Promo duration is from Oct. 1-31,2024 as approved by DTI FTEB
This promo is open to all NEW Maya users and Existing Maya Users where each are defined as:
1. New Maya users- those who created & registered their account from Oct.1-31, 2024
2. Existing Maya users- those who have created & registered their account prior to Oct.1, 2024.
  Example: User creates & registers their Maya account on Oct. 1, 2024. They are only considered as a NEW Maya User until Oct. 31, 2024. They will be considered as an existing user beyond Oct. 31, 2024.

New Maya Users

Qualified New Maya users who are Maya Savings accountholders can enjoy a base interest rate of 3.5% p.a. on balances up to P5M, and increase their interest rate further based on the requirement per tier below:

If a Maya Savings accountholder who just opened a Savings account did not complete any of the transactions above on the Maya Wallet, he/she will still be enjoying a 3.5% interest rate p.a. on his/her Maya Savings account.

Please see sample scenario below:

Existing Maya Users

Qualified Existing Maya users who are Maya Savings accountholders can enjoy a base interest rate of 3.5% a. on balances up to P5M, and increase their interest rate further based on the requirement per tier below:

Please see sample scenario below:

In case of (including but not limited to) user-triggered mobile number change, the total amount of qualified accumulated transactions will be reset to zero (Php 0) and the user has to transact at least Php 250 to Php35,250 with fund source Maya Wallet, and Php 3,000 with fund source from Maya Credit, worth of qualified transactions again to qualify for the promo.
Maya Credit transactions made via QR, Pay with Maya, or at the Maya Shop are the only qualified transactions considered for the +1% Php 3,000 spend via Maya Credit.
Accountholder will see on the Savings dashboard their qualification duration for bonus interest rate they are qualified for Maya Savings on the same day of their successful transaction.
An accountholder who qualified within a certain month, will get their bonus interest rate until the last day of the same qualifying month as illustrated below:

Accountholder will be able to see their qualification duration for the bonus interest rate on the Savings dashboard or on the Missions screen

Note: Make sure your app is updated to the latest version so you can track your boosted interest. You can check your Missions anytime to see your progress. For some users, you won't immediately see your Savings interest screen but your bonus interest will still be credited to your account every day after making a qualified transaction.
Your base interest rate and bonus interest rate will be reflected on your transaction history the next day as follows:

Note: Users who have an active boost until last day of the month, will receive their final boosted interest on the first day of the following month.
For an updated table of our interest rates, check our Maya Savings Terms and Conditions
Bills pay transactions made to the following billers are excluded from the promo:
1. “Donation” category billers
2. “Payment Solutions” category billers
3. COL Financial
4. Oriental Assurance Inc
5. Maya Bank / PayMaya Lending Corporation / Maya PayLater
6. Purchase Plus Installment Credit
7. Davao Light and Power Corporation
8. Subic Enerzone Corporation
9. Visayan Electric Company (VECO)
10. Holy Cross Coop
11. 1Sari Financing Corporation
12. AFMPBAI
13. DMCI Homes
14. EVY Developers
15. Jose Rizal University
QR transactions made at the following merchants are excluded from the promo:
1. Maya Business App (formerly called PayMaya Negosyo) merchants
2. “Donation” category merchants
3. “Gambling” category merchants
Maya users with merchant accounts and those under Maya Negosyo and Maya Business Manager (formerly PayMaya Business Manager or PBM) are disqualified from participating in this promo.
Maya payments (Maya number, Maya QR or Maya card) made to Maya Negosyo and Maya Business Manager merchants or sub-merchants are not qualified for the promo.
Maya card (Visa or Mastercard) payments made to the following merchant categories will be excluded from the promo:
1. Financial institutions – 6051
2. Schools – 8220
3. Gambling – 7995
4. Donations/Foundations - 8651, 8661, 8669, 8398
5. Billers – 4900
Payments made to or purchases of cash equivalent instruments, financial institutions, financial assets, insurances, ATM withdrawals, gambling/gaming chips, and other quasi cash transactions are also not qualified for the promo.
Maya payments (Maya number, Maya QR or Maya card) or transactions made to merchants within the crypto space are not qualified for the (e.g PDAX cash-in, other VASPs to be enabled where Maya payments are accepted, etc.)
Videos and photos of participants may be used only for promotional ads related to this
Only Consumer accounts are qualified for this Maya users with Maya merchant accounts and Maya Center agents are disqualified from participating in this promo.
Maya users with duplicate accounts or who are blacklisted cannot participate in this Maya reserves the right to cancel or withdraw the prize or benefit if proven to be a duplicate account or participant is blacklisted.
In case of disputes regarding accountholder's eligibility for the promo, coverage of dates, fulfillment, Maya's decision shall prevail, in concurrence with DTI.
The customer must notify Maya for any complaints regarding the promo. The decision of Maya on the complaint with concurrence of DTI-FTEB shall be considered final. For clarifications and complaints relative to this promo, visit our Help Center. Go to your Profile on the Maya app and select 'Get help.'
Qualified users with uncredited interest rate and/or corresponding interest amount can expect crediting of missing interest rate and/or interest amount at least 14 to 30 days after the promo period ends.

