Cash in ₱10,000 at a Maya store partner in one month and you could pay ₱40 to ₱140 in net fees. Pull the same ₱10,000 from a linked BPI, ChinaBank, UnionBank or AllBank account and Maya charges nothing. The difference comes from Maya's own rules: some stores add a 2–3% convenience fee, and only your first ₱8,000 a month earns a rebate. This guide covers how to cash in Maya by every method, what each one costs, and what to do when the money does not arrive.
Maya cash-in methods compared
Maya's help article on how to cash in to your Maya wallet lists five ways to add money. Here is what Maya's help pages say about each:
| Method | Maya's fee | Per-transaction cap |
|---|---|---|
| Linked bank account (InstaPay), upgraded accounts only | None from Maya; your bank may charge | ₱20,000 |
| Over the counter (stores, malls, remittance centres) | 2–3% at some locations; rebate on the first ₱8,000 a month | Wallet limit applies |
| Self-service kiosk (TouchPay, Pay&Go, eTap) | Counted with over-the-counter cash-ins for the rebate | Wallet limit applies |
| Debit, credit or prepaid card | Shown in the app before you confirm | ₱10,000, up to 10 times a day |
| Maya Savings, upgraded accounts only | Not stated by Maya | Wallet limit applies |
The fee and cap figures come from the help pages linked in each section below. Where a row says "Wallet limit applies", Maya does not state a separate per-transaction cap in the help article, so your account's monthly limit is the ceiling.
Paano mag cash in sa Maya?
Open the Maya app and tap Cash in. Pick how you will pay: your bank account, a card, a store or kiosk, or Maya Savings. Enter the amount, then follow the prompts for that method. For a store or kiosk, you get a cash-in code to show or type in. For a bank or card, you confirm with a one-time PIN (OTP). Wait for Maya's confirmation before you leave the counter or close the app.
How to cash in Maya at 7-Eleven and other stores
7-Eleven, SM, Robinsons Supermarket, Palawan Express and Cebuana Lhuillier all appear on Maya's list of cash-in partners. The list changes, so check that your store is still on it in the app before you go. The steps are the same at every counter partner:
- Open the Maya app and tap Cash in.
- Choose your over-the-counter partner, such as a convenience store, mall, supermarket or remittance centre.
- Enter the amount and tap Continue to get your cash-in code.
- Show the code at the counter and pay.
- Wait for confirmation that the money is in your Maya Wallet before you leave.
What the store fee costs you
Maya says some over-the-counter locations, including convenience stores, malls, supermarkets and payment centres, charge a convenience fee of 2–3% of the total amount. If your cash-ins for the month stay within ₱8,000, Maya gives you a 2% rebate voucher to claim in your wallet. Anything above ₱8,000 earns no rebate.
By our math, using Maya's figures, here is a ₱10,000 month of store cash-ins:
- At a 2% location: ₱200 in fees (₱10,000 × 2%), minus a ₱160 rebate (₱8,000 × 2%) = ₱40 net.
- At a 3% location: ₱300 in fees (₱10,000 × 3%), minus the same ₱160 rebate = ₱140 net.
The assumption is that the rebate stays at 2% even where the store charges 3%, which is how Maya's help article words it. Keep store cash-ins at or under ₱8,000 a month and, at a 2% location, the rebate covers the whole fee.
The rebate does not appear on its own. To claim it, open Maya, go to Vouchers, pick the available voucher and tap Claim.
How to cash in Maya using Pay&Go, eTap or TouchPay
Kiosks work like stores, except you type the code into a machine. Maya's cash-in steps for a self-service kiosk:
- Open the Maya app, tap Cash in, then tap TouchPay, Pay&Go or eTap, depending on the kiosk in front of you.
- Enter the amount and tap Continue to get your 7-digit cash-in code.
- On the kiosk screen, tap e-Money, then choose Maya.
- Enter your 7-digit code and the same amount.
- Insert your cash.
- If the machine owes you change, it prints a change-receipt PIN. The receipt explains how to use that change on your next kiosk transaction.
Maya treats kiosk cash-ins at its partner stores the same way as counter cash-ins for the rebate. Its rebate help page says you get a cashback voucher as long as your total over-the-counter cash-ins for the month do not exceed ₱8,000.
How to cash in Maya without a fee: link your bank
Maya's Cash In via Bank (InstaPay) feature pulls money from your bank account without leaving the Maya app. InstaPay is the real-time transfer network that connects Philippine banks and e-wallets. Maya says it charges no fee for this cash-in, though your source bank may charge its own fee.
Before you start, check these rules from Maya's help centre:
- Upgraded account required. Maya says your account must be upgraded to use this method, and you need an existing bank account as the source.
