Smart Postpaid Exclusive: Get up to 7% interest p.a. on Maya Savings!

Promo period is from January 16, 2023 to February 28, 2023
The promo is open to eligible opted-in Smart Postpaid users, subscribed to Plan 999 and up, who are new or existing Maya users with upgraded accounts, who will receive an SMS or email from Smart with a unique code and instructions on how to activate up to 7% interest per annum (p.a.) on their Maya Savings and cashback on their Instapay cash in transaction fee.
SMS sample:
Hi ! Get a boosted 7% interest p.a. on Maya Savings exclusive to Smart Postpaid subscribers! Plus get up to P60 welcome reward for first time users, a FREE Maya card, and more! Just complete these steps after downloading the Maya App via onelink: 

Step 1: Join Maya and upgrade your account 

Step 2: Open a Maya Savings account, go to Missions and use your unique code under “Smart Postpaid Exclusive” mission 

Step 3: Pay min. of P999 for your Smart Postpaid bill or any other bill

Open to existing and new Maya users using a Smart Postpaid account.

T&Cs apply. For more info, visit: smrt.ph/postpaidmaya. DTI#157804
Smart Postpaid users with upgraded Maya accounts must accomplish the following tasks below to qualify for the exclusive promo offers:
- Step 1: Input unique code received from SMART via SMS
- Step 2: Upgrade your Maya account and spend minimum P999 on ANY of the following transactions done on the Maya Wallet within the promo period:
  - Pay via QR
  - Pay a bill in the app
  - Pay via Mobile Number
  - Pay with your Maya Card
  Click here for the steps to upgrade your Maya account.
  1. Start date of the bonus +1% bonus interest rate p.a. for up to Php100K on your Maya Savings account will depend on when user qualifies for the promo.
  2. Users who made a qualified transaction more than 1x within the promo period will get the +1% bonus interest rate p.a. for up to Php100K on your Maya Savings until Feb 28, 2023
  3. Users who have an active +1% bonus interest rate p.a. for up to Php100K until Feb 28, 2023 will receive their final boosted interest of 1% p.a. on Mar. 1, 2023.
Once the above transactions are completed, the Smart Postpaid user will be able to enjoy the following offers:
1. Get up to 7% interest p.a. on your first Php100,000 on Maya Savings.
  - Maya Savings is offered to upgraded Maya Customers. Click here for the steps to upgrade your Maya account.
  - Click here for the steps on how to open a Maya Savings account.
2. Get up to P25 service fee cashback when you cash in at least P1,500 via Instapay to your Maya Wallet (1x per month only).
  - Offer eligibility may take effect within 3-5 business days after the user enters a valid unique code (Step 1) in the Missions page

All Maya Savings accountholders can enjoy a base interest rate of 4.5% p.a. on balances up to P5M. Qualified Smart Postpaid users who will successfully spend min. P999 on ANY of the above-mentioned transactions can get to enjoy up to 7% interest per annum (p.a.) credited daily on up to P100,000 end-of-day deposit balance on their Maya Savings. Please see the breakdown below:

Interest Rate per annum		Crediting schedule	Balance Earning Interest	Minimum spend required	Documentation
Base Interest Rate	4.50%	Next day; from 12:00AM to 09:59AM, PH time under "Interest" section of your Savings transaction history Interest earned Tax withheld	PHP 0.01 - PHP 5,000,000*	Php 0	In-App: Maya Savings Dashboard In-App: Transaction history Statement of account at the end of the month Bank Certificate (upon request via in-app)
BOOSTED INTEREST ON TOP OF BASE INTEREST
Boosted interest rate from promo “Boost your interest up to 6% p.a. for 30 days”	+1.50% for 30 days or until Feb 28, 2023	Boosted interest rate: 1.5% interest p.a. (10:00AM to 11:59PM, PH time) under "Deposits" section of your Savings transaction history Boosted Interest earned Tax withheld Note: Users who have an active boost until Feb 28, 2023 will receive their final boosted interest of 1.5% on Mar. 1, 2023. Note: Start date of the bonus +1% bonus interest will depend on when user qualifies for the promo. Users who have an active boost until Feb 28, 2023 will receive their final boosted interest of 1.0% on Mar. 1, 2023. Learn more at mayabank.ph/6percentboost 157804	PHP 0.01 – PHP 100,000.00	Php 250	n-App: Maya Savings Dashboard In-App: Transaction history Statement of account at the end of the month Bank Certificate (upon request via in-app)
Bonus interest rate from “Exclusive to SMART Postpaid high interest rate offer”	+1.00% until Feb 28, 2023	Boosted interest rate: 1.0% interest p.a. (10:00AM to 11:59PM, PH time) under "Deposits" section of your Savings transaction history Boosted Interest earned Tax withheld Notes: Start date of the bonus +1% bonus interest on your Maya Savings account will depend on when user qualifies for the promo. Users who made a qualified transaction more than 1x within the promo period will get the +1% bonus interest rate for up to Php100K on your Maya Savings until Feb 28, 2023 Users who have an active +1% bonus interest until Feb 28, 2023 will receive their final boosted interest of 1.0% on Mar. 1, 2023	PHP 0.01 – PHP 100,000.00	Php 999	In-App: Transaction history Statement of account at the end of the month Bank Certificate (upon request via in-app)
Total Promo Interest Rate	7%

Any balance of PHP5,000,000.01 and aboeabove will not get any interest.

If the qualified Maya Savings accountholder did not complete any of the transactions above on the Maya Wallet, he/she will still be enjoying a 4.5% interest rate p.a. on his/her Maya Savings account.

