In the event you’re a Maya person attempting to find greater financial savings rates of interest, excellent news: as much as 15% p.a. Maya Financial savings enhance remains to be lively as of August 1, 2025 — and sure, the Lazada and Seize “hacks” nonetheless work.
This financial savings trick is ideal for many who wish to take advantage of Maya’s tiered incentive system with out overspending or counting on unclear promos.
This is a breakdown of the way it works, how one can unlock as much as 15%, and a step-by-step information on utilizing Lazada to do it — hassle-free and cost-effective.
Maya’s tiered rates of interest are based mostly in your spending conduct. Right here’s the present setup:
Requirement Boosted Curiosity (on Financial savings Stability)
- ✅ Base Fee 3.5% p.a. on all balances
- ✅ Spend P35,000 by way of QRPh / Maya Card +6.5% p.a.
- ✅ Spend P40,000 by way of Landers Maya Credit score Card +3% p.a.
- ✅ Spend P2,000 by way of Maya Simple Credit score +2% p.a.
Complete Doable As much as 15% p.a.
Observe: Promos and boosted charges are for SELECT customers — Maya generally targets based mostly on account exercise.
One of many easiest and most cost-efficient methods to unlock the 6.5% QRPh/Card Spend enhance is thru Lazada cash-ins utilizing your Maya Pockets and card. This is how:
1. Hyperlink Your Maya Pockets/Card to Lazada
Add your Maya Digital or Bodily Card
2. Fund Your Maya Pockets
Ensure that your Maya Pockets has a minimum of ₱35,000. That is the spending requirement for the 6.5% curiosity enhance.
3. Begin a Money-In on Lazada
Select Money In by way of Linked Card (your Maya card).
Enter ₱35,000 as the quantity.
4. Look ahead to the Affirmation
Maya will ship you an SMS affirmation as soon as the cash-in is profitable.
5. Get the ten% Curiosity
Inside a number of days, you need to see your rate of interest leap to 10% (3.5% base + 6.5% QRPh/card enhance).
6. Switch Again to Maya
Use Lazada’s 1-time free financial institution switch to maneuver the ₱35,000 again to your Maya Pockets or different e-wallets.
This closes the loop — no precise internet spending, however you continue to unlock the curiosity.
Money-in is free, they usually provide a 1-time financial institution switch out — no charges, no trouble.
Related steps apply to GrabPay, the place you may load funds by way of your Maya card, then money out or use them — additionally counting towards the required spend. Nonetheless, Lazada stays the popular possibility on account of ease of transfers and fee-free setup.
This system works as of August 1, 2025, however Maya might replace phrases anytime.
These boosts are technically spend-based, so whilst you’re transferring cash round, the system counts it as eligible “spend”.
At all times confirm by way of the Maya app or SMS that your boosts are lively.