- Four banks for now. The supported source banks are BPI, ChinaBank, UnionBank and AllBank. Maya says more are coming.
- ₱20,000 per transaction. That is the maximum for a linked-bank cash-in, and your daily and monthly wallet limits still apply.
- One account per bank. You can link one account from each bank. To switch to another account at the same bank, unlink the old one first.
The steps, from Maya's linked-bank guide:
- Open the Maya app and tap Cash in.
- Tap Bank account.
- Choose an account you linked before, or select a bank to link a new one.
- Enter the amount and tap Continue.
- Log in to your bank account and select the fund source.
- Enter the OTP sent to the mobile number registered with your bank.
- Wait for confirmation that the money is in your Maya Wallet.
By our math, moving ₱10,000 this way costs ₱0 in Maya fees, against ₱40 to ₱140 net through a store, as worked out above. Check your bank's own fee screen before you confirm.
Cashing in with a debit or credit card
Card cash-in works with debit, credit and prepaid cards. Maya's cash-in guide sets a cap of ₱10,000 per transaction and 10 card cash-ins a day.
- Open the Maya app and tap Cash in.
- Under Popular Methods, tap Debit or credit card.
- Pick a saved card, or tap Use new card and enter the card details the first time.
- Enter the amount and note the fees shown for the transaction.
- Review the confirmation screen and tap Continue.
- Enter the OTP sent to the mobile number registered with your bank.
- Wait for confirmation that the money is in your wallet.
Maya also tells you to check with your card's issuer about its own fees for wallet cash-ins.
Visa cards until December 31, 2026. Maya's Visa cash-in promo page states that a regular cash-in via Visa is charged a ₱200 fee per transaction. From July 1 to December 31, 2026, it pays a ₱200 cashback voucher on each of your first five Visa cash-ins below ₱5,000 every calendar month, then ₱100 on each later one. Every Visa cash-in of ₱5,000 and above gets ₱100. By our math, the ₱200 voucher cancels out the ₱200 fee on those first five, while each later cash-in still nets ₱100 in fees. Maya says qualified users receive the cashback in the app within 14 days after the promo period. Check the fee on your confirmation screen, because the promo ends with the year.
From Maya Savings to your wallet
If you keep money in Maya Savings, you can move it into the wallet from the same Cash in screen:
- Open the Maya app and tap Cash in.
- Tap Maya Savings.
- Enter the amount and tap Continue.
- Review the details and tap Transfer.
- Tap View receipt to see the details, or Finish.
Maya Savings is only for upgraded accounts. Maya lists "Open a Maya Savings account" among the features you unlock by upgrading.
Moving money in from GCash or another bank
A transfer from another app is not one of Maya's cash-in methods. You start it from the sending side, and the sender's fee applies. GCash, for example, lists its bank transfer fee as ₱10 per InstaPay transaction, up to ₱50,000 each. In your GCash or bank app, use its bank-transfer feature and check that Maya is in its list of receiving banks and e-wallets. Our guide to transferring GCash to a bank account walks through GCash's steps.
Note that money sent from another bank does not count for Maya's Visa cash-in cashback, as the promo page says directly.
Maya cash-in limits by account type
Every cash-in counts toward your account's limit. Maya's help page on incoming transaction limits lists:
| Account type | Limit |
|---|---|
| Basic | ₱50,000 |
| Upgraded | ₱100,000 |
| Super User | ₱500,000 |
| Ultimate User | ₱5,000,000 |
If you hit the ceiling on a Basic account, upgrading raises it to ₱100,000 and unlocks the linked-bank and Maya Savings routes above. You can see your own limits in your Maya profile.
Cash-in failed or rebate missing? What to do
Linked-bank cash-in failed. Maya's troubleshooting page asks you to check that:
- your bank account has enough funds;
- the account is active and allowed to make online transactions;
- your bank's systems are up;
- your phone's internet connection is strong enough.
Store rebate not in yet. The voucher should arrive within 1 to 3 business days, Maya says. It only comes if your over-the-counter total for the month is ₱8,000 or less. Look under Vouchers in the app before you raise a complaint.
Still stuck? Use Maya Support Chat: log in, tap the Help Center icon at the upper right, scroll to the bottom and tap Chat with us. You can ask for a representative or a ticket. Maya's help centre also lists its hotline, (+632) 8845-77-88, and the domestic toll-free number 1800-1084-57788.
Only cash in through the Maya app and the partners it lists. If someone offers to "load" your Maya for you through a link or a chat, treat it as a scam and see every way to report a scam text in the Philippines. Once your wallet is funded, our guides cover paying bills in Maya and transferring Maya to a bank.
