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Maya Savings vs Tonik
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
T
Tonik
Min balance: ₱0
Interest rate
6%
per year
Best for
Disciplined savers who want to lock money in time deposits for higher rates
Features
- • 6% Stash rate
- • Time deposits up to 7%
- • Quick loan feature
- • Debit card
- • Group stash
FeatureMaya SavingsTonik
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
Tonik
+Time deposits offer higher rates (up to 7%)
+Physical debit card available
+Quick Loan for emergencies
+Group Stash for shared savings
−Stash has lock-in periods
−Limited ATM network
−App stability issues reported
−Withdrawal can take time
The verdict
Maya is better for everyday use with its virtual cards and QR payments. Tonik wins for disciplined savers who want time deposits at 7%. If you can lock money away, Tonik gives you more. If you need flexibility, go Maya.