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Account Limits

Learn what you can do with your Maya account

Own your spending with Maya

Get to know the available features and transaction limits
of the different types of accounts

Basic

  • Monthly limit of ₱50,000
  • Over-the-Counter Cash In
  • Buy digital goods on the shop
  • Scan PayMaya QR to pay merchants
  • Cashback, discounts and rewards
  • Receive Money from Banks/wallets via Instapay and QRPH
  • Send money to other Maya users and Padala agents
  • Send money to other Bank accounts/Wallets
  • Withdraw money from any Bancnet ATMs here and abroad through the Maya physical card
  • Receive Money from Banks/Wallets via QRPH, Instapay, Pesonet and Bank Pull
  • Free Buyer Protect* insurance which covers losses of up to PHP8,000 per claim for non-delivery of goods, wrong or incomplete deliveries, and physical damage
    *minimum ₱100 spend requirement on the Maya app

Upgraded

  • Increased monthly limit of ₱100,000
  • Over-the-Counter Cash In
  • Buy digital goods on the shop
  • Scan Maya QR to pay merchants
  • Cashback, discounts and rewards
  • Send money to other Maya users and Padala agents
  • Send money to other Bank accounts/Wallets
  • Withdraw money from any Bancnet ATMs here and abroad through the Maya physical card
  • Receive Money from Banks/Wallets via QRPH, Instapay, Pesonet and Bank Pull
  • Free Buyer Protect* insurance which covers losses of up to ₱8,000 per claim for non-delivery of goods, wrong or incomplete deliveries, and physical damage
    *minimum ₱100 spend requirement on the Maya app

Requirements:
Video selfie, Valid ID, Verified Address and Verified Personal Information

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Wallet and Transaction Limits

Account Types
Wallet Balance
Monthly Limit
Purchase Monthly Limit
ATM Withdrawal Monthly Limit Limit: Based on ATM Rule, ₱ 50K daily
Send Money to other Maya users Monthly Limit
Bank Transfer (InstaPay Sending) Monthly Limit
From other Maya Users Monthly Limit
From other banks (Instapay Receiving) Monthly Limit
Via Maya app using Mastercard/VISA issued cards, BPI and BDO Over-the -Counter Partners

Limit: Via Card (₱10K), BPI Account (₱20K), BDO OTC (Upto Wallet Size)
Online & Banking Partners BPI Online, Metrobank, Unionbank ATM/Online, RCBC, PBCOM, Maybank, AUB, PNB & Other Partners

Limit: 50K per Transaction, up to 35 transactions per day, except for following banks:
  • Metrobank via Instapay (₱20K, up to 3 transactions per day)
  • BDO via Instapay (₱10K, up to 5 transactions per day)
  • BPI/BPI Family via Instapay (₱20K, up to 3 transactions per day)
Non-Bank and Over-the-Counter Partners
  • Ministop
  • Palawan Pawnshop & Others
Limit: ₱20K per transaction
Account Types Basic Upgraded Super Users
Wallet Balance Monthly Limit ₱50K ₱100K ₱500K
Purchase Monthly Limit ₱50K No Daily Limit ₱100K Daily Limit
  • Unlimited monthly amount
  • Unlimited Number of Transactions
₱500K Daily Limit
  • Unlimited monthly amount
  • Unlimited Number of Transactions
ATM Withdrawal Monthly Limit Limit: Based on ATM Rule, ₱50K daily - ₱50K Daily Limit 10x a day 60x a month ₱50K Daily Limit Unlimited Number of Transactions
Send Money to other Maya users Monthly Limit - ₱20K per Transaction ₱100,000 Daily Limit
  • Unlimited monthly amount
  • Unlimited Number of Transactions
₱50K Daily Limit
  • Unlimited monthly amount
  • Unlimited Number of Transactions
Bank Transfer (InstaPay Sending) Monthly Limit - PHP50K Daily Limit PHP100K Monthly Limit 40x a month PHP50K Daily Limit PHP500K Monthly Limit 80x a month
Receiving Money Limit
From other Maya Users Monthly Limit Depends on the combined monthly wallet balance limit* Depends on the combined monthly wallet balance limit* Depends on the combined monthly wallet balance limit*
From other Banks (Instapay Receiving) Monthly Limit PHP50K per Transaction

Unlimited times up to the monthly wallet balance limit*
PHP50K per Transaction

Unlimited times up to the monthly wallet balance limit*
PHP50K per Transaction

Unlimited times up to the monthly wallet balance limit*
Cash In Limits and Fees
Via Maya app using Mastercard/VISA issued cards, BPI and BDO Over-the-Counter Partners

Limit: Via Card (₱10K), BPI Account (₱20K), BDO OTC (Upto Wallet Size)
- Depends on the combined monthly wallet balance limit*
  • Via Card - ₱10K Per Txn and 5 attempts per day
  • Via BPI - ₱20K Per Txn and 10 attempts per day
Depends on the combined monthly wallet balance limit*
  • Via Card - ₱10K Per Txn and 5 attempts per day
  • Via BPI - ₱20K Per Txn and 10 attempts per day
Online & Banking Partners

BPI Online, Metrobank, Unionbank ATM/Online, RCBC, PBCOM, Maybank, AUB, PNB & Other Partners
PHP50K per Transaction

Unlimited items up to the monthly wallet balance limit*
PHP50K per Transaction

Unlimited items up to the monthly wallet balance limit*
PHP50K per Transaction

Unlimited items up to the monthly wallet balance limit*
Non-Bank and Over-the-Counter Partners
Limit: ₱50K per transaction
Depends on the combined monthly wallet limit Depends on the combined monthly wallet limit Depends on the combined monthly wallet limit

How to check your Account Limits through the Maya app

  1. Log in to your Maya account
  2. Select the profile button on the upper left to access the drawer
  3. Select Account Limits
  4. Browse through your daily and monthly account limits by clicking on the appropriate tab button

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