The Direct Answer
Maya is the strongest option if you already use its missions and spending flow. GoTyme is the cleaner no-conditions choice. Tonik is the best middle ground if you want a simple stash with a slightly higher flat rate.
Rate and condition comparison
| Bank | Rate style | Conditions | Best for |
|---|---|---|---|
| Maya | Highest upside | Monthly spend and Easy Credit activity | Users already active inside the app |
| GoTyme | Flat, simple rate | No monthly missions | Savers who want low friction |
| Tonik | Flat, higher than basic digital-bank rates | No monthly missions on Solo Stash | Users who want a clean stash with a slightly better yield |
Which saver each bank fits
- Maya if you already spend through Maya and can keep the behavior consistent.
- GoTyme if you want the simplest possible setup and do not want to track missions.
- Tonik if you want a flat rate that is easy to understand and maintain.
Make the comparison useful
Run your own balance through the calculator
Use the live rate desk and calculator to confirm the better choice for your actual balance.
Decision matrix
If you already use Maya every month, Maya can win.
If you want the least hassle, GoTyme usually wins.
If you want a middle ground between simplicity and yield, Tonik is often the best fit.
Frequently asked questions
Which bank wins for passive savers?
GoTyme or Tonik are usually easier to keep because neither depends on monthly mission behavior.
Why does Maya still show up first in so many searches?
Because the headline rate is high. The better question is whether you can keep the requirements going every month.
Should I split money across all three?
Yes, if you have different jobs for each account. One can be for spending, one for passive savings, and one for a locked goal.