Boost your interest up to 15% p.a. when you pay with Maya

1. Promo duration is from September 1-30,2024.
2. 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 1-30, 2024
   2. Existing Maya users - those who have created & registered their account prior to 1, 2024.

      Example: User creates & registers their Maya account on Sept. 1, 2024. They are only considered as a NEW Maya User until October 31, 2024. They will be considered as an existing user beyond Sept. 30, 2024.

      Date of Creation of Maya Account	Considered as New User	Considered as Existing User
      On or between Sept. 1-30,2024	Until Sept. 30,2024	Oct. 1, 2024 onwards

New Maya Users

3. Qualified New Maya users who are Maya Savings accountholders can enjoy a base interest rate of 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: 
   
   

Existing Maya Users

4. 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:
   
   
   
   

   *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:
   
   

1. 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.
2. 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.
3. 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.
4. 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:

   *Qualified Transaction Period
   MONTH	DURATION	Qualified Reward Period
   Month 1	August 1 to 31, 2024	Until August 31, 2024 from the day of qualification
   Month 2	September 1 to 30, 2024	Until September 30, 2024 from the day of qualification

5. 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.

6. Your base interest rate and bonus interest rate will be reflected on your transaction history the next day as follows:

   Interest Rate
   1	Net base interest
   2	Net boosted interest

   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.

7. For an updated table of our interest rates, check our Maya Savings Terms and Conditions 
8. 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
9. 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
10. 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.
11. 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.
12. 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
13. 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.
14. 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.)
15. Videos and photos of participants may be used only for promotional ads related to this
16. Only Consumer accounts are qualified for this Maya users with Maya merchant accounts and Maya Center agents are disqualified from participating in this promo.
17. 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.
18. In case of disputes regarding accountholder's eligibility for the promo, coverage of dates, fulfillment, Maya's decision shall prevail, in concurrence with DTI.
19. 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.' 
20. 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. Terms and conditions apply.

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

1. The promo will run from September 1-30,2024.
2. The promo is open to select upgraded new & existing to Maya users who will buy load via Maya Shop during the indicated promo period.
3. Users who are qualified for the Maya Buy Load challenge are not qualified for this promo.
   1. Maya Buy Load Challenge users will receive the following push notification, and app inbox messaging to inform them of their eligibility for the promo:
      
   2. Learn more about Maya Buy Load Challenge promo here and here
4. Self-load or gifted transactions will qualify for rewards.
5. Qualified users who completes any Airtime load purchase on Maya Shop for a total spend of Php 500 will receive a reward of +2% interest p.a. boosted interest to Maya Savings.
6. Qualified Existing 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:

7. 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 500 with fund source Maya Wallet, worth of qualified Airtime load purchase transactions again to qualify for the promo.
8. 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.
9. 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:

10. 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.

11. For an updated table of our interest rates, check our Maya Savings Terms and Conditions
    
12. This promo is applicable to unique and valid Maya accounts only. Multiple transactions/payments made from the same device using different mobile numbers will not be considered valid.
13. Users with duplicate accounts or who are cannot participate in this promo.
14. Maya reserves the right to refuse the awarding of 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).
15. Maya reserves the right to withdraw rewards to invalid accounts even if the user has already received the cashback or benefit.
16. Should the qualified transaction be cancelled or declined, whether the cancellation is customer- or merchant-initiated, Maya reserves the right to withdraw the rewards equivalent to the cancelled payment transaction, even if the cashback has already been credited. Maya reserves the right to debit any points/cash reward credited from your balance. If your balance is insufficient to cover the amount to be withdrawn at the time of withdrawal, Maya reserves the right to debit the balance not withdrawn when your balance is sufficient.
17. Maya users with merchant accounts and those under Maya Business App are disqualified from participating in this promo.
18. 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
19. Videos and photos of participants may be used only for promotional ads related to this campaign.
20. 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.
21. 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.
22. In case of disputes regarding accountholder's eligibility for the promo, coverage of dates, fulfillment, Maya's decision shall prevail, in concurrence with DTI.

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

DTI Fair Trade Permit No. FTEB-194369 Series of 2024

Annex A: List of Qualified Load SKUs