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Showing posts sorted by relevance for query Maya app. Sort by date Show all posts

If you are new in trading, this is how you can buy and sell stocks using your Maya app!

In an era where financial inclusion and digital banking are transforming how Filipinos manage money, DragonFi Lite, integrated within the Maya app, stands out as a powerful innovation. It offers everyday Filipinos a simple, secure, and cost-effective way to start investing in the Philippine Stock Exchange (PSE)—all from the convenience of a mobile wallet they may already use.

Here’s a comprehensive look at what DragonFi Lite is, how it works, and why it matters.



What is DragonFi Lite?

DragonFi Lite is a streamlined stock trading platform embedded directly into the Maya app, designed for users who want to start investing in Philippine stocks with zero barriers. It is a lighter, more accessible version of the full-featured DragonFi 2.0 platform.

For me, DragonFi Lite is one of the best platforms where you can do trading, buy and sell stocks at your fingertips. Launched in September 2024, DragonFi Lite was built to bridge the gap between digital wallets and investing, enabling users to seamlessly transition from saving to building wealth through the stock market.


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Key Features of DragonFi Lite



1. Zero Minimum Investment

Unlike traditional brokers that require an initial deposit (often ₱1,000 or more), DragonFi Lite does not require any minimum amount to start investing. You can begin with whatever you have in your Maya Wallet—even ₱100.


2. Direct Integration with Maya Wallet

Your investments are directly linked to your Maya Wallet balance. There’s no need to manually transfer funds to a separate broker account. When you buy a stock, the amount is automatically deducted from your wallet. When you sell, proceeds go back into your Maya Wallet—ready to spend, save, or reinvest.


3. Fast and Paperless Account Opening

Setting up a DragonFi Lite account takes only about 15 minutes through Maya. Users submit their ID, complete basic KYC (Know Your Customer) verification, and gain access to the trading feature without visiting any physical branch.


4. No Deposit or Withdrawal Fees

All fund movements between Maya Wallet and your DragonFi Lite account are fee-free, helping maximize your investment returns and allowing flexibility to move money in and out as needed.


5. After-Hours Trading

DragonFi Lite supports after-hours stock trading, meaning you can place buy or sell orders even outside the regular PSE trading window. This is particularly useful for users with limited availability during daytime trading hours.


6. User-Friendly Interface

Built into Maya’s intuitive design, DragonFi Lite offers a clean and simplified interface tailored for first-time investors. It minimizes financial jargon and focuses on clear navigation, stock search, buy/sell buttons, and portfolio monitoring.


7. Educational Integration

The app includes access to curated financial content from DragonFi’s Investing Club and Creators Circle, giving users the chance to learn basic investment principles, understand the stock market, and explore recommended strategies—all within the same platform.




What Can You Invest in?

DragonFi Lite allows you to invest in stocks listed on the Philippine Stock Exchange, including many well-known companies such as:

  • Ayala Corporation (AC)
  • Jollibee Foods Corporation (JFC)
  • PLDT Inc. (TEL)
  • SM Investments Corporation (SM)
  • Globe Telecom (GLO)

These companies may also offer cash dividends, which will be credited to your Maya Wallet when paid out—no action required from the investor.



Security and Regulation

DragonFi Lite operates under the full regulation of the Philippine Stock Exchange (PSE) and the Securities and Exchange Commission (SEC). Maya, the digital banking partner, is a BSP-regulated financial institution.

Key security measures include:

  • Biometric login (via Maya)
  • Two-factor authentication (2FA)
  • Encrypted transactions
  • Regular platform updates to prevent vulnerabilities

While DragonFi Lite is embedded within the Maya app, it operates as a separate stock trading account, and users must still pass identity verification procedures.



DragonFi Lite vs. DragonFi Full Platform



If you're just getting started and prefer simplicity, DragonFi Lite is the better option. For more seasoned investors, the full DragonFi platform provides greater control and analysis.


Who Should Use DragonFi Lite?

DragonFi Lite is ideal for:

  • First-time investors with little to no experience

  • Maya users who want seamless stock investing

  • Students and young professionals starting with small capital

  • Busy individuals who need flexible trading hours

  • Anyone looking to learn and grow into more complex investing later on




How to Start Using DragonFi Lite on Maya


Download or open the Maya app
  • (Available on iOS and Android)

Tap on the “Stocks” feature
  • Look for the DragonFi Lite module inside the Investments section.

Sign up for a DragonFi Lite account
  • Complete identity verification and link it to your Maya Wallet.

Start trading
  • Search for stocks, place buy or sell orders, and track your investments—all in the app.



Final Thoughts

DragonFi Lite is a game-changer for Filipino retail investors, offering unmatched ease of access, zero-cost entry, and educational support—all within one of the country’s most widely used digital wallets. By integrating investing into everyday financial habits, DragonFi and Maya are making stock market participation more inclusive and approachable than ever.

Whether you're investing ₱100 or ₱10,000, DragonFi Lite provides a solid foundation to start your financial journey—on your terms, at your pace.


