Get up to 15% p.a. when you move to Maya today! 

1. Promo duration is from November 1 –30, 2024 as approved by DTI-FTEB, with the transaction and reward period considered per month (refer to clause #2 &3 )
2. This promo is open to all NEW Maya users defined as:
   1. New Maya users- those who created & registered their account from November 1, 2024 to November 30, 2024
   2. Existing Maya users- those who have created & registered their account prior to November 1, 2024.
   3. User is only considered as a New Maya user within the same month of their creation of their account.

Example: User creates & registers their Maya account on November 1, 2024. They are only considered as a NEW Maya User until November 30, 2024 They will be considered as existing users beyond November 30, 2024. 

New Maya User

New Maya Users 

3. 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:

*Anything beyond Php100,000 earns 3.5% interest p.a.

*Any balance in excess of Php 5,000,000.00 will not get any interest

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:

4.  New user can enjoy up to 30 days 12% interest p.a. following the below qualification in order:
   1. Sign up to Maya and Upgrade
   2. Open Maya Savings and Deposit (must be done before the Maya wallet spend)
   3. Spend an accumulated ₱500 on Maya wallet (1st 30-day – 12% interest p.a.)
      
      1. Airtime Load OR
      2. Bills Payment OR
      3. Pay via Maya Card OR
      4. Pay via QR OR
      5. Pay via Mobile Number OR                   
   4. For a new user to enjoy another set of 30 days boosted (2nd 30 day – 12% interest p.a.), user must complete #4.c again within their second calendar month.
   5. Reward cut off is every end of calendar month and refreshes every start of the month.
5. User can enjoy a +1% boosted interest p.a. when you spend accumulated Php 3,000 on QR, Checkout and Maya Shop using Maya Easy Credit, +1% when they spend accumulated P3,000 in grad with Maya Online via Wallet and +1% boosted interest p.a. when you spend accumulated Php 100 on TNT load, which will give a total of 15% interest p.a. (maximum interest for the user)
6. Accountholders 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.
7. 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:

8. 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.
9. 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 the last day of the month will receive their final boosted interest on the first day of the following month. 

10. For an updated table of our interest rates, check our Maya Savings Terms and Conditions
11. 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
12. 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
13. 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.
14. 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.
15. 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
16. 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.
17. Maya payments (Maya number, Maya QR or Maya card) or transactions made to merchants within the crypto space are not qualified for the promo. (e.g PDAX cash-in, other VASPs to be enabled where Maya payments are accepted, etc.)
18. Videos and photos of participants may be used only for promotional ads related to this campaign.
19. Only Consumer accounts are qualified for this promo. Maya users with Maya merchant accounts and Maya Center agents are disqualified from participating in this promo.
20. 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 participant is blacklisted.
21. In case of disputes regarding accountholder's eligibility for the promo, coverage of dates, fulfillment, Maya's decision shall prevail, in concurrence with DTI.

DTI Fair Trade Permit No. FTEB-205537 Series of 2023

Deposits are insured by PDIC up to P500,000 per depositor. Maya Bank, Inc. is regulated by the Bangko Sentral ng Pilipinas. Learn more at www.bsp.gov.ph