BigBunny Maya — Limits, Fees & Settlement
Maya is a Philippine payment rail — regulation: Bangko Sentral ng Pilipinas, which covers it in two roles: Electronic Money Issuer and registered Operator of Payment System.
Key facts and contents
- Operator
- Maya Philippines, Inc., which was PayMaya Philippines before and started life as Smart Money
- Regulator
- Bangko Sentral ng Pilipinas, which covers it in two roles: Electronic Money Issuer and registered Operator of Payment System
- Wallet limit
- Monthly limits by tier: Ultimate Users get PHP 5,000,000, Super Users PHP 500,000, Upgraded PHP 100,000 and Basic PHP 50,000
- Per-transaction cap
- At the Upgraded tier, a single send to another Maya user is capped at PHP 20,000 and InstaPay transfers out at PHP 50,000 a day
- Settlement
- instantly on wallet-to-wallet and InstaPay transfers, with PESONet landing within the same banking day
- Figures as of
- 2026-09
This page covers Maya the payment rail. The last section explains why this page deliberately leaves out anything tied to one operator’s cashier.
Maya at a glance
| Field | Value |
|---|---|
| Operated by | Maya Philippines, Inc., which was PayMaya Philippines before and started life as Smart Money |
| Regulated by | Bangko Sentral ng Pilipinas |
| Wallet limit | Monthly limits by tier: Ultimate Users get PHP 5,000,000, Super Users PHP 500,000, Upgraded PHP 100,000 and Basic PHP 50,000 |
| Per-transaction cap | At the Upgraded tier, a single send to another Maya user is capped at PHP 20,000 and InstaPay transfers out at PHP 50,000 a day |
| Settlement | instantly on wallet-to-wallet and InstaPay transfers, with PESONet landing within the same banking day |
| Published fees | According to Maya’s cash-in page, selected partners let users cash in at no charge up to a combined PHP 8,000 a month, after which 2 per cent applies to the excess. The GCash schedule above was read directly, whereas this figure, taken from Maya’s own site, was not re-fetched during verification and so is given less weight. |
Maya states these as MONTHLY wallet limits. GCash’s ceiling is expressed as the balance one may hold at any given time. However frequently the pair is lined up as a comparison, they measure different things, so the comparison carries no meaning.
This page’s figures are point-in-time and were recorded 2026-09. Limits and fees can be revised by payment providers with no notice, so only the provider’s own page is current.
How fast money actually moves
Maya settles instantly on wallet-to-wallet and InstaPay transfers, with PESONet landing within the same banking day. Maya is only the rail, not the casino: before a withdrawal ever reaches Maya, the operator may put it through its own review, and that review is usually where waiting time comes from.
A per-transaction cap of At the Upgraded tier, a single send to another Maya user is capped at PHP 20,000 and InstaPay transfers out at PHP 50,000 a day applies, which is why a larger transfer sometimes has to be split.
What Maya says about gambling transactions
A direct reading of the e-wallet terms and conditions Maya publishes shows a document silent on gambling, whose prohibitions stay general: illegal activity and anti-money-laundering breaches. A restricted transaction in the terms of its separate CREDIT CARD product is ‘illegal gambling or unauthorized game of chance’, and the stated consequence is suspension or cancellation of the card. Maya fell under BSP Memorandum M-2025-029 as well, in August 2025, and in response pulled the gambling and gaming links from inside the app. It matters which product is meant, since a limit in a credit card agreement does not restrict the wallet.
Verification tiers
- Basic — Limits of PHP 50,000 per month for the wallet and PHP 50,000 per day for purchases apply. This tier offers neither bank transfers via InstaPay nor sending to other Maya users
- Upgraded — Three things are required: a video selfie, a valid ID and a verified address. A monthly wallet ceiling of PHP 100,000 comes with a PHP 100,000 daily purchase ceiling; Maya-user sends are held to PHP 20,000 each and PHP 100,000 per day, and InstaPay out to PHP 50,000 per day and PHP 100,000 per month
- Super Users — Daily purchases and sends are each limited to PHP 500,000, as is the wallet over a month. What qualifies an account for this tier is something Maya leaves unpublished
- Ultimate Users — Purchases and sends are each capped at PHP 5,000,000 per day, and the wallet at PHP 5,000,000 per month. What qualifies an account for this tier is something Maya leaves unpublished
The published ceiling of Monthly limits by tier: Ultimate Users get PHP 5,000,000, Super Users PHP 500,000, Upgraded PHP 100,000 and Basic PHP 50,000 applies to the tier stated above, not to every account.
Paying with Maya at BigBunny
- Sign in at BigBunny and open the cashier.
- From the payment methods your account’s cashier lists, choose Maya.
- Make sure the name on your BigBunny account matches the name on your Maya account.
- Confirm the amount only after checking the cashier screen for the minimum, maximum and any fee.
Before the first deposit with any new method, read the cashier screen, which displays the live limits on your account.
FAQ
Does Maya charge fees?
Published fees: According to Maya's cash-in page, selected partners let users cash in at no charge up to a combined PHP 8,000 a month, after which 2 per cent applies to the excess. The GCash schedule above was read directly, whereas this figure, taken from Maya's own site, was not re-fetched during verification and so is given less weight.. Providers revise these without notice.
Who regulates Maya?
Maya — regulation: Bangko Sentral ng Pilipinas, which covers it in two roles: Electronic Money Issuer and registered Operator of Payment System. That covers the rail, not the casino.
How do I pay with Maya at BigBunny?
After you sign in and open the cashier, choose Maya from the methods listed for your account. Before you confirm, check the cashier's limits and make sure the name matches on both accounts.
What is the Maya wallet limit?
Monthly limits by tier: Ultimate Users get PHP 5,000,000, Super Users PHP 500,000, Upgraded PHP 100,000 and Basic PHP 50,000, at the tier the provider states. Lower tiers carry lower ceilings.