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

Apply and get approved for a Maya Personal Loan with 12 or 18-month terms for Last Installment free

Eligibility

Select Maya Personal Loan users who receive the targeted SMS notification within the promo period

Mechanics

The campaign period starts from July 14 to August 15, 2025 Maya users with an upgraded, KYC-verified wallet who (i) have no past-due loans and (ii) receive the official SMS blast may participate in the campaign if they receive the following
Coverage: Philippines;
Channels: Maya app & SMS
1. Sample SMS copy: You're eligible for a Maya Loan promo! Apply in-app with a minimum loan amount of P40,000 and loan tenor of 12 or 18 months and get your last installment free. T&Cs apply
2. Users who do not receive the SMS above from MayaLoans are not eligible to receive rewards from the campaign.
Eligible users can qualify for a reward upon completion of the following criteria:
1. Receive their last installment as an incentive
  1. User must apply for a Maya Personal Loan in the Maya app
  2. User must be approved and accept the loan offer with a minimum loan amount of ₱40,000 and a 12 or 18-month tenor on or before August 15, 2025
Users who fully repay their loan in advance – full repayment of the loan within 95% or earlier in terms of installment tenor, are ineligible for this promo
1. Example: For a 12-month loan, if a user fully repays within the 11th month, or for an 18-month loan, within the 17th month, they will not be eligible for the promo, as this is before 95% of the loan term. To qualify, users must complete all 12 or 18 monthly payments as scheduled.
Eligible users will be credited for their respective reward incentive following the cut-off schedule below:

For loans with 12-month tenor
Availment Period	Repayment Cut-off	Reward Disbursement
July 14 – 31, 2025	July 14 – 31, 2026	August 10, 2026
August 1 – 15, 2025	August 1 – 15, 2026	August 21, 2026

For loans with 18-month tenor
Availment Period	Repayment Cut-off	Reward Disbursement
July 14 – 31, 2025	January 14 – 31, 2027	February 8, 2027
August 1 – 15, 2025	February 1 – 15, 2027	February 19, 2027

FAQs

Eligible users can only be rewarded once during the campaign period. Thus, eligible users will be unable to participate in the promo twice, even upon completion of the first loan. 
Eligible users participating in the campaign should follow these steps: 
1. Receive SMS or in-app notification to apply 
2. Once notification is received, go to the “Loans” tab 
3. Apply for Maya Personal Loan and accept the loan offer (approval is subject to credit evaluation) 
4. Pay for all monthly installments on or before the due date  
 The reward will be credited to the qualified user’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, Eligible users 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:

Users with Maya merchant accounts and those using the Maya Business app are disqualified from participating in this campaign.
This campaign is open 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 are later found to have violated such terms, are not eligible to participate. Maya reserves the right to cancel or withdraw any prize or benefit if the participant is found to have a duplicate account or is blacklisted per above terms.
Those who are suspected of or are found 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.
f 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 or 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 received 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.
The customer must notify Maya and/or Maya Bank of any complaints regarding the campaign. The decision of Maya and/or Maya Bank on the complaint, with the 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).

DTI Fair Trade Permit No. FTEB-231465 Series of 2025