The promo period is from November 1-30, 2024.
This promo is open to all Maya users, with a mobile number from any of the local telco providers (i.e., Smart/Sun Cellular/TNT, Globe/TM, DITO, etc.), who are currently residing in the Philippines.
Users can participate in this promo and get P1 / P10 / P100 / P1000 cashback when they pay P1,000 worth of participating bills on the Maya app. The amount of cashback to qualified users will be randomly rewarded via system.
Valid for first time bill payers. Users can avail of the cashback reward 3x during the promo period.
User must pay P1,000 worth of bills from participating categories. Qualified bills pay transactions for this promo are limited to billers listed under the following payment categories in the app: Water, Electricity, Cable & Internet, Telecoms, Loans, Insurance, Government, Real Estate, Schools, Toll.
Payment transactions must be done within the indicated promo duration and must be subsequently cleared, successful, and posted before the user is credited with the reward.
Qualified users will receive their reward/s through the Maya app. To redeem the cashback voucher, please follow these steps:
1. Open the Maya app and log in to your account.
2. Tap “Vouchers” in the home screen.
3. Select the voucher you want to redeem under “Available” and tap “Claim”.
4. Review the details and amount of the voucher and tap “Claim Now”.
5. You will receive a notification of the voucher redemption in-app and via SMS.
6. Redeemed voucher amount will be reflected in your Maya account balance.
Maya users will receive their cashback rewards within a maximum of 14 business days after the end of the promo period to reconcile and verify user activity with system voucher rewarding.
Unclaimed cashback vouchers will expire within 60 days upon receipt.
This promo is applicable to unique and valid Maya consumer accounts only registered under a unique mobile number and device. User will not be eligible to participate in the promo if he/she creates multiple accounts. Moreover, accounts created, and transactions made outside of the Maya app are not eligible for this promo.
Maya users with merchant accounts and under Maya Business App are disqualified from participating in this promo. Moreover, Maya reserves the right to withdraw rewards or prizes if one person has already received the prize or benefit, even if already issued.
Refunded transactions made through the Maya app will not qualify for this promo. Moreover, splitting the same bill for the same biller and account number into multiple transactions is not allowed and is subject to withdrawal of cashback.
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 a participant is blacklisted.
Maya reserves the right to refuse and withdraw the awarding of rewards or prizes to accounts that are proven to be invalid or fraudulent or a result of gaming (i.e., abuse of the system or weakness in the promo to win prizes or receive benefits).
Should the qualified transaction be cancelled or declined, whether the cancellation is customer- or biller-initiated, Maya reserves the right to withdraw the cashback or reward equivalent to the cancelled payment transaction, even if the cashback or reward 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.
All regular and contractual employees of Maya Philippines, Inc. and its third-party suppliers, Voyager Innovations, Inc. and the MVP Group of Companies, including their relatives up to second degree of consanguinity or affinity are disqualified from joining the promotion.
The customer must notify Maya of any complaints regarding the promo. The decision of Maya on the complaint with the concurrence of DTI FTEB shall be considered final. For clarifications and complaints relative to this promo, please email support@maya.ph
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

DTI Fair Trade Permit No. FTEB-203698 Series of 2024

Deals highlights

The lucky winner will get a chance to win ₱1 million and share another ₱1 million to a successful referral of their choice.
Simply do all of the following in any order:
- Register for the raffle - On the Maya app, go to Missions, select ‘Get a chance to be the first TWINYONARYO!’, and enter the code TWINYONARYO.
- Refer a friend - Get a friend to sign up to Maya using your Maya @username as their invite code and make sure they upgrade their account for the referral to qualify. Each successful referral earns you 10 raffle entries.
- Earn entries - Spend or borrow with Maya to earn 1-5 raffle entries per ₱1,000 transaction. Earn as many raffle entries as you can until January 15, 2026!
See the qualified transactions below:

Qualified Transactions	Entries
Borrow ₱1,000 via Maya Easy Credit or Maya Personal Loan	5
Pay ₱1,000 with Maya Easy Credit	5
Pay ₱1,000 via Maya Card, QR, and Pay with Maya Wallet	1
Pay ₱1,000 via Maya Black Credit Card or Landers Credit Card	1
Buy ₱1,000 load, transport, and more in Maya Shop	1
Pay ₱1,000 to any biller in the app	1
Buy a Maya Wallet Card via Maya app	1
Refer a friend using your @username and get them to upgrade their account	10

Eligibility

All upgraded Maya users can join the promo.

