Refer family or friends to Maya Personal Loan to get rewards

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

Get up to P1,500 reward when you refer your family and friends to Maya Personal Loan using your code!

Eligibility

Select Maya Personal Loan Users

Mechanics

Campaign period will run from January 20 to March 31, 2025. 
Select Maya Personal Loan users (Referrers) may participate in the campaign if they receive the following SMS spiel:  
1. “Get up to ₱1,500 reward when you refer your family and friends to Maya Personal Loan using your code! Approval of referred users is subject to credit evaluation. For more details, visit the Maya app.”  
  
  Users who do not receive the spiel from Maya are not eligible to receive rewards from the campaign. 
Referrers may refer new and existing Maya users who have not applied for a Maya Personal Loan. Referrers may refer up to a maximum of three (3) people to use the referral code in applying for a Maya Personal Loan. 
Referral code will be invalid if used more than three (3) times, or until March 31, 2025, whichever comes first. 
Referrers can qualify for a reward upon completion of the following criteria: 
1. Receive an initial ₱150 for each referral that successfully activates a Maya Personal Loan 
  1. User must apply for a Maya Personal Loan in the Maya app 
  2. Referred users must be approved for a minimum loan amount of ₱30,000 
  3. Referred users must be approved and accept the loan offer on or before April 7, 2025 
2. Receive the remaining ₱350 for each referral that completes their first installment 
  1. User must pay for their first loan installment on or before the due date 
Referrer’s reward per successful referral is capped at ₱500. Referrer’s total reward is capped at ₱1,500. 
Referees participating in the campaign should follow these steps: 
1. Open the Maya app and tap “Missions” in the home screen 
2. Scroll and look for “Maya Personal Loan MGM” 
3. Enter the unique referral code provided by the Referrer 
4. Once entered, go to the “Loans” tab 
5. Apply for Maya Personal Loan and accept the loan offer (approval is subject to credit evaluation) 
6. Pay for the first installment on or before the due date

FAQs

Referrers are highly encouraged to share their unique referral codes with family and friends only. In the case that a Referrer is found to have shared the codes on large community platforms (i.e. online groups), Maya Bank shall have the right to deactivate the referral code and lock their Maya Personal Loan accounts. 
The reward will be credited to the qualified Referrer’s Maya app in the form of a voucher up to forty (40) business days after the end of the campaign period for validation of loan repayment. To redeem the voucher, Referrers should follow these steps: 
1. Open the Maya app and tap “Vouchers” in the home screen 
2. Users select the voucher they want to redeem under “Available” and tap “Claim” 
3. Review the details and amount of the voucher and tap “Claim Now” 
4. User will receive a notification of the voucher redemption in-app and via SMS 
5. Redeemed voucher amount will be reflected in the Maya Wallet account balance

Terms & Conditions

Maya is fully responsible for the operation of the Maya App, and the management and fulfillment of prizes under this promotion. Accordingly, the following disqualifications and limitations shall apply:

Maya users with merchant accounts and those under Maya Business app are disqualified in participating in this campaign.
The campaign is valid to unique, valid and verified Maya accounts only. Maya and/or Maya Bank account holders who are blacklisted due to a violation of any Maya and/or Maya Bank campaign, or who has violated or is subsequently found to be in violation of any of the terms and conditions of Maya and/or Maya Bank are not qualified to participate in this campaign. 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.
Those who are suspected of or are found out to be abusing the Maya and/or Maya Bank system or is suspected of committing fraudulent acts to abuse the system are also not qualified to participate in the campaign or receive rewards.
If a prize or benefit has already been awarded and the violation or fraudulent activity is discovered after being awarded, Maya and/or Maya Bank shall have the right to claw back the reward given.
Maya and/or Maya Bank reserves the right to refuse and withdraw the awarding of rewards to accounts that are proven to be invalid or fraudulent or a result of gaming (i.e. abuse of system or weakness in the campaign to win prizes or receive benefits).
The cashback reward will be disbursed to qualified users using their Maya-registered number.
The cashback reward receive by a qualified user shall be deemed final unless the customer files a complaint within thirty (30) days from the receipt of the prize or reward.
Maya and/or Maya Bank 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: P50,000 for starter accounts and P100,000 for upgraded accounts.
In case of dispute, Maya reserves the right to act and decide on such dispute. Maya’s decision over the dispute shall be considered final.
The customer must notify Maya and/or Maya Bank for any complaints regarding the campaign. The decision of Maya and/or Maya Bank 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”. 
Maya Philippines Inc and Maya Bank are regulated by the Bangko Sentral ng Pilipinas (www.bsp.gov.ph).