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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.



This savings trick is perfect for those who want to make the most of Maya's tiered incentive system without overspending or relying on unclear promos.

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.

Open Maya App

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Breakdown: Up to 15% p.a. for Select* Maya Users

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.




How to Easily Unlock the First 10% Using Lazada (Updated August 2025)

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:


Step-by-Step Lazada Hack



1. Link Your Maya Wallet/Card to Lazada


Go to Lazada > Wallet > Cash In > Cards

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.



Why Lazada?

Cash-in is free, and they offer a 1-time bank transfer out — no fees, no hassle.



GrabPay Variant Still Works Too

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.




Final Notes

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.


More Financial Guides

Yes, the 15% Maya Savings Hack Still Works as of August 1, 2025 — Here's How (Lazada & Grab Edition)


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.



This savings trick is perfect for those who want to make the most of Maya's tiered incentive system without overspending or relying on unclear promos.

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.

Open Maya App

Loading...

Breakdown: Up to 15% p.a. for Select* Maya Users

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.




How to Easily Unlock the First 10% Using Lazada (Updated August 2025)

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:


Step-by-Step Lazada Hack



1. Link Your Maya Wallet/Card to Lazada


Go to Lazada > Wallet > Cash In > Cards

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.



Why Lazada?

Cash-in is free, and they offer a 1-time bank transfer out — no fees, no hassle.



GrabPay Variant Still Works Too

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.




Final Notes

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.


More Financial Guides

Earn Money Lazada Maya Money Personal Tips

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