Mechanics

The promo period is from November 12 to January 15, 2026

Users can earn raffle entries when they spend at least ₱1,000 using Maya and refer a friend:

Raffle Entries	Qualified Transactions
5	Pay ₱1,000 via Maya Easy Credit
5	Borrow ₱1,000 via Maya Easy Credit or Maya Personal Loan
1	Pay ₱1,000 via Maya Black Credit Card or Landers Cashback Everywhere Credit Card
1	Pay ₱1,000 via Maya Card, QR, or Pay with Maya Wallet
1	Buy ₱1,000 load, transport, and more in Maya Shop
1	Pay ₱1,000 to any biller in the app
1	Buy a Maya Card via the Maya App
10	Refer a friend using your @username and get them to upgrade their account

One (1) winner will get a chance to win ₱1,000,000 which will be credited directly to their Maya wallet and share another ₱1,000,00 to his/her successful referral of his/her choice
To qualify, users must complete the following steps in any order:
1. Go to the Missions Page in the Maya app and use the code “TWINYONARYO”
2. Start earning 1-5x raffle entries for every minimum spend of ₱1,000 using Maya
3. Refer a friend with your @username and get them to upgrade their account to earn 10x raffle entries
Users will receive an in-app notification that they have joined the raffle
Prizes are subject to a 20% final tax in accordance with the Bureau of Internal Revenue (BIR) regulations. This tax will be automatically deducted from the total prize amount before release.
As required by the Department of Trade and Industry (DTI), prizes exceeding ₱10,000 from all registered contests and promotions must comply with this rule under existing BIR Revenue Regulations, ensuring that the 20% prize tax is properly withheld and remitted to the government.
The raffle draw will be held at 3pm in Paymaya Philippines Inc., 6/F Launchpad Building, Sheridan cor. Reliance, Highway Hills, Mandaluyong City

The raffle draw, which will be with the participation of a DTI representative, and announcement of winners through Maya’s Deals Page (https://www.maya.ph/deals) and via in-app notifications are based on the following schedule:

Registration Date and Time

Raffle Entry Period

Raffle Draw

Announcement of Winners via Website and in-app

Start: November 12, 2025 – 12:00 AM

End: January 15, 2026 – 11:59 PM

November 12 to January 15, 2026

January 23, 2026

On or before February 6, 2026

Winners will receive their rewards directly to their Maya wallet via disbursement from Maya Philippines, Inc on or before February 1, 2026

FAQs

How can I join the promo?

Simply do all of the following in any order:

Register for the raffle - On the Maya app, go to Missions, select ‘Get a chance to be the first TWINYONARYO!’, and enter the code TWINYONARYO.
Refer a friend - Get a friend to sign up to Maya using your Maya @username as their invite code and make sure they upgrade their account for the referral to qualify. Each successful referral earns you 10 raffle entries.
Earn entries - Spend or borrow with Maya to earn 1-5 raffle entries per ₱1,000 transaction. Earn as many raffle entries as you can until January 15, 2026!

Who can join the promo?

All upgraded Maya users can join the promo.

What is the prize?

1 lucky winner will get ₱1,000,000 and share another ₱1,000,000 with their successful referral of choice.

How do I know how many entries I already have?

Every time you make a qualified transaction, you will get notified through the app on how many entries you earned for that transaction. Only posted transactions qualify. Raffle entries may take up to 5 business days to reflect.

Final entries will be consolidated prior to the raffle draw in January 2026

Can I still win if I don't have a referral?

To qualify as a winner, you must successfully refer a friend using your @username and get them to upgrade their account.

Can I still win if I don't register?

To qualify as a winner, you must register through the following steps:

Log in to Maya and go to Missions
Select ‘Get a chance to be the first TWINYONARYO!’
Enter the code TWINYONARYO

You may register anytime from November 12 to January 15, 2026.

How do I refer a friend?

Ask your friend to sign up to Maya and enter your @username as the invite code
Ask them to upgrade their account using 1-2 valid IDs
Earn 10x raffle entries for every successful referral!

Visit https://www.maya.ph/refer to learn more.

How will I know if I won?

The winner will be informed through in-app notifications, phone calls to their Maya-registered mobile numbers, emails, and registered mail sent via a third-party service provider with a tracking mechanism. A Maya representative will contact each winner to verify their identity and provide instructions on how to claim their prize.

How can I upgrade my Maya account?

You can upgrade your Maya account for free right in your Maya app. All you need are 1-2 valid IDs and a quick video selfie. You can visit https://www.maya.ph/upgrade to learn the complete process.

How do I cash in to Maya?

Cash in to Maya via a linked bank account, through over-the-counter partners, or bank transfers. Visit maya.ph/cashin to know more.

How do I borrow from Maya Credit?

Go to the Credit tab on your Maya app and apply for Maya Easy Credit
Check your eligibility and credit limit then tap 'Activate Now'.
You’re all done! Now you can use your Maya Easy Credit to pay bills, buy load, or upgrade your phone.

