Use Maya Center for counter cash out or a Maya Wallet Card at an ATM; fees and limits differ.

Short answer Maya Center charges 1.5% of the amount sent to the agent and allows cash out only from an upgraded Maya account. An ATM withdrawal needs a physical Maya Wallet Card; Maya says the ATM operator sets the fee and most Philippine banks charge ₱15–₱18.

Maya cash out at a glance

Route What you need Fee published by Maya Limit to check
Maya Center Upgraded Maya account and the agent’s 16-digit Maya Center number 1.5% of the send amount Your current Wallet and Send Money limits in the app
ATM Activated physical Maya Wallet Card and its six-digit card PIN Set by the ATM operator; Maya says most Philippine banks charge ₱15–₱18 and LandBank ₱10 Maya’s account-limit table lists up to ₱50,000 a day for upgraded accounts and above; the ATM may set a lower per-withdrawal limit

The amount you can take out is also bounded by the money available in your Maya Wallet. Money held in Maya Savings is a bank deposit rather than Wallet balance, so move only the amount you intend to use according to the controls shown in your app.

Cash out through a Maya Center

Maya Center is the over-the-counter route. The official instructions say to ask the agent for the outlet’s 16-digit Maya Center number, then send the cash-out amount to that number from your app.

  1. Ask the outlet for its 16-digit Maya Center number.
  2. In Maya, tap Send.
  3. Enter the Maya Center number and the amount.
  4. Review the recipient and amount before tapping Send now.
  5. Wait for the successful transaction confirmation.
  6. Collect the cash and keep the digital receipt until you have counted it.

The published fee is 1.5% of the amount sent. A ₱1,000 cash out therefore has a ₱15 fee, while ₱5,000 has a ₱75 fee. Check the review screen before sending because the agent route works like a transfer: a wrong recipient number can send the money to the wrong account.

Warning Never give an agent your OTP, password or card PIN. The agent needs the cash-out details shown in Maya’s official flow, not control of your account.

Maya’s Cash In / Cash Out page says only upgraded Maya accounts may use this route. If the option is unavailable, check the account status and limits in the app instead of sending to a number supplied outside an official Maya Center.

Withdraw with a Maya Wallet Card at an ATM

Maya says its physical Wallet Card works at ATMs that accept Visa or Mastercard. The official ATM flow is:

  1. Make sure the Wallet has enough money for the withdrawal and any operator fee.
  2. Insert the Maya Wallet Card.
  3. Choose Savings when the ATM asks for the account type.
  4. Enter the amount.
  5. Enter the six-digit card PIN.
  6. Take the cash and receipt.

The digital receipt also appears in the Transactions list under the Wallet tab. Compare the ATM receipt with that transaction before leaving.

The ATM operator sets the fee. Maya’s Help Center says most Philippine banks charge ₱15–₱18 per withdrawal, while LandBank charges ₱10. These are Maya’s published examples, not a promise that every ATM will show the same fee. Read the amount on the ATM confirmation screen and cancel before confirming if you do not accept it.

ATM limits are not one number

Maya’s current Account Limits page lists an ATM withdrawal limit of ₱50,000 a day for Upgraded, Super and Ultimate users. For an Upgraded account it also lists up to 10 ATM withdrawals a day and 60 a month. Super and Ultimate users have the same published daily amount with no transaction-count limit in the table.

That daily ceiling does not mean one ATM will dispense ₱50,000 in one transaction. The machine can impose a lower per-withdrawal amount, and each completed withdrawal can carry another operator fee. A card or Wallet restriction can also stop the transaction before the published daily ceiling.

The same Maya page is internally awkward: its Basic-account feature list mentions ATM withdrawals, while the detailed ATM-limit row shows a dash for Basic. Treat the Account Limits screen in your own app as the final eligibility and remaining-limit check.

Fee comparison by amount

The two published fee structures produce different totals by amount: Maya Center uses a percentage, while an ATM applies the operator’s displayed fee per completed withdrawal.

Cash-out amount Maya Center at 1.5% ATM example at ₱18
₱500 ₱7.50 ₱18
₱1,000 ₱15 ₱18
₱2,000 ₱30 ₱18
₱5,000 ₱75 ₱18
₱10,000 ₱150 ₱18

The comparison assumes one ATM withdrawal. If the ATM forces you to split the amount, multiply the displayed operator fee by the number of completed withdrawals. The comparison also does not include transport costs or any charge that the ATM discloses differently.

Maya Center does not require a physical card but applies the published percentage fee. An ATM requires an active physical card and applies the operator’s displayed fee for each completed withdrawal.

Before confirming a Maya Center transfer

Check four items on the review screen:

  • the 16-digit Maya Center number came from the outlet you are standing in;
  • the amount is correct;
  • the fee is visible and acceptable;
  • the outlet confirms it can release the cash before you send.

Do not use a phone number or personal account offered in a private message as a substitute for the official Maya Center number. Count the cash before leaving and save the successful transaction screen.

Before using an ATM

Use a machine in a secure, well-lit location. Cover the keypad while entering the PIN and inspect the card slot for anything loose or unusual. Do not accept help from a stranger who asks to handle the card.

After the attempt:

  • confirm that the card was returned;
  • take or destroy the printed receipt;
  • check the Wallet transaction;
  • lock the card in the Maya app if it is missing or the withdrawal looks unfamiliar.

If the Wallet is debited but no cash comes out, record the ATM owner, location, time and amount. Keep the receipt or error screen if available, then contact Maya through the app’s 24/7 chat or the contact page. Do not repeat the withdrawal until you know whether the first attempt was posted or reversed.

Cash out is different from bank transfer

Sending Maya Wallet money to a bank or another e-wallet is an InstaPay transfer, not a cash withdrawal. Maya’s published Wallet transfer fee and limit apply to that route; the receiving bank or e-wallet then controls how the money can be withdrawn.

Start with Maya fees and limits when you need the wider Wallet rules. See Maya cash in for the reverse route and send money to Maya from abroad when the funds start outside the Philippines.

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