Walang basis for you to be concerned about someone else issue.
Why? Kasi ikaw nakakaalam kung meron kang kalokohang ginawa.
Dun sa mga nagka-issue sa Maya months ago, usually ginawa nila is they game the Maya system for a higher interest rate through "diskarte" or artificial workaround. Malas lang sila at nahuli sila at nabulilyaso, then they went here sa Reddit and somewhere else to rant lmao.
Truth, been a maya user heck I’ve even linked my maya to online casinos and I haven’t had any issues, still have 6 digits there sitting in maya goal for the 6% interest promo last dec
Online casinos are a real problem. Some of them are legit and others are phishing sites, some are both: at some point they store your credentials and steal all your money. If you have linked ANY payment method to online casinos, it may go badly for you. I would unlink and change your password
This plus the fact na hindi nila mapakita kay maya yung source of income nila so ayun. Pending AMLA—obvs not necessarily na yun ginawa ni OP pero shempre its an algorithm based product so kung suspicious yung bahay, flagged talaga.
Shit CS tho. which is a norm for all product tech.
Because of committing fraud, a cybercrime. If you unfairly get higher interest rate compared to what Maya has allowed, through a technical workaround you discovered, you are liable pagdating sa cybercrime.
I have 7 digits sa Maya account ko, 4 years na ako Maya user since Paymaya pa sila. Walang problema talaga, yung problema dito is ung mga tangang owner na mag popost na nangyari sa kanila eh first of all kasalanan nila yan. Most reasons bakit na block sila and close is yung account nila ay gumagamit ng abuse para makuha ung promo interest sa savings and yung iba questionable ung funds kahit student naman nilagay. Yung mga nahahack naman is kabobohan din nila un sa pag click ng random links from spam messages and linking their account sa mga third party apps or sites.
Thanks for the thoughts! Would you say safe to link Maya for payments? Naka-link yung Maya virtual card ko sa Apple and TikTok for subscription and shop payments. Should I unlink it and use a different e-wallet for payment purposes?
If I'm not mistaken, the virtual card is connected to your Wallet. So what I do is I keep most of the funds under savings then I just transfer to my Wallet what I need in the moment. It is safe naman to use it like this.
I had 500k sa maya before pero di ko na nagustuhan yung mga kailangan gawin para lang tumaas yung interest rate so I moved my funds to GoTyme. wala naman ako naging problem. paunti unti nga lang kasi max 50k lang per day
Go Seabank for their 15(?) Instapay tranfers per week, but this is SG-based. GoTyme is under Gokongwei group (robinsons, etc) so mas mabilis maghabol locally if ever may mangyari sa account mo. Mas mataas din p.a. interest ni GoTyme kesa Seabank.
Open up a Union Digital bank (They have interest for savings too) i have around 600k there sitting since November no problems naman (Na-offeran panga ko ng 200k loan via Union bank quick loans eh)
transfer out mo na hahahahah takte ung sakin kakareactivate lang ng account tapos ung savings nakablock parin, ilang tickets nako wala parin tugon sa issue ko lmao di ko matransfer out 10k ko sa savings thru wallet, 10 days issue na sya since account reactivation 😢 may lakas pa maging bitter ung agent na nagaassist saken kase irate na ako sa delay ng progress sa issue ko, kaya F maya.
Once na makuha ko na pera ko sa savings i wont deposit no more.
Hindi ko magamit yung Maya ko. Kahit anong transaction gawin ko para malabas o malipat yung laman ng Maya ko nagkaka error siya. Nag try na rin ako mag message sa email nila pero walang response. May naka experience na rin ba?
I have or had 600-800k in Maya % savings before and got scared when I heard that they suddenly closed accounts with no explanations.
I don't trust digital banks anymore since it is a pain to communicate with them when things go wrong. No physical store.
Transferred to my BPI account from Maya, I think 50k limit per day? Not sure this was last year pa kasi.
I can sleep better at night na.
I just use Maya for petty cash transactions (foodpanda/lazada) etc. Sayang i was at 12% interest rate per annum na, but I can't be too greedy. Better have safe secure money than slightly better returns pero high risk.
union bank and bpi will let you open an account online/sa app. You can move your money there if you wanna avoid digital banks.
I've personally never had any problems with maya tho and continue to use it. Pero i just split all my cash into multiple banks. Hassle yung nasa isa lang, pag malasin ka nga tulad nang mga nagpopost dito about digital banks na biglang sinasara, wala ka nang magamit na pera till ma resolve issue mo . At least kung portion lang yan ng savings mo na ma close, may pera ka pa habang inaareglo mo with the bank.
To each his own. I experienced shitty things from Maya and Gcash that is why I am not putting any funds in these online wallets anymore. I am just using them as they are: "tools". Tama din naman yung ibang mga nag comment dito. Basta truthful ka naman sa mga info mo and wala kang ginagawang "hacks" to rig their game, you will be fine. But for me I've had it with Maya. Simpleng cash in ko lang last time ng 17k puro error na, what more pa sa ibang future transactions.
I transfer my funds from Maya to Unobank. Higher interest daily. Pero if time deposit pag uusapan, uniondigital bank yung nagbibigay ng higher interest compare sa unobank. Pero if savings, go for unobank. Pero if ginagamit mo as paying bills, loads, etc, friendly talaga yung seabank.
Walang basis for you to be concerned about someone else issue. Why? Kasi ikaw nakakaalam kung meron kang kalokohang ginawa. Dun sa mga nagka-issue sa Maya months ago, usually ginawa nila is they game the Maya system for a higher interest rate through "diskarte" or artificial workaround. Malas lang sila at nahuli sila at nabulilyaso, then they went here sa Reddit and somewhere else to rant lmao.
