Make Your Bonus Work Smarter This Holiday Season with Maya

Your 13th-month pay just landed, and suddenly everything feels possible.

That “save for later” shopping cart, the holiday trips you’ve been planning, the upgrades you’ve been eyeing, and that well-deserved treat to yourself, all of it is within reach.

 

But before you go all out, here’s a thought: your bonus isn’t just a reward. It’s a chance to hit reset, get strategic with your finances, and set yourself up for a stronger start in 2026.

Here’s how to make every peso count, powered by Maya, the #1 Digital Bank and Fintech Ecosystem in the Philippines.

1. Give Every Peso a Purpose

Your bonus isn’t just extra cash, it’s a strategy. Start by dividing it into categories so you know exactly where it’s going:

• 50% for bills and responsibilities – cover essentials first.
• 30% for fun – yes, treating yourself is allowed.
• 20% for savings or investments – the part that secures your future.

When spending, do it intentionally. 

Use Maya for bills, gifts, groceries, and holiday outings. 

Bonus: every Maya transaction this season enters you into a chance to become TWINYONARYOS, where you and a friend could each win ₱1 million. 

Using Maya Easy Credit multiplies your entries by five, and referring friends with your @username earns you 10x more entries per successful referral.

2. Park Money for “Future You”

One of the biggest mistakes people make? Letting the bonus vanish into a single account. Instead, give your money a proper home:

Maya Savings: Watch your bonus grow with up to 15% p.a. interest, credited daily. Even a partial deposit gives you a head start on 2026.

Maya Personal Goals: Create up to five goal accounts, think emergencies, travel, home upgrades, big purchases, and long-term plans. Base interest starts at 4% and increases up to 8% as you add funds. No lock-ins, no stress, just organized money that works harder for you.

Time Deposit Plus: Prefer predictable growth? Lock your bonus for 3, 6, or 12 months with guaranteed rates of up to 6% p.a. on deposits up to ₱1 million per account. You can open up to five accounts, making a total of ₱5 million in interest-earning potential. Unlike traditional time deposits, you can continue adding funds even after hitting your target.

These tools make it easy to protect your bonus and help your future self thank you.

3. Build a Safety Net

Life is unpredictable, and emergencies don’t wait for payday. Your bonus is the perfect opportunity to create or boost your emergency fund. Use Maya Savings or a dedicated Personal Goal account for emergencies. And if something unexpected comes up, Maya Easy Credit provides instant access to funds without paperwork or collateral so you don’t have to touch your savings.

Start the year strong by making your bonus more than a fleeting thrill. With Maya, it can be the financial boost that sets you up for lasting security and peace of mind.

For more tips, visit maya.ph or mayabank.ph, and follow @mayaiseverything on Facebook, Instagram, YouTube, and TikTok. Maya Philippines, Inc. and Maya Bank, Inc. are regulated by the Bangko Sentral ng Pilipinas (www.bsp.gov.ph). 

Deposits are insured by PDIC up to ₱1 million per depositor.