E-wallets are increasingly becoming a staple in every Filipino’s day-to-day finances. In fact, according to the 2025 Credit Perception Index by credit reference agency TransUnion, 35% of Filipino respondents cited e-wallets as their first financial product, surpassing traditional bank accounts, which came in at just 30%. This shift reflects the growing role of e-wallets in the Philippines as a convenient and accessible way for people to manage their money in daily life.

Part of the appeal lies in the wide range of applications where a digital e-wallet can be used. From settling payables to shopping online, having an e-wallet makes it possible to complete virtually any transaction quickly and securely. Maya, the #1 digital bank app in the Philippines, continues to help more Filipinos manage their finances wisely through Maya Wallet. More than just a wallet to store your funds, Maya Wallet lets you pay bills, top up load, complete online transactions, send money to loved ones, and more. It brings all your financial tools together in one convenient place, making it easy to manage your money effortlessly.

Wondering just how far you can take your e-wallet account? Let’s explore several applications where you can use an e-wallet and enjoy the benefits of managing your funds digitally.

1. E-commerce Apps

E-wallets have made online shopping in the Philippines faster and more secure. Instead of visiting a bank to deposit payment into the seller’s account, you can pay with an e-wallet and complete your purchase instantly. This is especially helpful during limited stocks or flash sales, where quick checkout is crucial.

Maya Wallet is accepted on major e-commerce platforms like Shopee and Lazada, as well as on the official websites of major retailers, and it is also commonly used by smaller businesses, making it a must-have for avid online shoppers. Even better, users can pay with the associated physical and virtual Maya Card in any of these e-commerce sites that accept debit cards.

What’s more, if you have a Maya Savings account, your online purchases can even help your savings grow faster. Maya Savings offers a base interest rate of 3.5% p.a., which can be boosted up to 15% when you use Maya services consistently, including to pay online, settle bills, top up load, pay with QR Ph at your favorite stores, and more. This makes paying for your everyday needs more rewarding while helping your money work harder for you.

2. Food Delivery Apps

Food delivery apps such as Foodpanda and GrabFood have also embraced e-wallet payments, making it simple to pay for your meals while taking advantage of exclusive discounts or promo codes. Paying via an e-wallet eliminates the need to handle cash upon delivery, providing a smoother, contactless experience. Some e-wallets, including Maya Wallet, also occasionally offer cashback or deals for food orders, adding convenience and extra rewards as you enjoy your favorite meals.

3. Ride-Hailing Apps

Using e-wallets for ride-hailing services is a game-changer. Apps like Grab and Angkas let you pay your fares digitally, so you no longer have to carry cash or worry about exact change. Your ride is booked and automatically paid through your e-wallet, making daily commuting or errands hassle-free. You can also take advantage of promos or discount codes that some e-wallets offer, making your daily trips even more rewarding.

4. Grocery and Supermarket Apps

Same-day grocery deliveries are becoming more common, and e-wallets make them even more convenient. You can browse for essentials and choose your e-wallet as a payment method, simplifying the checkout process. Apps like those of Landers Superstore even offer special promotions for digital payments at times, making grocery shopping not only hassle-free but also more cost-effective. Maya Wallet users can enjoy the same convenience while keeping all transactions organized within one app, making it easier to track and plan their household budget.

5. Utility Apps

Utility companies such as Meralco and Manila Water Company now have apps where you can monitor your usage and pay your monthly bills. These apps typically accept digital payments for convenience, with e-wallet examples such as Maya Wallet being a popular choice. On the utility company's payment page, simply select Maya as your payment method. You will then be prompted to log in to your Maya account using your registered mobile number and password to complete the payment.

Alternatively, you can just pay your bills directly through the Maya Wallet by going to the Bills section and selecting your biller. This method can be even better because paying bills through your Maya Wallet can contribute toward boosting the interest rate of your Maya Savings account.

6. Telecommunications Apps

E-wallets also simplify topping up prepaid load, paying postpaid bills, or renewing internet subscriptions. For example, instead of using separate apps for your Smart and Globe phones, Maya Wallet lets you purchase prepaid load for both networks in one place. Instant payment confirmation, along with occasional cashback or promos, makes staying connected easier and more budget-friendly.

7. Transportation and Travel Apps

For flights or long-distance bus rides, e-wallets provide a convenient, cashless way to reserve and pay for travel. Airline companies and bus operators accept e-wallets as payment options, eliminating the need for bank transfers or trips to ticket counters. Major airline companies like Philippine Airlines and AirAsia are also listed as billers on Maya Wallet, allowing you to pay for your bookings directly and securely, so you can focus on enjoying your trip.

8. Government Services Apps

Government payments can now be made digitally with an e-wallet, including contributions to SSS, PhilHealth, and the Pag-IBIG Fund. These agencies are also listed as billers in the Maya Wallet, which means you can make payments directly from your e-wallet instead of visiting individual branches. Maya Wallet even lets you pin these billers as favorites at the top of the Bills section, which makes it easier to remember monthly contributions while keeping all your payments organized in one place.

9. Entertainment and Streaming Apps

Paying for streaming services like Netflix or Spotify is seamless with an e-wallet. By linking your digital wallet to your favorite apps, you can conveniently manage and maintain auto-renewing subscriptions. Since all transactions are recorded in your app history, it’s also simple to keep track of ongoing payments. This makes it easy to check which services you still use and unsubscribe from those you no longer need, helping you save money in the long run.

10. Pharmacy and Telemedicine Apps

When you’re not feeling well, quick access to medical attention and medicines is essential. E-wallets make this convenient, as they are widely accepted by pharmacy and telemedicine apps. Whether you’re buying medicines or paying for online consultations, e-wallets offer a quick and contactless way to complete transactions. This removes the need for cash and lets you receive your medicines or consultations from the comfort of your home.

11. Insurance Provider Apps

Keeping up with insurance payments is made more effortless with e-wallets. Maya Wallet, for instance, offers a comprehensive list of insurance providers as billers, allowing you to pay premiums directly and conveniently through the app. This setup makes it easy to keep your coverage active at all times and gives you peace of mind knowing you’re fully protected.

12. Investment and Stock Trading Apps

E-wallets have made investing more accessible to everyone. Stock market trading apps like COL Financial, for example, accept Maya Wallet for topping up your investments. This lets you move funds as needed and make investment decisions with ease.

Maya Wallet further supports accessible investing through its Funds section, where you can start with as little as PHP 50. As a Bangko Sentral ng Pilipinas-supervised financial institution (BSFI), Maya combines the safety of a bank with the convenience of a wallet by including robust security features such as two-factor authentication and biometric logins. This makes investing with Maya both secure and convenient, whether you’re buying stocks or contributing to a diversified fund.

With so many ways to use an e-wallet, managing your finances has never been more flexible or rewarding. Whether you’re making everyday purchases, paying bills, or growing your savings, digital wallets put control at your fingertips. Through exploring these applications, you can see just how much e-wallets can simplify daily life while helping you get the most out of your money.