Your money,
finally effortless.
Send for ₱0, save on autopilot, and see exactly where every peso goes — all from one friendly app built for how Filipinos really spend.
Bank-grade security · Free to open · No hidden fees
Do more with every peso
Send, save, and spend without switching apps. Tap a feature to see it in action.
Send to anyone, in seconds — for ₱0.
Pay a friend, split the bill, or send load to Lola. Kaya moves money to any Kaya user, bank, or e-wallet instantly, with no fees eating into what you send.
- Free transfers to Kaya, banks & InstaPay
- Split bills and request from the barkada
- Scan-to-pay at 200,000+ stores nationwide
Reach your goals without thinking about it.
Create a Pocket for anything — an emergency fund, a Japan trip, that new phone — and let Kaya round up your spare change and auto-save every payday.
- Earn up to 6% p.a. on your Savings Pocket
- Auto-save on payday, round up spare change
- Withdraw anytime, zero lock-in periods
See where your money really goes.
Every transaction is sorted automatically into clear categories, so you always know what's left before the next payday — no spreadsheets required.
- Auto-categorised spending, updated live
- Weekly insights & budget nudges
- Set limits and get a ping before you overspend
Filipinos are moving money the Kaya way
People who switched aren't going back
"Zero fees when I send to my mom in the province — that alone saved me thousands this year. Ang bilis pa mag-transfer."
"The Pockets feature made saving actually fun. I hit my emergency fund goal in six months without even noticing."
"I finally see where my sahod goes each week. The spending chart is a wake-up call in the best way possible."
Open your Kaya account in 3 minutes
No maintaining balance, no paperwork. Scan the code or grab it from your app store — your money, made light.