More Financial Guides


DragonFi Lite on Maya: A Beginner-Friendly Gateway to Stock Investing in the Philippines


Looking for a credit card that gives you rewards while you shop? The Maya Landers Cashback Everywhere Credit Card might be the perfect fit—especially if you’re a frequent shopper at Landers Superstore. This co-branded card by Maya Bank and Landers gives you generous cashback rates, digital convenience, and all-in-one functionality. Here's everything you need to know to apply and take advantage of its features.



What is the Maya Landers Cashback Everywhere Credit Card?

The Maya Landers Cashback Everywhere Credit Card is a co-branded credit card designed to maximize savings on your purchases. It acts as both a Landers membership card and a credit card that you can use anywhere Visa is accepted.



Cashback Benefits and Features

Here’s what makes this card a solid choice for both everyday spenders and loyal Landers customers:

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1. Cashback Rates

Up to 5% cashback at Landers Superstore:

3% cashback – monthly spend below ₱20,000

4% cashback – monthly spend of ₱20,000 or more

5% cashback – monthly spend of ₱50,000 or more

2% cashback on dining

1% cashback on all other transactions


2. Easy Cashback Redemption

Cashback is converted into ₱500 vouchers for every 500 points.

Redeem vouchers at any Landers Superstore nationwide.


3. Dual Function: Card + Membership

Works as your Landers membership card—no need to carry two cards.

Enjoy exclusive access to Landers’ promos, dining areas, and special events.


4. App-Based Management via Maya

Track expenses, pay bills, and manage your credit card within the Maya app.

Includes a dynamic CVV for added security during online transactions.


5. No Annual Credit Card Fee

No annual fee for the credit card itself.

Just maintain an active Landers membership to continue using the card.


If you like this article, you can also visit my guide for 5 Credit Cards with No Annual Fees in the Philippines



How to Apply for the Maya Landers Credit Card


Step 1: Meet the Eligibility Requirements

Must be a Filipino citizen and resident of the Philippines

21 to 65 years old

With a regular monthly income

Must have an active Landers membership


Step 2: Apply Through the Maya App

Download the Maya app (available on iOS and Android).

Log in or create a Maya account and complete your profile.

Tap the “Credit” section and select “Apply for Maya Credit Card.”

Choose the Landers Cashback Everywhere Credit Card.

Fill out the required information and submit documents (e.g., valid ID, proof of income if required).

Wait for approval, which typically takes a few business days.


Step 3: Card Delivery and Activation

Once approved, your card will be delivered to your address.

Activate your card in the Maya app and set your security features.




Pro Tips to Maximize Your Cashback


Use the card regularly for grocery runs at Landers to hit the 5% cashback tier.

Pay for dining and restaurant bills using the card to enjoy the 2% cashback.

Always track your cashback points in the Maya app so you can redeem them on time.





Final Thoughts

The Maya Landers Cashback Everywhere Credit Card is a practical choice if you love cashback rewards and shop frequently at Landers Superstore. With a seamless digital application process, no annual fee, and useful cashback tiers, it's a win-win for smart spenders.


RELATED GUIDES

Other Low-Interest Personal Loans in the Philippines

Here's a list of banks or financial institutions that offer personal loans with the lowest interest rates in the Philippines:

How to Apply and Get Approved for Maya Landers Cashback Everywhere Credit Card: A Complete Guide


Where to invest, how to sign up, and what to expect from each platform.

The Philippine stock market has become more accessible than ever thanks to digital brokerages that allow you to buy, sell, and manage stocks from your phone or computer. Whether you're a beginner looking to dip your toes or a more seasoned trader seeking better tools, choosing the right broker is your first step to investing success.

Here are the 10 best online stockbroker platforms in the Philippines for 2025, including where to sign up, how to access each one, and what makes them unique.



1. COL Financial

COL Financial is one of the most established stock brokers in the Philippines and is often considered the go-to platform for beginners. It offers detailed research reports, webinars, and a straightforward web-based interface. With a minimum deposit of just ₱1,000 for an "Easy" account, it’s easy to get started—even if you’re new to investing.


Although it doesn’t have a mobile app, COL’s platform is stable and reliable. You can log in via browser on mobile devices, and its research tools and customer service support make it a favorite among long-term, conservative investors.


Platform: Web-only (no mobile app)


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2. DragonFi

DragonFi is one of the newest and most modern trading platforms in the Philippines, offering advanced charting, conditional orders, and a sleek interface powered by TradingView. With a low deposit requirement of ₱1,000, you can start accessing powerful tools typically reserved for institutional investors.

You can download the DragonFi app from the App Store or Google Play, or use their browser-based platform. DragonFi also offers access to dividend screening, investment clubs, and will soon include retirement accounts through its SEC-accredited PERA (Personal Equity and Retirement Account) feature.


Platform: Web and mobile app (iOS & Android)

Facebook Page: DragonFi


3. BDO Securities

BDO Securities is the in-house stockbrokerage of BDO Unibank, making it especially convenient for existing BDO account holders. Transfers between your BDO savings account and trading account are seamless and fast, and you can begin investing with as little as ₱1,000.

