How to Transfer Maya to Bank: Steps, ₱10 Fee and a Free Route

Every InstaPay transfer from your Maya wallet to another local bank now costs ₱10, according to Maya's help centre. If you can wait a few hours, there is also a route with no Maya fee at all. This guide covers how to transfer Maya to bank step by step, what each route costs, the limits, and what to do when a transfer goes wrong.

Maya to bank transfer fees at a glance

Maya has two ways to move money out to another bank: InstaPay (real-time) and PESONet (batch, not real-time). Here is what Maya's own pages say each one costs.

The wallet fee comes from Maya's InstaPay bank transfer guide. The Maya Savings rows come from Maya's Savings fees table, last updated July 15, 2026, which also lists transfers to any Maya Wallet or other Maya account as free. That table points to Annex B of the Maya Savings terms for the latest fees, so treat it as the current list rather than a permanent one.

Businesses are treated differently: InstaPay transfers from a Maya Business Deposit account are free until further notice, Maya says.

What it adds up to. By our math, using Maya's ₱10 fee: if you send part of your pay to your own bank account once a week, that is ₱10 × 52 weeks = ₱520 a year through InstaPay. The same weekly transfer through PESONet from Maya Savings costs ₱0 in Maya fees, as long as the waiver stays. The trade-off is speed, explained below.

Before you start: you need an upgraded Maya account

Bank transfers are not open to Basic accounts. Maya lists "transfer money to other bank accounts" as one of the features you unlock by switching from Basic to Upgraded. Upgrading also lets you open a Maya Savings account, which you need for the PESONet route.

The same page sets the cash-in and spending limits by account status:

• Basic: ₱50,000
• Upgraded: ₱100,000
• Super User: ₱500,000

Each InstaPay transfer also has its own ceiling. Maya's explainer on InstaPay and PESONet says each InstaPay transaction is capped at ₱50,000, while PESONet has no fixed network-wide cap; the limit depends on the bank. If you need to move more than ₱50,000 at once, PESONet is the route built for it.

Paano mag bank transfer sa Maya?

Here is how to send money from your Maya wallet to another bank through InstaPay, following Maya's step-by-step guide:

1. Open the Maya app and tap Bank transfer.
2. Select the receiving bank.
3. Enter the amount and the account details, then tap Continue.
4. Confirm the details and tap Transfer now.
5. Enter the one-time PIN (OTP) sent to your registered mobile number.
6. Optional: tap Save details to favorites so the next transfer to the same account is faster.
7. Tap View receipt for your proof of transfer. Maya also sends an in-app confirmation message.

Before you tap Continue, Maya asks you to check three things:

• You are using the recipient's bank or e-wallet account number. This may be different from the number printed on their ATM card.
• The amount is within the bank's, the e-wallet's and InstaPay's transaction limits.
• Your Maya balance covers the amount plus the ₱10 fee.

Maya says a transfer will fail if the account number is wrong, the account is frozen, blocked or dormant, or the receiving account has hit its inflow limit.

How to transfer Maya to bank without a fee

The no-fee route uses PESONet, and it starts from Maya Savings, not the wallet.

Step 1: Move money into Maya Savings. Maya's deposit guide says to go to your Savings dashboard, tap Deposit, enter the amount to move from your wallet, review it and tap Deposit.

Step 2: Send it out through PESONet. Maya's Savings transfer guide lists these steps:

1. Go to your Maya Savings account and tap Transfer.
2. Under "Select a destination", choose Other banks & wallets.
3. Select the destination bank or wallet.
4. Enter the account name and number, the amount and the purpose.
5. Choose InstaPay or PESONet (the options depend on the amount and the destination), then tap Continue.
6. Review the details and tap Transfer.
7. Enter the OTP if asked, then view your receipt.

Pick PESONet to avoid the ₱10 fee, which Maya's fee table lists as waived until further notice. Maya warns that PESONet transfers can take 1 to 2 banking days to appear in the destination account.

There is also a cashback benefit on some InstaPay transfers. Maya says eligible InstaPay transfers to other banks earn cashback credited to your wallet, subject to monthly limits and program rules. For its Maya XP benefit, only InstaPay transfers sent from your Maya Wallet count; transfers from Maya Savings do not. Check in the app whether your account has this benefit before you rely on it.

InstaPay or PESONet: which should you use?

Use InstaPay when the money has to arrive now: paying someone back, an urgent bill, a transfer late at night or on a weekend. Maya's explainer says it runs 24/7, including weekends and holidays.

Use PESONet when the transfer can wait, such as moving savings to your own bank account. It skips the ₱10 Maya fee and has no ₱50,000 per-transfer cap. Maya's PESONet troubleshooting page gives the expected posting times:

So a PESONet transfer sent on a Friday evening should post by 10:00 AM on Monday, if Monday is a banking day.

What to do if your transfer has not arrived

Maya's InstaPay troubleshooting guide sets out these steps:

1. Check Maya's Service Availability Status page. If an outage hit your transfer, Maya says your money is safe. It will either return the money to your Maya account on the next banking day or send it to the recipient within 2 banking days.
2. Ask the recipient to check their full balance, not just the app history. The 6-digit InstaPay reference number in your Maya history should match the last 6 digits of the invoice or reference number on the recipient bank's side. A PDF copy of their bank history can show transactions the app hides.
3. Wait up to 2 banking days while watching both accounts for the credit or a refund.
4. Contact the receiving bank or e-wallet if it still has not arrived. Bring the amount, the date and time, and the InstaPay reference number.

If the problem persists, use Maya Support Chat: log in, tap the Help Center icon at the upper right, scroll down and tap Chat with us. Maya's help centre also lists a hotline, (+632) 8845-77-88, and the domestic toll-free number 1800-1084-57788.

Sent to the wrong account?

Check your Maya transaction history first, Maya's wrong-account guide says:

• Unsuccessful or pending: if the transfer cannot be completed, the amount should return to your Maya account within 2 banking days. The same applies when the account number you typed does not exist.
• Successful: the money reached a real account. Contact the receiving bank or e-wallet with your transaction details. They can ask the account holder whether they are willing to return it, but Maya warns that a completed transfer to a valid account may not be reversible.

This is why the account-number check before you tap Continue matters. If someone tricked you into sending the money, that is a scam, not a typo: report it to Maya through the app chat, and see our guide on every way to report a scam text in the Philippines.

Will the ₱10 fee change?

It can. The Bangko Sentral ng Pilipinas has set rules on how banks and e-wallets price transfers; our explainer on BSP Circular 1238 covers how that rule works. Fees can change again, so the amount shown on your confirmation screen is the one that applies to that transfer. For money coming the other way, see our guide to receiving a remittance through GCash, Maya, a bank or pickup.