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    Account Limits

    Learn what you can do with your Maya account

    Own your spending with Maya

    Get to know the available features and transaction limits
    of the different types of accounts

    Basic

    • Monthly limit of ₱50,000
    • Over-the-Counter Cash In
    • Buy digital goods on the shop
    • Scan PayMaya QR to pay merchants
    • Cashback, discounts and rewards
    • Receive Money from Banks/wallets via Instapay and QRPH
    • Send money to other Maya users and Padala agents
    • Send money to other Bank accounts/Wallets
    • Withdraw money from any Bancnet ATMs here and abroad through the Maya physical card
    • Receive Money from Banks/Wallets via QRPH, Instapay, Pesonet and Bank Pull
    • Free Buyer Protect* insurance which covers losses of up to ₱8,000 per claim for non-delivery of goods, wrong or incomplete deliveries, and physical damage
      *minimum ₱100 spend requirement on the Maya app

    Upgraded

    • Increased monthly limit of ₱100,000
    • Over-the-Counter Cash In
    • Buy digital goods on the shop
    • Scan Maya QR to pay merchants
    • Cashback, discounts and rewards
    • Send money to other Maya users and Padala agents
    • Send money to other Bank accounts/Wallets
    • Withdraw money from any Bancnet ATMs here and abroad through the Maya physical card
    • Receive Money from Banks/Wallets via QRPH, Instapay, Pesonet and Bank Pull
    • Free Buyer Protect* insurance which covers losses of up to ₱8,000 per claim for non-delivery of goods, wrong or incomplete deliveries, and physical damage
      *minimum ₱100 spend requirement on the Maya app

    Requirements:
    Video selfie, Valid ID, Verified Address and Verified Personal Information

    Upgrade my account

    Wallet and Transaction Limits

    Account Types
    Wallet Balance
    Monthly Limit
    Purchase Monthly Limit
    ATM Withdrawal Monthly Limit Limit: Based on ATM Rule, ₱ 50K daily
    Send Money to other Maya users Monthly Limit
    Bank Transfer (InstaPay Sending) Monthly Limit
    From other Maya Users Monthly Limit
    From other banks (InstaPay Receiving) Monthly Limit
    Via Maya app using Mastercard/VISA issued cards, BPI and BDO Over-the -Counter Partners

    Limit: Via Card (₱10K), BPI Account (₱20K), BDO OTC (Up to Wallet Size)
    Online & Banking Partners BPI Online, Metrobank, Unionbank ATM/Online, RCBC, PBCOM, Maybank, AUB, PNB & Other Partners

    Non-Bank and Over-the-Counter Partners
    Limit: ₱50K per transaction
    Account Types Basic Upgraded Super Users Ultimate Users
    Wallet Balance Monthly Limit ₱50K ₱100K ₱500K ₱5M
    Purchase Monthly Limit ₱50K Daily Limit ₱100K Daily Limit
    • Unlimited monthly amount
    • Unlimited Number of transactions
    		 ₱500K Daily Limit
    • Unlimited monthly amount
    • Unlimited Number of transactions
    		 ₱5M Daily Limit
    • Unlimited monthly amount
    • Unlimited Number of transactions
    ATM Withdrawal Monthly Limit: Based on ATM Rule, ₱50K daily -

    ₱50K Daily Limit

    • 10x a day 60x a month

    ₱50K Daily Limit

    • Unlimited Number of transactions

     ₱50K Daily Limit

    • Unlimited Number of transactions
    Send Money to other Maya users Monthly Limit - ₱20K per Transaction ₱100K Daily Limit
    • Unlimited monthly amount
    • Limit 60x a
      month
    		 ₱500K Daily Limit
    • Unlimited monthly amount
    • Unlimited Number of transactions
    		 ₱5M Daily Limit
    • Unlimited monthly amount
    • Unlimited Number of transactions
       
    Bank Transfer (InstaPay Sending) Monthly Limit -

    ₱50K Daily Limit
    ₱100K Monthly Limit
    40x a month

    ₱50K Daily Limit
    ₱500K Monthly
    Limit 80x a month

    ₱50K Daily Limit
    ₱5M Monthly
    Unlimited Number
    of transactions
    Receiving Money Limit
    From other Maya Users Monthly Limit Depends on the combined monthly wallet balance limit* Depends on the combined monthly wallet balance limit* Depends on the combined monthly wallet balance limit* Depends on the combined monthly
    wallet balance
    limit*
    From other Banks (InstaPay Receiving) Monthly Limit ₱50K per Transaction

    		 ₱50K per Transaction ₱50K per Transaction ₱50K per Transaction 
    Cash In Limits and Fees
    Via Maya app using Mastercard/Visa issued cards, BPI and BDO Over-the-Counter Partners

    Limit: Via Card (₱10K), BPI Account (₱20K), BDO OTC (Up to Wallet Size)    		 - Depends on the combined monthly wallet balance limit*
    • Via Card - ₱10K Per transaction and 5 attempts per day
    • Via BPI - ₱20K Per transaction and 10 attempts per day
    		 Depends on the combined monthly wallet balance limit*
    • Via Card - ₱10K Per transaction and 5 attempts per day
    • Via BPI - ₱20K Per transaction and 10 attempts per day
    		 Depends on the combined monthly wallet balance limit*
    • Via Card - ₱10K Per transaction and 5 attemptsper day
    • Via BPI - ₱20K Per transaction and 10 attempts per day
    Online & Banking Partners

    BPI Online, Metrobank, Unionbank ATM/Online, RCBC, PBCOM, Maybank, AUB, PNB & Other Partners    		 ₱50K per Transaction

    Unlimited items up to the monthly wallet balance limit*    		 ₱50K per Transaction

    Unlimited items up to the monthly wallet balance limit*    		 ₱50K per Transaction

    Unlimited items up to the monthly wallet balance limit*

    ₱50K per Transaction 

    Unlimited items up to the monthly wallet balance limit*
    Non-Bank and Over-the-Counter Partners
    Limit: ₱50K per transaction    		 Depends on the combined monthly wallet limit Depends on the combined monthly wallet limit Depends on the combined monthly wallet limit Depends on the combined monthly wallet limit

    For the complete list of Cash In Partners, visit our website.
    * This means your amount limit for this transaction type depends on the amount you already transacted within the month. For example, as a basic Maya user, your wallet balance limit is ₱50K and for this month you transferred 10K from your Metrobank savings account. This means you can only receive 40K for the rest of this month on other Cash In transactions.
    ** Monthy limit is subject to change

    How to check your Account Limits through the Maya app

    1. Log in to your Maya account
    2. Select the profile button on the upper left to access the drawer
    3. Select Account Limits
    4. Browse through your daily and monthly account limits by clicking on the appropriate tab button

    Related guides

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