Maya Philippines Inc. & Maya Bank, Inc. is regulated by Bangko Sentral ng Pilipinas (BSP) www.bsp.gov.ph. Deposits are insured by PDIC up to P500,000 per depositor.

DTI Fair Trade Permit No. FTEB-199233 Series of 2024

Deals highlights

Earn up to 8% p.a. interest on your Personal Goals!

Eligibility

Promo duration is from September 4 to December 31, 2025.

If you’ve upgraded your Maya account and have Maya Savings, you areeligible to open a Personal Goal account. Starting September 4, 2025, all newPersonal Goal accounts will follow the new interest-earning mechanics.

Personal Goals created before September 4, 2025 will continue to earn 4%interest p.a. on balances of up to ₱1 million per goal account.

Mechanics

Qualified users must meet the conditions below within the promo period to enjoy higher interest rates:
- Open a Maya Personal Goals account between September 4 to December 31, 2025
- Deposit any amount from ₱0.01 up to ₱100,000.00 per Personal Goal account
- Earn interest based on the tier where your balance falls, with rates ranging from 4% up to 8% p.a.
Users may open and save in up to five (5) Personal Goals accounts within the promo period.
The promo applies exclusively to balances of ₱0.01 up to ₱100,000.00 per Personal Goal account. Any balance beyond ₱100,000.00 will not earn interest.
Boosted interest rates depend on the balance tier as shown below. Interest is earned per tier, based only on the portion of the balance that falls within the range, not on the cumulative balance.

Deposit Tiers & Corresponding Interest:

updatedtieredsavings-table

Interest is calculated daily based on the end-of-day balance and credited monthly to the Personal Goal account every first day of the following month.
If a Personal Goal account is closed before month-end, earned interest will be credited the next banking day to the user’s Maya Savings account.
All qualified Personal Goals are bound by the standard Maya Terms & Conditions.
Personal Goals accounts opened before September 4, 2025 will continue to earn 4% p.a. on balances of up to ₱1,000,000.00.

Per DTI Fair Trade Permit No. FTEB- 234824 Series of 2025

Terms & Conditions

This promo is applicable only to unique and valid Maya Consumer accounts registered under a unique mobile number and mobile device. User will not be eligible to participate in the promo if he/she creates multiple accounts using one mobile device. Maya reserves the right to withdraw and/or expire wrongfully rewarded cashbacks or vouchers regardless of whether claimed or unclaimed by the user.
Maya users with duplicate accounts or who are blacklisted cannot participate in this promo. Maya reserves the right to cancel or withdraw the prize or benefit if proven to be a duplicate account or if the participant is blacklisted.
Maya reserves the right to refuse the awarding of cashback or rewards to accounts that are proven to be invalid or fraudulent (i.e. abuse of system or weakness in the promo to win prizes or receive benefits).
Maya users with merchant accounts and those under Maya Business App (formerly known as PayMaya Negosyo) are disqualified from participating in this promo.
Any reward credited to the qualified user shall be deemed final unless the customer notifies Maya of mistake in crediting, such as, but not limited to, incorrect reward credited or uncredited reward, within 30 calendar days from the end of the promo period.
The customer must notify Maya of any complaints regarding the promo. The decision of Maya on the complaint with concurrence of DTI-FTEB shall be considered final. For clarifications and complaints related to this promo, visit our Help Center. Go to your Profile on the Maya app and select ‘Get Help’.
Maya users who have exceeded their aggregate limits may not receive their prize or cashback on time. The prize or cashback can only be credited the following month or once a user’s account balance is once again within the allowable limits – ₱50,000 for starter accounts and ₱100,000 for upgraded accounts.

Maya Philippines, Inc. and Maya Bank, Inc. are regulated by the Bangko Sentral ng Pilipinas. www.bsp.gov.ph. Deposits are insured by PDIC up to ₱1 million per depositor.

Customer support

For 24/7 assistance, log in to Maya, go to your Profile, and tap ‘Get help.’