The platform is mobile-friendly but primarily accessed through web browsers. It provides access to research, IPOs, and mutual funds. While it’s not as flashy as newer platforms, it’s reliable, regulated, and trusted by millions of Filipinos.


Platform: Web-based (mobile-responsive)



4. DragonFi Lite (via Maya App)

DragonFi Lite is built right into the Maya app, making it one of the most accessible ways to start investing in Philippine stocks—especially for new investors. There's no minimum deposit, and you can begin buying stocks using your existing Maya Wallet balance.

To access DragonFi Lite, simply download or open the Maya app, sign in, and tap on the "Stocks" section. You’ll be guided through an easy onboarding process and can begin trading within minutes. It's perfect for beginners who prefer simplified interfaces and already use Maya for daily transactions.

Platform: Download the Maya app from App Store or Google Play


5. First Metro Securities

First Metro Sec is backed by Metrobank and offers a wide range of investment products, including mutual funds and ETFs, alongside regular stock trading. It caters to both beginners and intermediate investors, with educational content and in-depth research from seasoned analysts.


You can sign up via their website or download the FirstMetroSec GO app. Minimum deposit is ₱5,000 (waived if you’re a Metrobank account holder). It’s a solid all-around broker with good customer support and tools for portfolio tracking.


Platform: Web and mobile app (FirstMetroSec GO)

Facebook Page: First Metro Securities


6. BPI Trade

BPI Trade is a straightforward option for BPI account holders looking to begin investing in the stock market. While it lacks a mobile app, it integrates well with BPI Online, allowing users to fund their trading accounts instantly.


To open an account, visit their website and complete the online form. While the interface is basic and not as modern, it remains a secure and reputable platform backed by one of the Philippines’ largest banks. It’s a dependable option for those who already bank with BPI.


Platform: Web-only

Facebook Page: BPI Trade


7. Philstocks

Philstocks is a PSE-licensed broker offering both web and mobile trading platforms with real-time data and technical analysis tools. It's a favorite among active traders for its simple interface and accessible tools. Minimum deposit is only ₱1,000.


You can download their app (Philstocks Mobile) via the App Store or Google Play. Philstocks also offers tutorials and webinars to help beginners navigate the stock market with confidence.


Platform: Web and mobile app (Philstocks Mobile)

Facebook Page: Philstocks


8. AB Capital Securities

AB Capital Securities is one of the most respected brokers in the Philippines, particularly favored by long-term investors and retirees. It provides well-researched market insights, reliable execution, and a solid support team. With a ₱5,000 minimum deposit, it's ideal for those looking to build a serious investment portfolio with professional-grade guidance.


You can trade with AB Capital via their official website, or more conveniently through GCash using the GStocks PH feature. Simply open the GCash app, tap "GInvest" then "GStocks PH," and choose AB Capital as your broker during registration. This integration offers Filipinos a smooth, mobile-first experience—no need to open a separate brokerage account elsewhere.


Platform: Web-based and GCash GStocks PH




9. MakeTrade by RCBC Securities

RCBC Securities is the official stock brokerage arm of RCBC Bank and provides a streamlined experience for RCBC account holders. With direct integration to RCBC banking services, investors can easily fund their accounts and manage investments in one ecosystem. The platform offers access to real-time stock data, market research, and personalized watchlists.


Accessible via its web-based trading platform, RCBC Securities focuses on security and reliability over flashy features. While it doesn’t have a mobile app, it remains a solid choice for conservative investors and RCBC clients looking for stability, ease of use, and trusted financial backing.


Platform: Web-based

Facebook Page: RCBC Securities


10. Luna Securities

Luna Securities is a low-cost, no-frills stockbroker offering easy access to the PSE with a simple online platform. With a ₱1,000 minimum deposit, it’s beginner-friendly and provides essential tools for stock investing without overwhelming users.

While it doesn’t offer mobile apps or sophisticated charts, Luna’s strength lies in its simplicity and affordability. Investors looking for a basic, PSE-accredited broker will find Luna a practical choice for budget-conscious trading.


Platform: Web-based

Facebook Page: Luna Securities Inc.


How to Register with a Philippine Stock Broker

Registering for an online broker in the Philippines typically takes 15 to 30 minutes, especially if you already have a valid ID and an internet connection. Here’s what most brokers will require during sign-up:


Common Requirements


  • Valid government-issued ID (e.g., Passport, Driver’s License, UMID)

  • Tax Identification Number (TIN)

  • Email address and mobile number

  • Bank account details (for deposits/withdrawals)

  • Selfie or video verification (some platforms require biometric checks)

  • Signature specimen (uploaded via photo or digital form)

  • Employment and financial information (source of income, risk profile)

Some brokers like DragonFi and Maya offer fully digital onboarding, while traditional banks like BPI and RCBC may require printed forms or in-person verification for some users.


Final Thoughts

There’s no shortage of options when it comes to investing in the Philippine stock market. Whether you’re after advanced trading tools or a simple mobile setup, these 10 platforms offer something for everyone. Your next step is to pick one, register, and start your investing journey.


