |
|---|---|
| ATM withdrawal at a BancNet or LANDBANK ATM | Set by the bank that owns the ATM |
| ATM withdrawal abroad | ₱200, plus any fee of the ATM’s bank and a 1.75% foreign exchange conversion fee |
| Card purchase in a foreign currency | 1.75% foreign exchange conversion fee on the converted amount |
| Bills payment | ₱0 up to 1% of the amount, by biller; the exact fee shows before you confirm |
Fees: Keeping the account
| Item | Maya rule |
|---|---|
| Maintaining balance | No fees |
| Inactive account | ₱30 a month after 12 months with no cash in or debit transaction you started, charged only while the wallet has a balance |
| Dormancy fee in the fee table | 1% of the current balance, up to ₱30 a month |
Maya’s terms state the inactivity charge in two places, a flat ₱30 a month in section 11 and “1% of the current balance, at a maximum of PhP 30.00” in the fee table, so read the notice Maya sends before the fee starts. Maya says an inactive account may be zeroed out by the fee and then closed, after at least 30 days’ notice.
Maya limits by account type
Upgrading from a Basic account needs a video selfie, a valid ID, a verified address and verified personal information (Maya ↗).
Limits: Wallet and receiving
| Limit | Basic | Upgraded | Super Users | Ultimate Users |
|---|---|---|---|---|
| Wallet balance, monthly | ₱50,000 | ₱100,000 | ₱500,000 | ₱5,000,000 |
| Receiving from banks by InstaPay | ₱50,000 per transaction | ₱50,000 per transaction | ₱50,000 per transaction | ₱50,000 per transaction |
Limits: Sending and withdrawing
| Limit | Upgraded | Super Users | Ultimate Users |
|---|---|---|---|
| Bank transfer (InstaPay sending) | ₱50,000 a day, ₱100,000 a month, 40 transfers a month | ₱50,000 a day, ₱500,000 a month, 80 transfers a month | ₱50,000 a day, ₱5,000,000 a month |
| Send to other Maya users | ₱20,000 per transfer, ₱100,000 a day, 60 a month | ₱500,000 a day | ₱5,000,000 a day |
| ATM withdrawal | ₱50,000 a day, 10 a day, 60 a month | ₱50,000 a day | ₱50,000 a day |
Money received from other Maya users and most cash-in channels count against one combined monthly wallet limit. Maya’s own example: a Basic user who moved ₱10,000 in from a Metrobank account can receive ₱40,000 more that month (Maya ↗). Daily limits reset the next day and monthly limits on the first day of the following month (Maya ↗). In the app, open your profile drawer and tap Account Limits to see yours.
Cash in by card is capped at ₱10,000 per transaction and five attempts a day, and from a linked BPI account at ₱20,000 per transaction and ten attempts a day (Maya ↗).
Steps to upgrade a Maya account
- Log in, tap your profile, then Upgrade Your Account.
- Enter your full name and date of birth exactly as they appear on your National ID.
- Record the video selfie, following the gestures on screen.
- If Maya cannot verify you, enter your National ID number or submit another primary ID, take another video selfie and add the details asked for.
- Enter your work details, place of birth and address, then review and submit.
Source: Maya ↗ ·
Accepted primary IDs are the Philippine National ID or ePhilID, SSS ID with photo, PRC ID, Postal ID issued from 2015, passport, driver’s license and UMID; two secondary IDs (PhilHealth ID and TIN ID) can replace one primary ID. Maya says approval comes by SMS within 24 hours (Maya ↗).
Warning
- Maya says it and its official representatives “will never ask for your Maya password, 16-digit card number, and One-Time Password (OTP), nor charge you to upgrade your account” (Maya ↗ · ).
- A Maya wallet is not a deposit account and is not covered by the Philippine Deposit Insurance Corporation (PDIC) (Maya ↗ · ).
- Selling, renting or lending your Maya account to someone else, or transacting for a third party, breaks Maya’s terms (Maya ↗ · ).