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Maya Savings vs GoTyme
Side-by-side comparison for 2026. Rates, features, and which one is better for you.
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
G
GoTyme
Min balance: ₱0
Interest rate
5%
per year
Best for
People who prefer in-person signup and trust big-name backing
Features
- • 5% p.a. interest
- • Instant virtual debit card
- • Sign up at SM/Robinsons kiosks
- • Free transfers
- • Backed by Gokongwei + Tyme
FeatureMaya SavingsGoTyme
Interest rate6%5%
Min balance₱0₱0
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
GoTyme
+Can sign up in-person at mall kiosks
+Backed by major conglomerate
+Good for people uncomfortable with purely digital signup
+Instant virtual card
−Lower interest rate (5% vs 6%)
−Fewer features than Maya/Tonik
−Still building out ecosystem
−Limited loan products
The verdict
Maya wins on rate (6% vs 5%) and features. GoTyme is worth considering only if you prefer signing up at a physical kiosk. For most people, Maya is the better choice.