The 10 Best Online Stock Broker Platforms in the Philippines


Did you know you can now cash in to your Maya wallet using your credit card—with zero convenience fees? That’s right—Maya is running a promo that allows users to cash in using Visa credit cards without being charged the usual 2%–3.5% service fee. I tried it myself using my BDO Visa credit card, and here’s everything you need to know before trying it yourself.



What Is the Maya Visa Credit Card Cash-In Promo?

Maya is currently offering a No Convenience Fee promo when you cash in using any Visa credit card, directly through the app. This is a major win for users who want to fund their Maya wallet without bank transfers, InstaPay, or trips to physical stores. You can now top up directly from your credit line at no additional cost—if you do it right.


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Promo Period

As of writing (August 2025), the promo is ongoing, but like all promos, it may be time-limited. Check the Maya app announcements or their social media pages to see if it’s still active.





My Personal Experience with BDO Visa Credit Card

I tested the process myself using my BDO Visa credit card, and here’s how it went:

  • ✅ The transaction pushed through instantly

  • ✅ I was not charged any convenience fee

  • ✅ The amount was credited to my Maya wallet in real time

  • ✅ It worked as long as the amount was under ₱5,000

However, there were a few key limitations:

  • ⚠️ Maximum of two transactions under ₱5,000 were allowed per day

  • ⚠️ My attempts to cash in ₱5,000 or higher were declined

  • ⚠️ BDO only allowed a total of ₱9,998 (₱4,999 × 2) in one day

So if you’re using a BDO Visa credit card, you can cash in up to ₱9,998 daily using this method—as long as you split the transactions.



Important: Check for Quasi-Cash Fees

While Maya waives their own convenience fee during the promo, some banks treat wallet top-ups as “quasi-cash transactions”, which may trigger cash advance fees or interest charges.



How to Avoid This


Check your bank's policy before using their credit card

Call your bank and ask: “Do you charge quasi-cash or cash advance fees for wallet top-ups?”

Use banks that treat Maya top-ups like regular purchases (BDO Visa seems to be one of them)

Banks known for quasi-cash fees include some foreign banks, fintech cards, and even certain local Mastercard issuers. Visa cards seem to work better overall for this promo.

Apply for a BDO Credit Card now!


How to Cash In to Maya Wallet Using Your Credit Card

Here’s the full step-by-step process:

  1. Open the Maya app

  2. Tap “Cash In” from the home screen

  3. Select “Credit/Debit Card”

  4. Tap “Link a New Card” and enter your Visa credit card details

  5. Set your desired amount (keep it under ₱5,000 per transaction)

  6. Confirm the payment and complete any OTP verification from your bank

  7. Wait for the top-up to reflect—should be instant

You’ll receive confirmation from both Maya and your credit card provider.




Reminders Before You Try It


💡 Only Visa credit cards are eligible for the no-fee promo (not Mastercards)

🔐 Make sure your card supports online transactions and 3D Secure

⚠️ Some banks might decline transactions flagged as wallet top-ups

📈 If you exceed daily limits, you may need to wait 24 hours before trying again



Final Thoughts

This Maya Visa credit card cash-in promo is a smart way to add funds to your wallet for free, especially if you're investing through DragonFi Lite, paying bills, or sending money. Just be mindful of your card’s policies and transaction limits to avoid any surprise fees.

If you’re using a BDO Visa card like me, it’s a safe bet—but always start with small amounts and monitor your credit card statement after your first few transactions.


More Financial Guides


How to Cash In to Maya Wallet Using a Credit Card (with No Fees!)


If you're a Maya user hunting for higher savings interest rates, good news: up to 15% p.a. Maya Savings boost is still active as of August 1, 2025 — and yes, the Lazada and Grab "hacks" still work.



This savings trick is perfect for those who want to make the most of Maya's tiered incentive system without overspending or relying on unclear promos.

Here's a breakdown of how it works, how you can unlock up to 15%, and a step-by-step guide on using Lazada to do it — hassle-free and cost-effective.


Open Maya App

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Breakdown: Up to 15% p.a. for Select* Maya Users

Maya’s tiered interest rates are based on your spending behavior. Here’s the current setup:


Requirement Boosted Interest (on Savings Balance)


  • ✅ Base Rate 3.5% p.a. on all balances

  • ✅ Spend P35,000 via QRPh / Maya Card +6.5% p.a.

  • ✅ Spend P40,000 via Landers Maya Credit Card +3% p.a.

  • ✅ Spend P2,000 via Maya Easy Credit +2% p.a.

Total Possible Up to 15% p.a.

Note: Promos and boosted rates are for SELECT users — Maya sometimes targets based on account activity.




How to Easily Unlock the First 10% Using Lazada (Updated August 2025)

One of the simplest and most cost-efficient ways to unlock the 6.5% QRPh/Card Spend boost is through Lazada cash-ins using your Maya Wallet and card. Here's how:


Step-by-Step Lazada Hack



1. Link Your Maya Wallet/Card to Lazada


Go to Lazada > Wallet > Cash In > Cards

Add your Maya Virtual or Physical Card


2. Fund Your Maya Wallet


Make sure your Maya Wallet has at least ₱35,000. This is the spending requirement for the 6.5% interest boost.


