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Maya Savings vs SeaBank
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
S
SeaBank
Min balance: ₱0
Interest rate
6%
per year
Best for
Shopee shoppers who want to earn interest on idle money
Features
- • 6% p.a. interest
- • No maintaining balance
- • Linked to Shopee
- • Free transfers
- • ShopeePay integration
FeatureMaya SavingsSeaBank
Interest rate6%6%
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
SeaBank
+Same 6% rate as Maya
+No minimum balance or fees
+Direct Shopee integration
+Easy cash-in via ShopeePay
−Limited features beyond savings
−No virtual card
−Customer support can be slow
−Relatively new in PH market
The verdict
Both offer 6% interest, but Maya has more features (virtual cards, crypto, USD wallet). SeaBank wins if you live in the Shopee ecosystem. For pure savings, Maya is the safer bet with stronger security.