As more entrepreneurs in the Philippines move away from traditional banking, their expectations for digital business banking services are also evolving. Digital banking is no longer just about online access or convenience. It’s now about having access to smart tools, seamless integration, and real support tailored to how businesses actually operate.
The shift is clear: modern Filipino business owners want a digital bank that acts as a strategic partner, not just a service provider. So, what exactly are they looking for? Let’s explore five essential features today’s business owners demand from their digital banking partner and why Maya is uniquely positioned to meet those needs through Maya Business solutions.
1. High-Yield Savings and Other Perks
Modern SME business banking is not just about storing money, it’s about growing it. Business owners, in particular, now expect their digital banks to support financial growth by offering competitive interest rates and low-to-no fees.
Fortunately, with solutions like Maya Business Deposit, business owners can enjoy up to 2.5% interest p.a.—that’s 20 to 25 times more than what traditional banks typically offer. Even better, you don’t need a minimum balance to enjoy this rate for your business. That means extra income doesn't just sit idle. It fuels reinvestment, buffers cash flow, and strengthens working capital.
Moreover, if you set Maya Business Deposit as your settlement account, you’ll also unlock perks like a one-month merchant discount rate (MDR) incentive and free PESONet and InstaPay transfers. Whether you’re paying a partner or receiving revenue, the process is fast, transparent, and reliable.
Plus, this way, Maya Business Deposit can serve as your single operating account for settlements, transfers, payroll, and more—streamlining your finances from day one. This deposit account is just one facet of a larger ecosystem of banking and payment services that all work in seamlessly. For example, Maya Business also offers Maya Invoice Payments, enabling you to send professional invoices to your clients via email and allowing you to accept payments even if you don’t have an e-commerce website. Your earnings are credited directly to your Maya Deposit account. Clients can pay you faster, and you spend less time chasing payments. That’s not just convenience, it’s cash flow optimization. For businesses with working e-commerce websites, on the other hand, there’s Maya Checkout, a payment gateway that makes it easy to process credit card, debit card, e-wallet, and QR Ph payments.
2. Real-Time Financial Visibility with Smart Dashboards
Clarity is power, especially when you're making decisions that affect daily operations and long-term growth. However, one of the downsides of traditional banking is the lack of immediate insight. Your bank may offer an online app, but when you log in and see numbers, you still walk away uncertain.
This is where digital banks have transformed small business banking online. For example, Maya’s customizable Business Manager dashboard offers a comprehensive, real-time overview of your financial health. You'll instantly see cash inflows and outflows, allowing you to spot trends, anticipate shortages, and identify if you need to apply for a Maya Flexi Loan—all without crunching spreadsheets. With this level of transparency, you can manage your cash flow with precision. You’re not just monitoring your money; you’re mastering it.
3. Flexible Tools That Scale with Your Business
No two businesses grow the same way. Some scale rapidly through expansion; others stay lean and focused. Regardless of the path, digital banking tools must keep up. Maya offers the flexibility you need. A perfect example is the Maya Business Deposit’s bulk payment feature. It’s ideal if you’re managing multiple suppliers. Need to pay 10 or 30 vendors at once? Done. In minutes. Hours of manual effort avoided.
But it doesn't stop there. Maya Business Deposit also works seamlessly as a payroll solution, perfect for paying employees on time, every time. Whether you're running payroll for a small team or a growing workforce, the same payment functionality makes it easy to disburse salaries in just a few clicks. No more juggling spreadsheets or dealing with multiple transfers. Just fast, secure payouts that help keep your business running smoothly.
4. Security Without Sacrificing Speed
Security is a top concern, especially in fully digital environments. But safety doesn’t have to come at the cost of speed or usability. Maya ensures every transaction is protected through secure logins, real-time fraud detection, and customizable user roles like maker, checker, and approver. This is especially valuable for SMEs with growing teams. You get accountability without complexity.
Crucially, this security should be built into an intuitive system that won’t slow you down. Whether you're scheduling payments or managing team permissions, the platform should adapt to how your business works. In a world where trust is everything, your digital bank should give you peace of mind while keeping operations fluid and efficient.
5. Human Support When It Matters
Even with the most sophisticated platforms, support matters. Business owners want reassurance that if something goes wrong, or if they simply need guidance, help is readily available. Again, Maya provides what you need. We have multiple support channels, including in-app chat, email, and phone, staffed by knowledgeable teams who offer real solutions, not automated replies. But beyond troubleshooting, Maya also invests in your success through resource libraries, how-to guides, and tutorials that help you maximize every feature. Because we know good support empowers users. It builds trust, fosters loyalty, and turns customers into long-term partners.
Choose a Digital Bank That Works the Way You Do
At the end of the day, Filipino entrepreneurs are no longer satisfied with banks that just hold their money. They’re looking for a digital partner that enhances how they run their business, from profitability and planning to protection and support.
If you’re exploring options for your business, sign up for Maya Business to enjoy the benefits of a digital bank that fits into your daily operations and growth goals.
Setting up a Maya Business account lets you open a Maya Business Deposit account and use it as your settlement account. With an industry-leading 2.5% per annum interest rate, you’ll earn PHP 25,000 in interest per year on a PHP 1 million deposit. Furthermore, you’ll be able to send money to your partners and suppliers for free via InstaPay and PESONet, letting you save more.
Signing up also qualifies you for a no-collateral Maya Flexi Loan offer of up to PHP 2 million in just 3 months, allowing you to have another funding source to further develop your business. Just use Maya as your primary processor for all wallet and card payments. The more you use our solutions, the better the loan offer will be.
Sign up for Maya Business today to enjoy the benefits of Maya Business solutions.
