A simple estimate for daily interest is: (balance × annual_rate) ÷ 365. The actual posted credit may vary based on terms, tiers, and qualifying activity.
If you are on a boosted tier, the boosted portion typically applies only to the eligible balance cap, while the rest earns base or lower tiers.
For accurate results, use the rate and cap shown in your Maya app for the current period and your current eligibility.
PayMaya is now Maya. Maya Bank offers a digital savings account inside the Maya app.
Maya Savings has a base interest rate around 3.5% per annum, and interest is typically credited daily.
- You can unlock boosted interest rates by doing everyday transactions in Maya, such as paying bills, buying load, using QR Ph payments, or shopping with your Maya card.
- Boosted rates can go up to 15% per annum, and the highest boost commonly applies to the first PHP 100,000 of your savings balance.
- Other products in the app include Personal Goals (up to 8% per annum on eligible balances) and Time Deposit Plus (up to 6% per annum, depending on offers and terms).
- This guide is for general information. Always verify the latest rates and requirements inside your Maya app.
- Explore the other pages in the navigation for related topics.
Maya Interest Calculation Guide
Maya Savings interest is commonly presented as an annual rate (p.a.) but credited daily, which means your earnings accumulate day by day.
A simple estimate for daily interest is: (balance × annual_rate) ÷ 365. The actual posted credit may vary based on terms, tiers, and qualifying activity.