Kakao Bank vs Maya Bank.
Kakao Bank (K78/100) and Maya Bank (M50/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Kakao Bank leads Maya Bank 6-0.
| K Kakao Bank №10 · KDIC 78 /100 | M Maya Bank №64 · BSP 50 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 78 /100 | 50 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | Interbank | 2.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank KDIC | Payment inst. BSP |
| Deposit guarantee Per depositor | €50,000,000 KR.KDIC | Safeguarded PH.PDIC |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | Yes | No |
| UX | ||
| Trustpilot Customer score | — | — |
| App store iOS + Android avg | 4.5 ★ iOS 4.6 · And 4.5 | 4.5 ★ iOS 4.5 · And 4.4 |
| Read review → | Read review → | |
Pick Kakao Bank if…
Largest Korean digital bank by user count (~24M). Public on KOSPI since 2021. Deep integration with KakaoTalk messenger — distribution moat. Mini Stock fractional investing is a strong consumer-investing entry point.
Pick Maya Bank if…
Voyager Innovations digital bank arm — Philippines BSP digital banking licence (one of 6). Maya super-app heritage (formerly PayMaya, ~50M wallet users). Strongest super-app distribution among PH digital banks. PDIC cover.
- Best for fees Kakao Bank won 1 of 4
- Best for protection Kakao Bank won 2 of 2
- Best for reach Kakao Bank won 1 of 3
- Best for ux Kakao Bank won 1 of 2
Kakao Bank vs Maya Bank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Kakao Bank better than Maya Bank?
Under our v3 methodology, Kakao Bank leads Maya Bank 6–0 across 12 dimensions. Composite scores: Kakao Bank 78/100 vs Maya Bank 50/100. Kakao Bank is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Kakao Bank or Maya Bank cheaper?
Monthly fee — Kakao Bank: €0; Maya Bank: €0. Card FX markup — Kakao Bank: Interbank; Maya Bank: 2.00%. Kakao Bank wins more fee rows (1 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Kakao Bank or Maya Bank?
Kakao Bank holds a Full bank licence under KDIC; deposit guarantee per depositor: €50,000,000. Maya Bank holds a Payment inst. licence under BSP; deposit guarantee per depositor: Safeguarded. Kakao Bank is the stronger pick on regulatory protection.
Where can I use Kakao Bank and Maya Bank?
Kakao Bank operates in 1 country; Maya Bank operates in 1 country. Check each provider's signup page for the live country list — eligibility depends on residency, not just the licence footprint.
Want a 3- or 4-way comparison?
The dynamic compare picker handles up to four banks. Add this pair plus one or two more and we'll resolve every row.