Maya Transfer Guide (2026)

[Papa Carder]

Maya (formerly PayMaya) is a popular digital wallet and banking app in the Philippines, allowing users to send/receive money, pay bills, buy load, and access financial services. It supports transfers to other Maya users, GCash, banks, and international partners, with a focus on ease and security via the app. As of March 11, 2026, Maya has over 50 million users and integrates with InstaPay for real-time bank transfers. This guide covers requirements, steps for different transfer types, fees, limits, and tips. Note: International sends from Maya are limited (e.g., to partners like Wise), while receiving from abroad is supported via remittance services.

Requirements for Maya Transfers​

• Account Setup: Download the Maya app (iOS/Android) and register with a Philippine mobile number. Verify with OTP.
• Verification Levels: Basic (unverified) has low limits; fully verified requires government-issued ID (e.g., passport, driver's license, UMID) and selfie for higher limits and full features. For Maya Overseas (abroad users), verification uses foreign IDs but with restrictions.
• Funding: Cash in via 7-Eleven, GCash, banks, or partners (free for most methods).
• Recipient: For Maya-to-Maya, phone number; for GCash/banks, account details.
• Age/Legal: 18+; comply with KYC for verified accounts.

How Maya Transfers Work​

Transfers are instant for Maya-to-Maya or via InstaPay (to GCash/banks), with SMS confirmations. Use the app for best experience; no internet needed for basic USSD, but app requires data. For international, Maya partners with services like Western Union or Wise for receives, but outbound is limited.

Step-by-Step Guides for Common Transfers​

1. Maya-to-Maya Transfer​

• Log in to the Maya app.
• Tap "Send Money" on the home screen.
• Enter the recipient's Maya-registered mobile number or scan QR.
• Input the amount and an optional message.
• Review and tap "Continue."
• Confirm with your MPIN (4-digit PIN).
• Both get SMS confirmation; instant and free for small amounts.

2. Maya to GCash​

• Log in to Maya and tap "Bank Transfer."
• Select GCash (GXI) as the destination.
• Enter the amount and recipient's GCash mobile number (as account number).
• Tap "Continue," review details, and tap "Transfer Now."
• Confirm with MPIN; arrives in seconds via InstaPay.

3. Maya to Bank Account​

• Log in and tap "Bank Transfer."
• Select the receiving bank from the list.
• Enter the account details (name, number), amount, and purpose.
• Tap "Continue," review, and tap "Transfer Now."
• Confirm with MPIN; real-time via InstaPay.

4. Maya Savings to Maya Wallet​

• Log in to Maya and go to "Savings."
• Select your Maya Savings account.
• Tap "Transfer to Wallet."
• Enter amount and confirm with MPIN.
• Funds move instantly; no fees.

5. International Transfers to Maya​

• Senders abroad cannot directly send to Maya wallets from most services (e.g., no from US via Zelle). Use remittance partners like Western Union, Remitly, or Wise — funds arrive in Maya as bank deposits (Maya is a digital bank).
• For outbound from Maya: Limited; use linked services like Wise for international sends.

Fees for Maya Transfers (2026)​

Fees are low and tiered; many are free for small amounts.

• Maya-to-Maya: Free.
• Maya to GCash/Banks (via InstaPay): PHP 15 per transfer.
• Savings to Wallet: Free.
• International Receives: Free for Maya; sender pays partner fees (e.g., Wise: 0.4-0.7%).
• No Receive Fees: Incoming transfers are free.

Limits for Maya Transfers (2026)​

Limits depend on verification level; fully verified have higher caps.

• Basic (Unverified): PHP 50,000 wallet limit; low transaction caps.
• Fully Verified: Max wallet balance PHP 100,000-500,000 (depending on type); daily send PHP 100,000; per transaction PHP 50,000.
• International: Partner-specific (e.g., Wise to Maya: up to partner's limit).

Tips for Maya Transfers​

• Use the app for real-time tracking and features like QR scans.
• Verify your account for higher limits and lower fees.
• For international, use Wise or Remitly for receives to Maya.
• Keep MPIN secure; enable biometrics.
• If can't send, check upgrade status or balance.
• Contact Maya support via app or 02-8845-7788 if issues arise.