Overview
This method allows Filipino freelancers to manage their finances efficiently, leveraging the convenience of digital platforms.
Log into Maya: Open the Maya app on your mobile device and log in using your credentials. If you’re new to Maya, you’ll need to sign up and verify your account first.
Check Your Balance: Before initiating a transfer, ensure you have sufficient funds in your Maya account.
Select ': On the app’s main menu, locate and select the ‘Send Money’ feature. Send Money’ Option
Choose Bank Transfer: Among the options provided, select ‘Bank Transfer’ to proceed.
Enter Bank Details: Fill in the recipient’s details, including bank name (Metrobank), account number, and account holder’s name.
Input Amount and Review: Type in the amount you wish to transfer. Review all details to ensure accuracy.
Confirm Transaction: Once you’re confident all details are correct, confirm the transaction.
Receive Confirmation: You will receive a confirmation message or email once the transfer is successful. Keep this for your records. Fees Breakdown (Philippines 2026) Maya charges a competitive fee for bank transfers. As of 2026, the fee stands at PHP 15 per transaction.
Ready to start earning in dollars? Sign up for Payoneer → Ad WiseAd shows its fee and exchange rate before you send.
Detailed Guide
Learning to calculate these costs helps in budgeting better, especially when working with international clients. Best Banks to Use When considering banks for your transactions, it’s important to evaluate their convenience and reliability:
BDO: Known for its extensive network, BDO offers a wide range of services and is ideal for freelancers due to its numerous branches and ATMs.
BPI: Offers excellent mobile banking services, which is crucial for freelancers who are always on the go.
UnionBank: A pioneer in digital banking in the Philippines, UnionBank provides seamless online transactions, making it a top choice for tech-savvy freelancers. If you prefer digital wallets, both GCash and Maya offer great alternatives for managing finances without traditional bank accounts. GCash guide
Verification Issues: Ensure your Maya account is fully verified with accurate personal information. This prevents delays in processing transactions.
Transfer Delays: While transfers usually take 1 to 2 days, any delay beyond this should prompt you to contact Maya support for resolution.
Wrong Details Entered: If incorrect bank details are entered, the transaction may fail. Double-check all information before confirming to avoid this issue.
Network Connectivity: Ensure you have a stable internet connection when making transactions to prevent failures.
Key Points for Filipino Freelancers
- Create strong profiles on Upwork or Fiverr
- Set up Payoneer for receiving USD payments
- Consider BIR registration for tax compliance
- Use Maya or GCash for quick peso withdrawals
- Explore alternatives to OFW work
Open a Wise account
Wise converts at the mid-market rate and shows its fee before you send. See Wise →Ad
Pro Tips
Pro Tip: Most successful Filipino freelancers use Payoneer to receive payments and transfer to Maya or GCash for instant access to their earnings in Philippine Peso. Unlike traditional bank transfers that can be costly, Wise offers a more affordable solution that can save you significant amounts, especially if you’re frequently dealing with clients abroad. While sending money through Maya is convenient, it’s worth considering other options that can save you even more on fees. This makes it an excellent choice for freelancers who want to maximize their earnings. As a freelancer, managing your earnings efficiently is crucial. Using Wise for international transfers can be a game-changer. With transparent fees and real exchange rates, you can avoid the hidden charges that often come with traditional banks.
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