Example:

1st qualified transaction = P999
2nd qualified transaction = P100 (will not be carried over to the next cycle, see section 7)
Total Qualified Spend = P999, user qualifies and gets 4.5% p.a. base interest rate + 2.5% p.a. bonus interest rate (1.5% p.a. for 30 days + 1% until Feb 28, 2023), for a total of 7% p.a. interest rate

Please see below sample scenarios on qualification for reference:

Scenario 1: Accountholder qualifies once every 30 days
Scenario 2 Accountholder qualifies on Day 1 and Day 16, user gets additional 15 days, for a total of 45 days (30+15 days)
Scenario 3: Accountholder qualifies mid-month. Accountholder does not need to wait for end of the calendar month
Scenario 4: Accountholder qualifies on Day 1 and Day 38, but did not qualify between Day 31 and Day 37
Scenario 5: User made a qualified transaction of at least Php999 on Day 45 will he get 7% interest p.a. for 30 days? No, he will get 7% interest for 3 days up to Day 46

In case of (including but not limited to) user-triggered mobile number change, the total amount of qualified transactions will be reset to zero (Php 0) and the user has to transact again at least P999 worth of qualified transactions again to qualify for the promo.
Accountholder will see on the Maya Savings dashboard his/her qualification duration for 6% p.a. interest rate for Maya Savings. The additional 1% interest for qualified SMART Postpaid users will be credited by schedule (see section 4) and users will be notified through SMS/in-app comms. Transaction history may show up to 3 interest entries as follows:

For existing users, make sure you are using the latest version of the Maya app to see all transaction entries of your Bonus Interest. Just go to App Store or Google Play, search for Maya, and tap ‘Update.’
For an updated table of our interest rates, check our Maya Savings Terms and Conditions
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
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
Select users eligible for other targeted promos may no longer be eligible for this promo at the discretion of Maya.
Minimum cash in amount is P1,500 to qualify for the cashback voucher. To qualify, follow the following steps:
1. Open your bank app or GCash e-wallet and transfer via InstaPay
2. Choose PayMaya/Maya Wallet and enter your wallet’s mobile number
3. Open Maya to check that you’ve received your money in the app
Cash in amount required is subject to source bank's minimum amount requirement.
Qualified users will receive up to P25 cashback per voucher on their InstaPay fees when they cash in to their Maya e-wallets via InstaPay within the promo duration.
Users may avail of the promo only once (1x) per month during the total promo duration.

The maximum reward users will receive is equivalent to their banks’ or GCash e-wallet's Instapay fee. See fee table below as of August 2022 (InstaPay fees are dictated by partners and may change at their discretion during the promo period. However, only the fees below will be rebated for this promo):

P8.00	Asia United Bank Corporation
P8.00	East West Rural Bank, Inc.
P10.00	Dungganon Bank (A Microfinance Rural Bank), Inc.
	East West Banking Corporation
	Maybank Philippines, Inc.
	Queen City Development Bank, Inc.
	Robinsons Bank Corporation
	Union Bank of the Philippines
P12.00	CARD Bank Inc.
P12.00	China Bank Savings, Inc.
P15.00	AllBank (A Thrift Bank), Inc.
	G-Xchange, Inc.
	Bank of Commerce
	Cebuana Lhuillier Rural Bank, Inc.
	CTBC Bank (Philippines) Corporation
	Equicom Savings Bank, Inc.
	Malayan Bank Savings and Mortgage Bank, Inc.
	Philippine Savings Bank
	StarPay Corporation
	Sterling Bank of Asia, Inc., A Savings Bank
	Wealth Development Bank Corporation
	China Banking Corporation
P20.00	Philippine Bank of Communications
P20.00	Philippine National Bank
P25.00	Bank of the Philippine Islands / BPI Family Bank can also send InstaPay transfer via BPI rail.
	BDO Unibank, Inc.
	BPI Direct BanKO, Inc., A Savings Bank
	Land Bank of the Philippines
	Metropolitan Bank and Trust Company
	Producers Savings Bank Corporation
	Security Bank Corporation
	Rizal Commercial Banking Corporation

The following transactions are not included in the promo and will not be rewarded
1. Transferring of funds to other banks and e-wallets via InstaPay
2. Transferring of funds into the Maya e-wallet via online linked account directly within the Maya app
3. Cashing in via over-the-counter (OTC) channels
4. Cashing in via other e-wallets not included in the list above
Only transactions from banks and GCash e-wallet with existing InstaPay cash in fees will be qualified for the cashback. Transactions from banks with waived fees are not qualified from the promo.
This promo is applicable only to unique and valid Maya Consumer accounts registered under a unique mobile number and mobile device. User will not be eligible to participate in the promo if he/she creates multiple accounts using one mobile device. Maya reserves the right to withdraw and/or expire wrongfully rewarded cashbacks or vouchers regardless if claimed or unclaimed by the user.
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 reserves the right to refuse the awarding of cashback or 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).
Maya reserves the right to withdraw cashback or rewards to invalid accounts even if the user has already received the cashback or benefit.
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 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.
Maya users with merchant accounts and those under Maya Business App (formerly known as PayMaya Negosyo) are disqualified from participating in this promo.
Any reward credited to the qualified user shall be deemed final unless the customer notifies Maya of mistake in crediting, such as, but not limited to: incorrect reward credited or uncredited reward, within 30 calendar days from the end of the promo period.
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, (+632) 8845-7788 or 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 – Php 50,000 for starter accounts and Php 100,000 for upgraded accounts.
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.
Videos and photos of participants may be used only for promotional ads related to this campaign.
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.
In case of disputes regarding accountholder's eligibility for the promo, coverage of dates, fulfillment, Maya's decision shall prevail, in concurrence with DTI.