Finding the right balance between protecting your money and helping it grow can be challenging. You want peace of mind, but also progress. Yet with so many financial products and platforms available today, it’s easy to feel uncertain about where to begin or which options truly support your long-term goals.
At Maya, the #1 digital bank in the Philippines, we understand that true financial confidence comes from pairing stability with smart, accessible growth. That’s why we’ve designed digital banking solutions that let you secure your funds while helping them earn more through high-interest savings options backed by trusted regulation.
If you’re ready to take a more strategic approach to your finances, here are five practical ways to get started.
1. Build a Secure Foundation for Your Finances
Every strong financial strategy begins with protection. Before you think about growing your money, it’s essential to make sure it’s stored somewhere safe while still earning meaningful returns. Many traditional banks in the country offer savings rates that fall far below 1%, which means your money may lose value over time, especially when inflation is factored in.
Instead of settling for low returns, consider options that truly work for you, like Maya Savings. As a Bangko Sentral ng Pilipinas (BSP)-supervised financial institution, Maya offers a secure savings platform that’s designed for both stability and growth. With a base interest rate of 3.5% per annum (p.a.), which is several times higher than what most banks provide, you get the benefits of a high-interest savings account without sacrificing accessibility. Your deposits are also insured by the Philippine Deposit Insurance Corporation (PDIC) up to PHP 1 million per depositor, so you can save with confidence.
With the right foundation in place, you’re better equipped to explore smarter ways to grow your money without compromising on security.
2. Let Everyday Actions Power Your Savings Growth
Big financial wins often start with small, consistent choices. Paying bills on time, buying load, or using your card for everyday purchases may seem routine, but when those actions contribute to higher savings yields, they become part of a smarter strategy. This approach helps you build wealth gradually, without taking on extra risk.
Maya Savings is built around that principle. Starting from a base interest rate of 3.5% p.a., you can earn a boosted interest rate of up to 15% p.a. just by using Maya for regular transactions, whether you’re shopping online, paying via QR Ph, using your Maya Card, or tapping into Maya Easy Credit. Every eligible action brings you closer to a higher savings rate. It’s a gamified savings experience to make it easier and more rewarding to stay financially active.
If you’re looking for a high interest savings account in the Philippines, Maya offers one that not only grows with your habits but also provides the safest way to keep your money digitally, thanks to its secure and regulated platform.
3. Set Clear Goals to Strengthen Financial Discipline
One of the most effective ways to balance security and growth is to give your money a clear purpose. Defined savings goals help you decide how much to keep readily available for emergencies and how much to allocate toward long-term growth. Having this structure in place makes your spending more intentional and your progress easier to track.
With Maya, you can easily open savings account and assign specific targets to each one, helping you stay focused. Maya Personal Goals lets you create up to five dedicated accounts, each with its own timeline and deposit goal. You can budget and organize your money for anything, from funding a dream vacation or side hustle to building an emergency fund. Depending on your tier, you can earn up to 8% interest p.a. all while keeping your funds protected within a secure banking environment.
Goal-based savings do more than just organize your money. It cultivates life-changing financial habits that support both your confidence and resilience.
4. Balance Liquidity with Time-Bound Growth
A well-balanced financial strategy includes knowing when to keep funds accessible and when to let them grow. Cash on hand protects your security during daily or unexpected needs, while time-bound deposits allow your money to earn more over longer periods. The key is finding a mix that supports both flexibility and forward momentum.
For short-term liquidity, you can open savings account online through Maya and access your funds anytime via a secure, regulated platform. For longer-term growth, Maya Time Deposit Plus offers fixed rates for three, six, or twelve months, starting at a guaranteed 3.5% p.a. and boosting up to 6.00% p.a. when you reach your target amount. Early withdrawals are allowed with minimal fees, so you don’t have to choose between growth and accessibility.
By combining flexible savings with time-bound deposits, you create a financial setup that adapts to your needs while helping your money grow with purpose.
5. Review and Refine Your Financial Strategy Regularly
Balancing security and growth is an ongoing process, not a one-time decision. As your goals and circumstances evolve, your financial strategy should adapt with them. Regular reviews help ensure that your money continues to serve both short-term needs and long-term ambitions.
If you have a Maya account, start by checking your Maya Savings account regularly to stay updated on new earning opportunities, such as boosted interest rates or revised term options. You might also reassess how your funds are distributed across savings, personal goals, and time deposits to make sure they’re aligned with your priorities.
This kind of proactive review helps you stay financially agile and ready to protect what matters while continuing to grow what’s possible.
Ready to Build a Smarter Financial Strategy?
Financial growth doesn’t have to come at the expense of security, and vice versa. With digital tools that seamlessly integrate security and high-yield growth into your daily life, you can stop worrying about trade-offs and focus on building a system that maximizes your full financial potential. Explore Maya’s innovative financial solutions today and take the next step toward growing your money with confidence and peace of mind.
