Maya Bank's up to 15% savings rate sounds crazy, but here's what you actually need to do

Maya Bank offers the highest headline savings rate at up to 15% per annum, but you need to complete monthly spending missions like bill payments and QR transactions to earn it[1]. Your base rate is 3.5% per annum, and the boosted rates aren't automatic[1]. If you want something simpler with no conditions, Tonik Bank and GoTyme Bank both offer flat rates around 3-4% per annum with no promotional requirements or balance caps[1]. Traditional banks only give you 0.0625% to 0.25% yearly, so digital banks are way better for growing your money[2].