Maya Savings already offers a competitive base interest rate of 3% per annum. But did you know there’s a simple trick that can push that all the way to 10% p.a.?
Yes, you read that right: 10%. And it only costs you ₱15 a month to do it.
This is what many Maya users call the Lazada hack, and it has been quietly helping Filipinos earn more from their savings without doing anything complicated.
Here’s everything you need to know.
What Is the Maya Savings Interest Boost?
Maya Savings gives you a base interest rate of 3% p.a. just for keeping money in your account. That’s already higher than most traditional banks.
But Maya also has a boost system, a way to earn extra interest on top of the base rate by hitting a monthly spend or cash-in target.
If you cash in ₱35,000 in a month, you unlock a +7% interest boost, which brings your total rate to 10% p.a.
The catch? Most people don’t spend ₱35,000 a month just through Maya. That’s where the Lazada hack comes in.
How the Lazada Hack Works
The idea is simple: instead of actually spending ₱35,000, you route the money through Lazada to count toward the spend requirement, then pull it back out.
No actual purchases needed. No net loss of money. Just a ₱15 withdrawal fee to close the loop.
Here’s the step-by-step process:
Step 1: Make Sure You Have ₱35,000 in Your Maya Wallet
The cash-in will come from your Maya Wallet, so make sure the funds are ready before you begin.
Step 2: Open the Lazada App
Go to the LazWallet or LazFin section inside the Lazada app.
Step 3: Cash In ₱35,000 to Your Lazada Wallet
Transfer ₱35,000 from your Maya Wallet to your Lazada Wallet. This transaction counts as a valid spend toward Maya’s boost requirement.
Step 4: Wait for the Boost to Reflect in Maya
Within a few minutes, check your Maya Savings. You should see the interest rate jump to 10% p.a. You can also verify it through the Maya app.
Step 5: Withdraw from Lazada Back to Maya (₱15 Fee)
Once the boost is active, transfer your ₱35,000 from Lazada back to your Maya Wallet or preferred e-wallet. Lazada charges a ₱15 fee for this transfer.
That’s it. You’ve unlocked 10% interest and your money is back where it belongs.
How Much Can You Actually Earn?
The 10% interest applies to a maximum of ₱100,000 in your Maya Savings account.
Here’s a quick look at how the numbers play out:
| Maya Savings Balance | Monthly Interest at 10% p.a. |
|---|---|
| ₱10,000 | ~₱83 |
| ₱50,000 | ~₱417 |
| ₱100,000 | ~₱833 |
After subtracting the ₱15 Lazada fee, your net earnings are still very significant, especially if you’re keeping ₱50,000 or more in your account.
Important Things to Remember
It resets every month. The boost is not permanent. You need to repeat the Lazada cash-in every month to keep the 10% rate going. It’s best to do this at the start of the month so you earn the boosted rate for the full 30 days.
The ₱15 fee is unavoidable. Lazada charges ₱15 every time you transfer out to a bank or e-wallet. Plan for this cost, though at ₱15 a month, it’s a very small price to pay for the additional interest.
The boost applies to up to ₱100,000 only. Any amount above ₱100,000 earns only the base 3% rate.
Maya may update its terms at any time. This hack has been working consistently as of 2026, but always verify through the Maya app that your boost is active each month.
Check that the cash-in qualifies. Always confirm in the Maya app that the Lazada transaction registered as valid spend toward the boost. If the boost doesn’t appear after a few days, check your transaction history.
Is This Legit?
Yes. There’s nothing shady about this.
Maya’s boost system is designed to reward active users who spend through the platform. Cashing in to Lazada counts as a valid transaction under Maya’s system. You’re not bypassing anything. You’re simply using the reward structure the way it was set up.
The ₱15 transfer fee is the only real cost, and the extra interest far outweighs it.
Blogger’s Corner
If you’re already keeping money in Maya Savings, this hack is one of the easiest ways to maximize your returns.
The math is straightforward: spend ₱15 a month, unlock 7% extra interest, and earn significantly more on your savings compared to just leaving it at the 3% base rate.
At 10% p.a. on up to ₱100,000, Maya Savings with the Lazada boost is one of the highest-yielding savings options available to Filipinos right now, and it takes less than five minutes to set up each month.
Just remember to do it at the start of every month, set a reminder if needed, and always check the Maya app to confirm that your boost is active.
Disclaimer: Interest rates and platform terms may change. Always verify current rates and mechanics through the official Maya app before proceeding.