If you’re a Maya user hunting for higher savings interest rates, good news: up to 15% p.a. Maya Savings boost is still active as of August 1, 2025 — and yes, the Lazada and Grab «hacks» still work.
Here’s a breakdown of how it works, how you can unlock up to 15%, and a step-by-step guide on using Lazada to do it — hassle-free and cost-effective.
Maya’s tiered interest rates are based on your spending behavior. Here’s the current setup:
Requirement Boosted Interest (on Savings Balance)
- ✅ Base Rate 3.5% p.a. on all balances
- ✅ Spend P35,000 via QRPh / Maya Card +6.5% p.a.
- ✅ Spend P40,000 via Landers Maya Credit Card +3% p.a.
- ✅ Spend P2,000 via Maya Easy Credit +2% p.a.
Total Possible Up to 15% p.a.
Note: Promos and boosted rates are for SELECT users — Maya sometimes targets based on account activity.
One of the simplest and most cost-efficient ways to unlock the 6.5% QRPh/Card Spend boost is through Lazada cash-ins using your Maya Wallet and card. Here’s how:
1. Link Your Maya Wallet/Card to Lazada
Add your Maya Virtual or Physical Card
2. Fund Your Maya Wallet
Make sure your Maya Wallet has at least ₱35,000. This is the spending requirement for the 6.5% interest boost.
3. Start a Cash-In on Lazada
Choose Cash In via Linked Card (your Maya card).
Enter ₱35,000 as the amount.
4. Wait for the Confirmation
Maya will send you an SMS confirmation once the cash-in is successful.
5. Get the 10% Interest
Within a few days, you should see your interest rate jump to 10% (3.5% base + 6.5% QRPh/card boost).
6. Transfer Back to Maya
Use Lazada’s 1-time free bank transfer to move the ₱35,000 back to your Maya Wallet or other e-wallets.
This closes the loop — no actual net spending, but you still unlock the interest.
Cash-in is free, and they offer a 1-time bank transfer out — no fees, no hassle.
Similar steps apply to GrabPay, where you can load funds via your Maya card, then cash out or use them — also counting toward the required spend. However, Lazada remains the preferred option due to ease of transfers and fee-free setup.
This technique works as of August 1, 2025, but Maya may update terms anytime.
These boosts are technically spend-based, so while you’re moving money around, the system counts it as eligible «spend».
Always verify via the Maya app or SMS that your boosts are active.