Visit mayabank.ph/credit for details. Approval and offer are subject to evaluation. Terms and conditions apply.

How can I apply for Maya Personal Loan?

Go to the Loans tab and tap Apply now
Enter your desired loan amount and complete the application process
Review your loan offer and tap Accept if you’re happy with the terms

Visit https://www.mayabank.ph/personal-loan/ for more info. Terms and conditions apply.

How do I apply for a Maya Black Credit Card or Maya Landers Cashback Everywhere Credit Card?

Go to the Maya app and select the Cards tab
Select Maya Black or Landers Cashback Everywhere
Complete the application process by providing your information
Submit your application and wait for approval

Visit https://www.mayabank.ph/creditcard/ for details. Application is subject to credit evaluation. Terms and conditions apply.

How can I purchase a physical Maya Card?

Go to the Maya app and select the Cards tab
Select Maya Pink Glitter Edition, Maya Mastercard, or Maya Visa
Enter your delivery address and tap ‘Add username’ to personalize your card
Pay for your order using your Maya Wallet or Maya Easy Credit

Terms & Conditions

General Terms and Conditions

Users can earn multiple raffle entries instantly once the transaction is successful and posted during the promo period.
The raffle promo does not cover any additional expenses made by the winner related to the event (i.e. travel, food, etc.) outside of the prizes stated above.
Credit card approval and offer are subject to credit evaluation. Users with access may apply directly via the Maya app. Terms and conditions apply.
To order a Maya Wallet Card in the Maya app, just go to the Cards tab and tap ‘Maya Visa’, ‘Maya Mastercard’, or ‘Maya Pink Glitter Edition’ under Cards. Terms and conditions apply.
All winners will be notified through in-app notifications, phone calls to their Maya-registered mobile numbers, emails, and registered mail sent via a third-party service provider with a tracking mechanism. A Maya representative will contact each winner to verify their identity and provide instructions on how to claim their prize.
Winners must respond to the notification by emailing winner@maya.ph with the following details for identity verification:
1. Two (2) government valid IDs
2. Maya-registered mobile number
3. Address
Maya will reach out to the winners on the steps to claim their prizes.
The raffle prizes are non-transferable, non-cumulative, cannot be exchanged for cash or other products, and cannot be used in conjunction with any other discounts, promotions, discounted items and fixed price items, unless otherwise stated.
Prizes not claimed within sixty (60) working days upon receipt of registered mail notification shall be forfeited in favor of Maya, upon prior approval from DTI.
Maya payments (via Maya number, Maya QR, or Maya card) made to Donation Billers, E-Sabong, Schools, other apps with wallet or e-wallet capabilities (such as, but not limited to, Lazada, ShopeePay, etc.), and Government merchants are not qualified for the promo.
Failure to comply with any of the requirements or the terms and conditions will have a winner forfeit their winnings with prior approval from the DTI.
Upon prior approval from the DTI, Maya reserves the right to declare forfeiture of prize in the event that the winner fails to claim the prize within the allotted period of redemption.
In case of disputes regarding customer’s eligibility for the promo, coverage of dates, and fulfillment, Maya’s decision shall prevail, upon prior approval from the DTI.
Maya Philippines Inc. and Maya Bank Inc. are the sole controller and processor of all personal information of participants under this Promotion. Promotion participants agree to solely rely on the Maya Data Privacy policy in connection with the personal data they provide for participation in this promotion. The Maya Data Privacy Statement can be found at https://www.maya.ph/privacy
All regular and contractual employees of Maya Philippines, Inc., Maya Bank, Inc. and the MVP Group of Companies, including their relatives up to second degree of consanguinity or affinity are disqualified from joining the promotion.
Former employees of Maya Philippines, Inc., Maya Bank, Inc. and the MVP Group of Companies, whose last day of employment under these companies falls within 730 days from promo start date are disqualified from joining the promotion.
The winning transaction must be valid. Should the qualified transaction be cancelled, reversed or declined on or before the draw, whether the cancellation is customer- or biller/merchant-initiated, Maya reserves the right to withdraw the raffle entry equivalent to the cancelled transaction, even if the raffle entry has already been credited.
Maya reserves the right to refuse the awarding of rewards or prizes to accounts that are proven to be invalid or fraudulent or a result of gaming (i.e. abuse of system or weakness in the promo to win prizes or receive benefits).
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.
Maya users with merchant accounts and those under Maya Business are disqualified from participating in this promo.
For inquiries and feedback, you may call the Maya 24-Hour Customer Service Hotline at (+632) 8845-7788 or e-mail support@maya.ph. Maya Philippines, Inc. is regulated by the Bangko Sentral ng Pilipinas. www.bsp.gov.ph