MariBank trims free transfers

New 50-transfer monthly cap replaces weekly scheme.

MariBank will now offer 50 free transfers per month starting June 1, a step down from its previous structure of 15 free transfers per week, which worked out to roughly 60 transfers a month.

The digital bank, which shares a parent company with Shopee, announced the change on May 26.

Users can still make fee-free InstaPay and PESONet transfers to other banks and e-wallets, but under the revised monthly cap of 50 transactions.

The earlier setup allowed 15 free transfers per week, effectively giving users a higher monthly allowance but tied to a weekly reset cycle.

MariBank said the adjustment is intended to give users more flexibility by removing the need to track weekly cut-offs and resets.

However, the change is drawing attention online, with netizens pointing out a familiar pattern across digital banks: early-stage perks gradually being scaled back as platforms mature. Many fintech players initially leaned on aggressive incentives, including free transfers and attractive yields, made possible by lower operating costs compared to traditional banks.

The steady pullback suggests that digital banks may now be transitioning toward more measured, sustainable business models, rather than growth-driven promotional strategies.