3. Start a Cash-In on Lazada


Choose Cash In via Linked Card (your Maya card).

Enter ₱35,000 as the amount.


4. Wait for the Confirmation


Maya will send you an SMS confirmation once the cash-in is successful.


5. Get the 10% Interest


Within a few days, you should see your interest rate jump to 10% (3.5% base + 6.5% QRPh/card boost).


6. Transfer Back to Maya


Use Lazada's 1-time free bank transfer to move the ₱35,000 back to your Maya Wallet or other e-wallets.

This closes the loop — no actual net spending, but you still unlock the interest.



Why Lazada?

Cash-in is free, and they offer a 1-time bank transfer out — no fees, no hassle.



GrabPay Variant Still Works Too

Similar steps apply to GrabPay, where you can load funds via your Maya card, then cash out or use them — also counting toward the required spend. However, Lazada remains the preferred option due to ease of transfers and fee-free setup.




Final Notes

This technique works as of August 1, 2025, but Maya may update terms anytime.

These boosts are technically spend-based, so while you're moving money around, the system counts it as eligible "spend".

Always verify via the Maya app or SMS that your boosts are active.


More Financial Guides

Yes, the 15% Maya Savings Hack Still Works — Here's How (Lazada & Grab Edition)

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Did you know that you can now start saving money online? Here's how.



Do you want to open a savings account without going to the bank? Thanks to digital banks like CIMB Bank, Tonik, and Maya Bank (formerly PayMaya), they let you open an account through their mobile apps. You can even submit the required documentation in real time.

Even traditional banks like Maybank, UnionBank, and RCBC have upgraded their processes for clients to do everything online. So that means no more branch visits and long lines.


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Overview of Digital Banks in the Philippines

Here's a list of digital banks and their Interest Rate Per Annum:
  • CIMB Bank - 0.50% – 2.60%
  • Komo Bank - 2.50% 
  • Maya Bank (formerly PayMaya) - 6.00%
  • Maybank - Up to 1.00%
  • RCBC - Varies
  • SeaBank - 5.00%
  • Tonik Bank - Up to 6.00%
  • UnionBank - 0.10%



CIMB Bank

CIMB Bank Philippines is an all-digital mobile bank. Its first financial product was GSave, which the bank integrated into the GCash app. Eventually, the company introduced other savings accounts, like Upsave, Fast, and Fast Plus, that offer annual interest rates starting from 0.50% to 2.60%.

The UpSave has a base rate of 2.50%. This account offers free life insurance with coverage of up to ₱250,000 if you maintain a minimum average daily balance of ₱5,000.

The GSave account is accessible in the GCash wallet and offers a 2.60% interest rate per annum. You can also transfer GCash funds to the GSave account with ease.

With your CIMB Savings account, you can deposit money over the counter through more than 8,000 partners, including 7-Eleven, SM Payment Center, and LBC. Other features include mobile bank transfers, prepaid reloading, and bills payment.




HELPFUL ITEMS YOU CAN USE TO SAVE MONEY!

Here's my list of useful items for you to save or earn money wisely:

Shopee is my go-to app for things I needed like the ones above. If you'd like discounts and vouchers, you may get the best offers here:

Maya Bank

Maya Bank, formerly PayMaya, is a fully digital bank that offers an introductory promo of 6.00% interest rate per annum when you open a savings account until October 13, 2022. This digital bank is available to all Maya users. Depositors need to maintain an average daily balance of ₱10,000 to earn interest.

The savings are insured by the PDIC for up to ₱500,000. Since it’s linked to your Maya account, you can easily make transactions online such as bills payment, money transfers, and purchases of mobile load.




SeaBank

SeaBank by SeaBank Philippines, is another digital bank that’s regulated by the Banko Sentral ng Pilipinas. It’s a rural bank that offers a mobile banking service to all current and non-depositors. Like any other digital bank, opening a savings account is super easy.

Download the SeaBank mobile app and go through the verification process. Sign up in five minutes with a valid ID. There’s no minimum balance to maintain your account, no deposit cap, and no lock in period. You can deposit for as low as ₱1 and start growing your money with its 5.00% interest rate per annum.

Depositors receive a daily payout of the interest earnings. You can transfer funds from your SeaBank account to other banks for withdrawals. As of the time of writing, the bank doesn’t have an ATM card.




Tonik Bank

Tonik Bank is a digital-only bank in the Philippines that offers a full suite of banking services with no maintaining balance. You can open an account for free through the mobile app. There are no minimum balance requirements. You’ll earn interest on your deposits up to 6.00% per annum, and you can use Tonik’s mobile app to manage your finances on the go.

Tonik offers a 1.00% interest per annum on your savings account and comes with a physical debit card that you can use for withdrawals and other in-store purchases. Since this is a branchless bank, depositing funds is super easy, as you can do it via GCash, local bank transfer, or CLiQQ kiosks.

