Ongoing until April 30, 2023

Boost your interest up to 10% p.a. when you pay with Maya

The more you use Maya to pay, the higher the interest rate you can get!

Project Hope_Hope 10%_Deals
  1. Promo duration is from March 7-April 30, 2023, with the transaction period per month (refer to clause #3)

  2. This promo is open to all new and existing Maya Savings accountholders who will do the accumulate spend requirements with ANY of the following transactions done on the Maya Wallet within the promo period:
    1. Pay via QR
    2. Buy Airtime Load
    3. Pay a bill in the app
    4. Pay via Mobile Number
    5. Pay with your Maya Card
  3. All Maya Savings accountholders can enjoy a base interest rate of 4% p.a. on balances up to P5M, and increase their interest rate further based on the spend requirement per tier:
Interest rate table (HB3 only)


*Anything beyond Php100,000 earns 4% 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 4% interest rate p.a. on his/her Maya Savings account.

But if the user just recently opened Maya Savings and transacted a total accumulate spend of Php250 within the month he opened a Savings account, he will get a total of 5% p.a. until March 31, 2023. If the same user transacted again and spent an accumulate of Php30,000 on April 1, he will get a total of 10% p.a. until April 30, 2023.

Example: User made the following transactions within the same month (i.e. March 7 to 31, 2023)
1st qualified transaction on March 7 = Php250 = user qualifies for a total of 5% p.a. (+1% p.a.) from March 7 to 31, 2023
2nd qualified transaction on March 8 = Php750 = user qualifies for a total of 6% p.a. (+1% p.a.) from March 8 to 31, 2023
3rd qualified transaction on March 10 = Php19,000 = user qualifies for a total of 8% p.a. (+2% p.a.) from March 10 to 31, 2023
4th qualified transaction on March 11 = Php10,000 = user qualifies for a total of 10% p.a. (+2% p.a.) from March 11 to 31, 2023
Total / accumulate spend transactions within March 7 to 31, 2023 = Php30,000

Any amount transacted within March 7 to 31, 2023, will fall under the Month 1 accumulate spend
Any amount transacted within April 1 to 30, 2023, will fall under the Month 2 accumulate spend

Please see below sample scenario:

HB3 Clause No 3 Sample Scenario_ Qualification Period

  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 P250 to Php30,000 worth of qualified transactions again to qualify for the promo.
  2. Accountholder will see on the Savings dashboard his/her qualification duration for bonus interest rate he is qualified for Maya Savings on the same day of his/her successful transaction.
    An accountholder who qualified within the month of March, will get his bonus interest rate until March 31, 2023.
    An accountholder who qualified within the month of April, will get his bonus interest rate until April 30, 2023.
  3. Accountholder will be able to see his/her qualification duration for the bonus interest rate on the Savings dashboard or on the Missions screen 


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

Interest Rate

New & Existing Depositors

Reflected As


Base Rate

4% p.a.

1. Base

2. Tax withheld


Bonus Interest Rate from Php250 accumulate spend


1. Bonus

2. Tax withheld


Bonus Interest Rate from Php1,000 accumulate spend



Bonus Interest Rate from Php20,000 accumulate spend



Bonus Interest Rate from Php30,000 accumulate spend


  1. For an updated table of our interest rates, check our Maya Savings Terms and Conditions
  2. Bills pay transactions made at the following billers are excluded from the promo:
    1. “Government” category billers
    2. “Donation” category billers
    3. “Others” category billers
    4. “Payment Solutions” category billers
    5. And other billers prone to promo abuse
  3. 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. “Government” category merchants
    4. “School” category merchants
    5. Gambling” category merchants
  4. 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.
  5. Maya payments (Maya number, Maya QR or Maya card) made to Maya Negosyo and Maya Business Manager merchants or submerchants are not qualified for the promo.
  6. 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.
  7. 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.)
  8. Promo participants must agree to be interviewed and featured in announcements to be made by Maya regarding the promo in any of the following channels: website, social media, print and online media.
  9. Videos and photos of participants may be used only for promotional ads related to this campaign.
  10. 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.
  11. 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.
  12. 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-161325  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

It’s everything and a bank. What more could you need?

For existing PayMaya users, update your app to Maya

Maya App Light Mode Maya App Dark Mode
Return to PayMaya Deals

Check out our Partner Merchants!

About Maya 

Maya is the only end-to-end digital payments ecosystem enabler in the Philippines with platforms and services that cut across consumers, merchants, communities, and government. Through its enterprise business, it is the largest digital payments processor for key industries in the country including "everyday" merchants such as the largest retail, food, gas, and eCommerce merchants, as well as government agencies and units.

No Maya yet? Download it below for free!

Download PayMaya on Google Play
Download PayMaya on App Store
New call-to-action