Ongoing until October 31, 2023

Smart Power Savings: Get up to 11% p.a. on Maya Savings

Exclusive to eligible Smart Postpaid subscribers on Plan 999 and up

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  1. Promo period is from June 9-August 31, 2023 extended to September 1-October 31, 2023 as approved by DTI-FTEB

    The promo is open to eligible Smart Postpaid users 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 11% interest p.a. on their Maya Savings and cashback on their Instapay cash in transaction fee.
    SMS sample:
    Hi <Name>! Get up to a boosted 11% 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 <XXXXXXXXX> under “Smart Postpaid Exclusive” mission
    Step 3: Pay min. of Php 999 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#XXXXXX

  2.  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
    • Step 3: Pay of Php 999 for your Smart Postpaid bill or any other qualified bill Click here for the steps to upgrade your Maya account.
  3. Once the above transactions are completed, the Smart Postpaid user will be able to enjoy the following offers:
    1. Get up to 11% interest per annum on your first Php100,000 on Maya
      • Maya Savings is offered to upgraded Maya Click here for the steps to upgrade your Maya account.
      • Click here for the steps on how to open a Maya Savings
  4. All Maya Savings accountholders can enjoy a base interest rate of 3.5% p.a. on balances up to Php5M. Qualified Smart Postpaid users who will successfully do the qualified spend per interest tier can get to enjoy up to 11% 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:
Clause 4 1Main 10% interest p.a. promo
2Smart Power Savings promo

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.


  1. Please see below sample scenarios on qualification for reference:
Sept-Oct chart
  1. 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 at least Php 1,000 worth of qualified transactions again to qualify for the promo.
  2. Accountholder will be able to see his/her qualification duration for the bonus interest rate on the Savings dashboard or on the Missions screen the same day the qualified transaction was made.

    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.
  3. 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

0

Base Rate

3.5% p.a.

1

Bonus Interest Rate from at least Php 1,500 spend on bills payment or airtime load

0.5%

Smart Power Savings

Bonus Interest Rate from min P999 spend

 

 

Bills payment (qualified billers only)

1%

2

Bonus Interest Rate from Php1,000 accumulate spend

 

 

Accumulated spend using any of the ff features on Maya:

Pay via Maya Card, QR, Pay via Mobile Number, Check out with Maya Within transaction qualification period

1%

3

Bonus Interest Rate from Php10,000 accumulate spend

 

Accumulated spend using any of the ff features on Maya:

Pay via Maya Card, QR, Pay via Mobile Number, Check out with Maya

 

Within transaction qualification period

1%

4

Bonus Interest Rate from Php25,000 accumulate spend

 

Accumulated spend using any of the ff features on Maya:

Pay via Maya Card, QR, Pay via Mobile Number, Check out with Maya

 

Within transaction qualification period

2%

5

Bonus Interest Rate from Php35,000 accumulate spend

 

Accumulated spend using any of the ff features on Maya: Pay via Maya Card, QR, Pay via Mobile Number, Check out with Maya

 

Within transaction qualification period*

2%

 Note: Users who have an active boost until October 31, 2023 will receive their final boosted interest on November 1, 2023. 

  1. For an updated table of our interest rates, check our Maya Savings Terms and Conditions
  2. 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
    16. 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. “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 (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
  10. Only Consumer accounts are qualified for this 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 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-167889 Series of 2023

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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.

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