Maya Bank interest rates

• Base rate of 3% p.a. on your whole balance.
• Bonus interest can lift the rate to as high as 15% p.a., but only on up to ₱100,000 of your balance.
• Maya says you earn the bonus by using Maya for everyday payments, growing your balance and using more Maya features.
• No minimum balance. You need an upgraded Maya account (one valid ID).

Interest added daily · Checked 19 Oct 2026 on the bank's page (opens in a new tab)

• The rate depends on each goal's balance, up to ₱100,000 per goal. Anything above ₱100,000 in a goal earns no interest.
• Up to 5 goals at a time, each set for up to 180 days.
• Maya lists the up-to-8% rates as a deal running until 31 December 2026.

Interest added monthly · Checked 19 Oct 2026 on the bank's page (opens in a new tab)

• Starts at a guaranteed 3.5% p.a. and rises to 5.5% p.a. when you reach your target amount and date.
• Earns interest on up to ₱1 million per account. Anything above that earns nothing.
• Up to 5 accounts at a time. The boosted rate needs a target of at least ₱5,000.
• No minimum balance; top up any time until you reach the target. Maya says minimal cancellation fees apply.
• These rates apply to accounts opened from 1 October 2026.

Interest added monthly · Effective 1 October 2026 · Checked 19 Oct 2026 on the bank's page (opens in a new tab)