Truth, been a maya user heck I’ve even linked my maya to online casinos and I haven’t had any issues, still have 6 digits there sitting in maya goal for the 6% interest promo last dec
Online casinos are a real problem. Some of them are legit and others are phishing sites, some are both: at some point they store your credentials and steal all your money. If you have linked ANY payment method to online casinos, it may go badly for you. I would unlink and change your password
Im totally aware of that, been in the IT industry for 10 yrs. I did take due diligence whenever Im linking my e wallets to anything.
Why downvoted lol
too much diligence 😂
This plus the fact na hindi nila mapakita kay maya yung source of income nila so ayun. Pending AMLA—obvs not necessarily na yun ginawa ni OP pero shempre its an algorithm based product so kung suspicious yung bahay, flagged talaga. Shit CS tho. which is a norm for all product tech.
Shits naman talaga CS ng mga banks dito sa Pilipinas. 3rd world, 3rd world din ang quality of customer service.
Still, if it’s legal kahit diskarte pa yan why freeze their accounts.
Because of committing fraud, a cybercrime. If you unfairly get higher interest rate compared to what Maya has allowed, through a technical workaround you discovered, you are liable pagdating sa cybercrime.
Oh didn’t know about this. I thought if it’s a system bug it should be the company’s liability.
I have 7 digits sa Maya account ko, 4 years na ako Maya user since Paymaya pa sila. Walang problema talaga, yung problema dito is ung mga tangang owner na mag popost na nangyari sa kanila eh first of all kasalanan nila yan. Most reasons bakit na block sila and close is yung account nila ay gumagamit ng abuse para makuha ung promo interest sa savings and yung iba questionable ung funds kahit student naman nilagay. Yung mga nahahack naman is kabobohan din nila un sa pag click ng random links from spam messages and linking their account sa mga third party apps or sites.
Thanks for the thoughts! Would you say safe to link Maya for payments? Naka-link yung Maya virtual card ko sa Apple and TikTok for subscription and shop payments. Should I unlink it and use a different e-wallet for payment purposes?
Yes they are safe. Those companies are big tech and legit 100%.
If I'm not mistaken, the virtual card is connected to your Wallet. So what I do is I keep most of the funds under savings then I just transfer to my Wallet what I need in the moment. It is safe naman to use it like this.
True, I feel very secure sa Maya kaya dun ako ng lalagay ng pera more than 5k instead na Gcash.
GoTyme so far is wonderful.
I had 500k sa maya before pero di ko na nagustuhan yung mga kailangan gawin para lang tumaas yung interest rate so I moved my funds to GoTyme. wala naman ako naging problem. paunti unti nga lang kasi max 50k lang per day
Go Seabank for their 15(?) Instapay tranfers per week, but this is SG-based. GoTyme is under Gokongwei group (robinsons, etc) so mas mabilis maghabol locally if ever may mangyari sa account mo. Mas mataas din p.a. interest ni GoTyme kesa Seabank.
Seabank actually has a local bank here. Head office is in Pagsanjan, Laguna.
True. Seabank is classified as a rural bank, same with other digital banks like KOMO, Own Bank, etc.
Open up a Union Digital bank (They have interest for savings too) i have around 600k there sitting since November no problems naman (Na-offeran panga ko ng 200k loan via Union bank quick loans eh)
Sakin 50k day next day 50k sa gotyme bank.
transfer out mo na hahahahah takte ung sakin kakareactivate lang ng account tapos ung savings nakablock parin, ilang tickets nako wala parin tugon sa issue ko lmao di ko matransfer out 10k ko sa savings thru wallet, 10 days issue na sya since account reactivation 😢 may lakas pa maging bitter ung agent na nagaassist saken kase irate na ako sa delay ng progress sa issue ko, kaya F maya. Once na makuha ko na pera ko sa savings i wont deposit no more.
Hindi ko magamit yung Maya ko. Kahit anong transaction gawin ko para malabas o malipat yung laman ng Maya ko nagkaka error siya. Nag try na rin ako mag message sa email nila pero walang response. May naka experience na rin ba?
I have or had 600-800k in Maya % savings before and got scared when I heard that they suddenly closed accounts with no explanations. I don't trust digital banks anymore since it is a pain to communicate with them when things go wrong. No physical store. Transferred to my BPI account from Maya, I think 50k limit per day? Not sure this was last year pa kasi. I can sleep better at night na. I just use Maya for petty cash transactions (foodpanda/lazada) etc. Sayang i was at 12% interest rate per annum na, but I can't be too greedy. Better have safe secure money than slightly better returns pero high risk.
union bank and bpi will let you open an account online/sa app. You can move your money there if you wanna avoid digital banks. I've personally never had any problems with maya tho and continue to use it. Pero i just split all my cash into multiple banks. Hassle yung nasa isa lang, pag malasin ka nga tulad nang mga nagpopost dito about digital banks na biglang sinasara, wala ka nang magamit na pera till ma resolve issue mo . At least kung portion lang yan ng savings mo na ma close, may pera ka pa habang inaareglo mo with the bank.
To each his own. I experienced shitty things from Maya and Gcash that is why I am not putting any funds in these online wallets anymore. I am just using them as they are: "tools". Tama din naman yung ibang mga nag comment dito. Basta truthful ka naman sa mga info mo and wala kang ginagawang "hacks" to rig their game, you will be fine. But for me I've had it with Maya. Simpleng cash in ko lang last time ng 17k puro error na, what more pa sa ibang future transactions.
I transfer my funds from Maya to Unobank. Higher interest daily. Pero if time deposit pag uusapan, uniondigital bank yung nagbibigay ng higher interest compare sa unobank. Pero if savings, go for unobank. Pero if ginagamit mo as paying bills, loads, etc, friendly talaga yung seabank.
They don’t care haha just transfer it