You earn up to 6.00% interest rate per annum with a maximum deposit of ₱100,000 that you will hold off for six months.




RCBC Touch Q

RCBC Bank allows clients to open a savings account through RCBC Touch. It’s a web portal for Filipino citizens 18 years old and above. You need a valid government-issued ID for the account opening process.

If you use RCBC Touch, you can open any savings accounts like One Account, GoSavers, and Regular ATM Savings. It also lets you apply for checking accounts like Dragon Checking and eWoman Checking accounts. The interest rates, initial deposit requirement, and minimum average daily balance of these accounts vary. But for starters, the Regular ATM Savings account only requires a minimum deposit of P3,000.




iSave by Maybank

Maybank launched iSave as its first online-only savings account that you can open through the mobile app. Open a savings account straight from your phone and submit the documents online.

With iSave, there’s no initial deposit or minimum balance required. But if you want to earn a profit of 0.25% per annum, you should have ₱20,000 as your average daily balance.

You can deposit up to ₱100,000 in your account, and you will also receive an EMV-enabled ATM card if you top up your account with a one-time deposit of at least P1,000.



UnionBank

UnionBank is a traditional bank that continuously takes advantage of innovative solutions to improve its services. This is why it has won Best Digital Bank for three straight years. It’s one of the first banks that offered Instapay to clients, allowing real-time fund transfer funds to any major local bank via mobile bank transfer.

You can pay bills, insurance premiums, and even your taxes. Deposit a check by scanning within the app. Depending on your budget goals or saving habits, you can also open a PlayEveryday, Personal Savings, Savings +, or GetGo Debit account.



These savings accounts have different minimum ADB and annual fees. But overall, having a UnionBank account gives you the convenience of mobile banking.

Which digital bank is for you?

If you are looking for low-interest loans, here's my list of Personal Loans With the Lowest Interest Rates in the Philippines.


Acknowledgement: This article is sponsored by Usapang Hanapbuhay.

Bisitahin ang Usapang Hanapbuhay Facebook Group para sa iba pang tips at mga diskarte sa pera!


Like Usapang Hanapbuhay Facebook page for other updates!
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Top Digital Savings Banks in the Philippines (CIMB, Maya, Tonik, SeaBank and More!)


Here's your complete list of promos for students and working subscribers by Smart.



The competition within the telecommunication space is getting tougher and tougher each year that’s why telco like Smart Communications needs to be creative and innovative to keep their position as one of the telco giants in the Philippines.

To serve their customers better, Smart continuously introduces new promos for calls, texts, and internet data where they offer competitive rates while maintaining the quality of their service.


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Through the years, the list of Smart promos keeps on piling up and choosing which one can give your money a bang seems hard. That’s why here in our post we listed down all of the well-known Smart call, text, and mobile data promos along with other promo codes that probably will be the first time you’ll discover.



Smart Promos

For many, if someone mentions Smart promo, the first thing that comes to mind is the data or internet bandwidth allocation attached to it. That’s why many millennials love it, yet, there are still people who are still looking for a promo only for call and text for them to consume either for business or to connect with their family and friends.


Speaking of internet data, the usage now went over from simple internet browsing and scrolling social media news feed like Facebook, TikTok, Instagram, etc.

Today, data becomes more important with the rise of delivery services where the majority of both the riders and drivers are using an app (like Grab, Angkas, Lalamove, etc) that usually needs a connection to the cloud to retrieve information about the product they’re going to deliver and the address of their customer.

Did you know that you can have a special or vanity number from Smart? You can get one from here.

RELATED: List of Smart Mobile Number Prefixes in the Philippines (Including Smart Postpaid)


WHERE TO BUY A SIM CARD IN THE PHILIPPINES

Here are the top mobile networks (where you can purchase and get a SIM card) in the Philippines:

Shopee is my go-to app for things I needed like the ones above. If you'd like discounts and vouchers, you may get the best offers here:

Smart Promos for School and Work

Below is the list of promos for students and working offered by Smart network to all its subscribers across the Philippines:



GIGA STUDY PRO 199
  • Features: 6 Gigabytes of mobile internet data plus 3GB daily access to Google Classroom, Microsoft Teams, Youtube and others (total of 21GB)
  • Price: ₱199
  • Validity: 7 Days
  • How to register: Dial *123# then choose Pro then select Study then pick 6GB, 7 days, 199 pesos then finally hit Subscribe
  • Avail thru: Shopee Top-up (2% discount), Lazada Top-up, GCash


GIGA STUDY PRO 599

  • Features: 12 Gigabytes of mobile internet data plus 3GB daily access to Google Classroom, Microsoft Teams, Youtube and others (total of 45GB)
  • Price: ₱599
  • Validity: 15 Days
  • How to register: Dial *123# then choose Pro then select Study then pick 12GB, 15 days, 599 pesos then finally hit Subscribe
  • Avail thru: Shopee Top-up (2% discount), Lazada Top-up, GCash


