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CIMB (GSave) vs Maya Savings
Side-by-side comparison for 2026. Rates, features, and which one is better for you.
C
CIMB (GSave)
Min balance: ₱0
Interest rate
4.1%
per year
Best for
GCash users who want to earn interest without switching apps
Features
- • 4.1% p.a. interest
- • Connected to GCash GSave
- • No minimum deposit
- • Instant transfer to GCash
- • PDIC insured
M
Maya Savings
Min balance: ₱0
Interest rate
6%
per year
Best for
Savers who want the highest interest rate and strong security
Features
- • 6% p.a. interest
- • Virtual Visa/Mastercard
- • QR cashback
- • USD wallet
- • Crypto trading
FeatureCIMB (GSave)Maya Savings
Interest rate4.1%6%
Min balance₱0₱0
CIMB (GSave)
+Direct GCash integration (GSave)
+No friction if you already use GCash
+PDIC insured up to ₱500,000
+Instant transfers between GCash and CIMB
−Lowest rate among digital banks
−Limited standalone features
−Cannot use without GCash
−Customer service issues reported
Maya Savings
+Highest interest rate tier
+Strong security (dual-layer encryption)
+Weekend transactions work smoothly
+Virtual card for online shopping
−Cash-in options more limited than GCash
−Fewer merchant acceptance points
−App can be slow on older phones
The verdict
Maya offers significantly higher interest (6% vs 4.1%) and more features. The only reason to stick with GSave is if you refuse to install another app. Otherwise, move your savings to Maya.