Best Digital Bank Interest Rates in the Philippines
Where to park your savings for the highest return — ranked by the everyday rate you actually earn, not the marketing headline. Table reviewed June 2026; each bank shows its own last-checked date below.
Note: links go to each provider's official site. We don't currently earn a commission from them, and rankings are ordered on the merits, not on payouts.
- Best no-conditions rate: Tonik Solo Stash — 4.00% p.a., flat.
- Highest headline rate: Maya — “up to 15%”, but heavily conditional (first ₱100k, needs promos/credit-card spend).
- Simplest: GoTyme Go Save — flat 3%, fully liquid, no missions.
- All are BSP-licensed and PDIC-insured (up to ₱1,000,000 per depositor).
up to 4.50% with conditions*
Solo Stash pays a flat 4% with no conditions or caps. Group Stash pays 4.5% when 3+ people save together. (The everyday Tonik Account itself earns only 1%.)
- Highest no-conditions everyday rate
- Time deposit up to 5.50% p.a.
- As of June 2026 · confidence: high
3.5% p.a. everyday on end-of-day balances from ₱5,000 up to ₱4.99M, with no spend requirement (only 3% below ₱5,000). Time deposits reach up to ~5.75%.
- Strong everyday rate with no conditions
- Time deposit up to 5.75% p.a.
- As of July 2026 · confidence: high
up to 3.75% with conditions*
Inverted tiers: 3.25% on the first ₱1M, and 3.75% only on the portion above ₱1M — so most savers earn 3.25%. No maintaining balance; daily interest. (Rebranded from SeaBank.)
- Simple flat rate for ordinary balances
- As of July 2026 · confidence: high
up to 15.00% with conditions*
Base 3% (3.5% on balances over ₱100k). The headline 'up to 15%' is a promotional boost on the first ₱100k that requires credit-card approval/spend or deposit missions, and promo windows change monthly. Personal Goals offers up to 8% (tiered).
- Highest headline rate (if you meet the promo conditions)
- Time deposit up to 6.00% p.a.
- As of June 2026 · confidence: high
up to 3.25% with conditions*
3% standard, stepping up to 3.25% only on balances of ₱5M and above. Conservative, backed by UnionBank.
- Backing of a large universal bank
- Time deposit up to 3.15% p.a.
- As of June 2026 · confidence: medium
Flat 3% with no tiers, caps, or missions — fully liquid. (Cut from 3.5% effective January 2026.)
- Simplicity — one flat rate, no conditions
- As of July 2026 · confidence: high
up to 4.15% with conditions*
Base 2.3% (cut from 2.6% in June 2026). Up to ~4.15% requires monthly balance-growth promos on the first ₱100k. Often accessed through GCash (GSave). Time deposits up to ~4%.
- Convenience via GCash
- Time deposit up to 4.00% p.a.
- As of June 2026 · confidence: high
*Conditional rates require promos, credit-card spend, group savers, or a large balance — see each bank's notes. Everyday rate is what an ordinary saver earns with no conditions.
Base rate vs “up to” rate — read this first
Digital banks compete on eye-catching “up to X%” headlines, but those almost always come with strings attached: a promo window, a credit-card requirement, a group of savers, or a cap so the boosted rate only applies to part of your balance. The number that matters for most people is the everyday base rate — what you earn just by keeping money in the account. That's how we've ranked the list above.
How to choose
- Want the best simple return? Tonik's Solo Stash (4%) and GoTyme's Go Save (3%, fully liquid) are clean, no-condition options.
- Willing to work for it? Maya and CIMB can pay more if you meet their promo/credit-card conditions — worth it only if you'll actually qualify.
- Saving a lump sum you won't touch? Compare time-deposit rates (UNO up to ~5.75%, Tonik up to ~5.5%) instead of savings.
- Prefer a big-bank parent? UnionDigital (UnionBank) and MariBank (Sea/Shopee) trade some yield for scale.
Are digital banks safe?
Every bank here is licensed and supervised by the Bangko Sentral ng Pilipinas (BSP) and is a member of the Philippine Deposit Insurance Corporation (PDIC), which insures deposits up to ₱1,000,000 per depositor, per bank (raised from ₱500,000 in 2025). Spreading large savings across banks keeps everything insured.
Once you know how much you can set aside each month, the Take-Home Pay Calculator helps you budget from your net salary, and the compound interest calculator shows how it grows. Spending on a card too? See the best cashback credit cards.
Table reviewed June 2026; each bank's own last-checked date is shown above. Digital-bank rates change often — always confirm the current rate in the bank's own app before depositing. Figures researched and cross-checked against each bank's official pages and recent 2026 sources; this is informational, not financial advice. See our guides for how salary deductions work.