GIGA STUDY PRO 999

  • Features: 24 Gigabytes of mobile internet data plus 3GB daily access to Google Classroom, Microsoft Teams, Youtube and others (total of 90GB)
  • Price: ₱999
  • Validity: 30 Days
  • How to register: Dial *123# then choose Pro then select Study then pick 24GB, 30 days, 999 pesos then finally hit Subscribe
  • Avail thru: Shopee Top-up (2% discount), Lazada Top-up, GCash


Smart GIGA STUDY 99

  • Features: 2GB Open Access Data plus 1GB per day for Study specific apps like: Google Classroom, Google Meet, Google Search, Youtube, Microsoft Teams, Microsoft Office 365 (Word, Excel, etc.), and more!
  • Price: ₱99
  • Validity: 7 Days
  • How to register: Register via *123# then select Giga and then Study from the available options or from the Smart App.
  • Avail thru: Shopee Top-up (2% discount), Lazada Top-up, GCash


Smart GIGA STUDY 299

  • Features: 4GB Open Access Data plus 1GB per day for Study specific apps like: Google Classroom, Google Meet, Google Search, Youtube, Microsoft Teams, Microsoft Office 365 (Word, Excel, etc.), and more!
  • Price: ₱299
  • Validity: 30 Days
  • How to register: Register via *123# then select Giga and then Study from the available options or from the Smart App.
  • Avail thru: Shopee Top-up (2% discount), Lazada Top-up, GCash


Smart GIGA STUDY 399

  • Features: 6GB Open Access Data plus 1GB per day for Study specific apps like: Google Classroom, Google Meet, Google Search, Youtube, Microsoft Teams, Microsoft Office 365 (Word, Excel, etc.), and more!
  • Price: ₱399
  • Validity: 30 Days
  • How to register: Register via *123# then select Giga and then Study from the available options or from the Smart App
  • Avail thru: Shopee Top-up (2% discount), Lazada Top-up, GCash


Smart GIGA STUDY 499

  • Features: 8GB Open Access Data plus 1GB per day for Study specific apps like: Google Classroom, Google Meet, Google Search, Youtube, Microsoft Teams, Microsoft Office 365 (Word, Excel, etc.), and more!
  • Price: ₱499
  • Validity: 30 Days
  • How to register: Register via *123# then select Giga and then Study from the available options or from the Smart App.
  • Avail thru: Shopee Top-up (2% discount), Lazada Top-up, GCash


Giga Work 50

  • Features: One GigaByyte data plus One Gigabyte per day for GrabPay, Microsoft 365, Maya, G Suite, Lazada, Cisco Webex Teams, Shopee, WhatsApp, Lalamove, Viber, Grab, Microsoft Teams, Webex Meetings, Google Meet, and Google Chat.
  • Price: ₱ 50
  • Validity: 3 Days
  • How to register: Dial *123# then choose Giga then Work, or select the “Giga” tile in the GigaLife application.
  • Avail thru: Shopee Top-up (2% discount), Lazada Top-up, GCash


Giga Work 99

  • Features: 2 Gigabyte data plus One Gigabyte per day for GrabPay, Microsoft 365, Maya, G Suite, Lazada, Cisco Webex Teams, Shopee, WhatsApp, Lalamove, Viber, Grab, Microsoft Teams, Webex Meetings, Google Meet, and Google Chat.
  • Price: ₱99
  • Validity: 7 Days
  • How to register: Dial *123# then choose Giga then Work, or select the “Giga” tile in the GigaLife application.
  • Avail thru: Shopee Top-up (2% discount), Lazada Top-up, GCash


Giga Work 299

  • Features: Four Gigabyte data plus One Gigabyte per day for GrabPay, Microsoft 365, Maya, G Suite, Lazada, Cisco Webex Teams, Shopee, WhatsApp, Lalamove, Viber, Grab, Microsoft Teams, Webex Meetings, Google Meet, and Google Chat.
  • Price: ₱299
  • Validity: 30 Days
  • How to register: Dial *123# then choose Giga then Work, or select the “Giga” tile in the GigaLife application.
  • Avail thru: Shopee Top-up (2% discount), Lazada Top-up, GCash



Giga Work 399

  • Features: Six Gigabyte data plus One Gigabyte per day for GrabPay, Microsoft 365, Maya, G Suite, Lazada, Cisco Webex Teams, Shopee, WhatsApp, Lalamove, Viber, Grab, Microsoft Teams, Webex Meetings, Google Meet, and Google Chat.
  • Price: ₱399
  • Validity: 30 Days
  • How to register: Dial *123# then choose Giga then Work, or select the “Giga” tile in the GigaLife application.
  • Avail thru: Shopee Top-up (2% discount), Lazada Top-up, GCash


Giga Work 499

  • Features: Eight Gigabyte data plus One Gigabyte per day for GrabPay, Microsoft 365, Maya, G Suite, Lazada, Cisco Webex Teams, Shopee, WhatsApp, Lalamove, Viber, Grab, Microsoft Teams, Webex Meetings, Google Meet, and Google Chat.
  • Price: ₱499
  • Validity: 30 Days
  • How to register: Dial *123# then choose Giga then Work, or select the “Giga” tile in the GigaLife application.
  • Avail thru: Shopee Top-up (2% discount), Lazada Top-up, GCash


GigaWork+ AllNet 100

  • Features: One Gigabyte data plus One gigabyte per day for Microsoft GrabPay, Microsoft 365, Maya, G Suite, Lazada, Cisco Webex Teams, Shopee, WhatsApp, Lalamove, Viber, Grab, Microsoft Teams, Webex Meetings, Google Meet, and Google Chat plus unli allnet calls and texts.
  • Price: ₱100
  • Validity: 3 Days
  • How to register: Dial *123# then choose Giga then Work+ AllNet, or select the “Giga” tile in the GigaLife application.
  • Avail thru: Shopee Top-up (2% discount), Lazada Top-up, GCash


Giga Work+ AllNet 199

  • Features: Two Gigabyte data plus One Gigabyte per day for GrabPay, Microsoft 365, Maya, G Suite, Lazada, Cisco Webex Teams, Shopee, WhatsApp, Lalamove, Viber, Grab, Microsoft Teams, Webex Meetings, Google Meet, and Google Chat plus unlimited allnet calls and texts.
  • Price: ₱199
  • Validity: 7 Days
  • How to register: Dial *123# then choose Giga then Work+ AllNet, or select the “Giga” tile in the GigaLife application.
  • Avail thru: Shopee Top-up (2% discount), Lazada Top-up, GCash


Giga Work+ AllNet 549

  • Features: Four Gigabyte data plus One Gigabyte per day for GrabPay, Microsoft 365, Maya, G Suite, Lazada, Cisco Webex Teams, Shopee, WhatsApp, Lalamove, Viber, Grab, Microsoft Teams, Webex Meetings, Google Meet, and Google Chat plus unlimited allnet calls and texts.
  • Price: ₱549
  • Validity: 30 Days
  • How to register: Dial *123# then choose Giga then Work+ AllNet, or select the “Giga” tile in the Gigalife application.
  • Avail thru: Shopee Top-up (2% discount), Lazada Top-up, GCash


Giga Work+ AllNet 649

  • Features: Six Gigabyte data plus One Gigabyte per day for GrabPay, Microsoft 365, Maya, G Suite, Lazada, Cisco Webex Teams, Shopee, WhatsApp, Lalamove, Viber, Grab, Microsoft Teams, Webex Meetings, Google Meet, and Google Chat plus unlimited allnet calls and texts.
  • Price: ₱649
  • Validity: 30 Days
  • How to register: dial *123# then choose Giga then Work+ AllNet, or select the “Giga” tile in the GigaLife application.
  • Avail thru: Shopee Top-up (2% discount), Lazada Top-up, GCash


Giga Work+ AllNet 749

  • Features: Eight Gigabyte data plus One Gigabyte per day for GrabPay, Microsoft 365, Maya, G Suite, Lazada, Cisco Webex Teams, Shopee, WhatsApp, Lalamove, Viber, Grab, Microsoft Teams, Webex Meetings, Google Meet, and Google Chat plus unli calls and texts.
  • Price: ₱749
  • Validity: 30 Days
  • How to register: Dial *123# then choose Giga then Work+ AllNet, or select the “Giga” tile in the GigaLife application.
  • Avail thru: Shopee Top-up (2% discount), Lazada Top-up, GCash


GIGA WORK PRO 199

  • Features: 6 Gigabytes of mobile internet data plus 3GB daily access to WhatsApp, Microsoft 365, Microsoft Teams and others (total of 21GB)
  • Price: ₱199
  • Validity: 7 Days
  • How to register: Dial *123# then choose Pro then select Work then pick 6GB, 7 days, 199 pesos then finally hit Subscribe
  • Avail thru: Shopee Top-up (2% discount), Lazada Top-up, GCash


GIGA WORK PRO 599

  • Features: 12 Gigabytes of mobile internet data plus 3GB daily access to WhatsApp, Microsoft 365, Microsoft Teams and others (total of 45GB)
  • Price: ₱599
  • Validity: 15 Days
  • How to register: Dial *123# then choose Pro then select Work then pick 12GB, 15 days, 599 pesos then finally hit Subscribe
  • Avail thru: Shopee Top-up (2% discount), Lazada Top-up, GCash


GIGA WORK PRO 999

  • Features: 24 Gigabytes of mobile internet data plus 3GB daily access to WhatsApp, Microsoft 365, Microsoft Teams and others (total of 90GB)
  • Price: ₱999
  • Validity: 30 Days
  • How to register: Dial *123# then choose Pro then select Work then pick 24GB, 30 days, 999 pesos then finally hit Subscribe
  • Avail thru: Shopee Top-up (2% discount), Lazada Top-up, GCash



IMPORTANT NOTE: The rates, contact details and other information indicated in this post are accurate from the time of writing but may change without IMFWJ's notice. Should you know the updated information, please let us know by leaving a message in the comment box below.

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