Savings Account Interest Rates in the Philippines: Full List

Maya Savings. Unconditional base rate is 3% p.a. (Maya states the 3% base, credited daily, starting April 1, 2026). The 15% is a conditional promotional maximum for NEW Maya users only — not the standard rate and not available to every depositor. Maya's new-user offer (promo duration November 1–30, 2026; DTI Fair Trade Permit No. FTEB-252802 Series of 2026; Maya's promo page, checked November 1, 2026): sign up for Maya and upgrade the account in the same calendar month during the promo period, cash in at least ₱1,000 to Maya Wallet, then deposit at least ₱1,000 into Maya Savings to earn up to 15% p.a. (3% base + 12% boost) without spending missions, for one calendar month after qualification (the registration month). Bonus interest applies only to a balance of up to ₱100,000; the excess earns the prevailing base (3% p.a.). Maya users with merchant, Maya Negosyo or Maya Business Manager accounts are not eligible. Existing-user mission boosts are a separate program: Maya published them for October 1–31, 2026 (5% to 12% by mission; 13% and 15% for select users only), its page still shows those October terms and no November continuation, so they are not presented as currently available. Their status is unverified — this is not a statement that they ended or that boosts already earned were cancelled. The new-user promo window ends November 30, 2026; after that the 3% base applies unless Maya publishes new terms. PDIC-insured up to ₱1,000,000 per depositor. Formerly PayMaya. Separate from Maya Personal Goals (a distinct product; see below).

SEPARATE product from Maya Savings — not the Maya Savings account or its missions/boosts. Promo for Personal Goals opened October 1 – December 31, 2026. Eligibility: an upgraded Maya account with Maya Savings. Rates are marginal by ₱20,000 slice — each rate applies only to the portion of the balance within its range, not to the whole balance: 4% p.a. (₱0.01–₱20,000), 4.5% (₱20,000.01–₱40,000), 5% (₱40,000.01–₱60,000), 6.5% (₱60,000.01–₱80,000), 8% (₱80,000.01–₱100,000). The 8% applies only to the ₱80,000.01–₱100,000 slice and is not a permanent or universal rate; a full ₱100,000 goal earns about 5.6% p.a. blended. Interest applies to up to ₱100,000 per Personal Goal — balances above ₱100,000 per goal earn no interest; up to 5 Personal Goals per user within the promo period. Interest is computed daily on the end-of-day balance and credited on the 1st of the following month. The promo period ends December 31, 2026. Maya's page does not state what rate applies after that — check the Maya app. PDIC-insured up to ₱1,000,000 per depositor.

Group savings stash: 3.25% p.a. standard rate on end-of-day balance, or 3.75% p.a. only when the Group Stash owner saves with at least 2 other participants (Tonik's Stash FAQ says all 3 must have contributed at least ₱1). The 3.75% rate therefore needs a group and is conditional; saving alone earns 3.25%. Tonik's rate table gives no clear effective date for the current Stash and Tonik Account rates (its 'effective August 24, 2026' footnote sits after the time-deposit table). PDIC-insured up to ₱1,000,000 per depositor.

Individual stash savings product at 3.25% p.a. on end-of-day balance (Tonik's rate table gives no clear effective date for this rate). PDIC-insured up to ₱1,000,000 per depositor.

Formerly SeaBank Philippines. 3.25% p.a. on balances up to ₱1M; 3.75% p.a. applies only to the portion of the balance above ₱1M, not the whole balance. No maintaining balance; interest credited daily. BSP-regulated digital bank; part of Sea Limited, the parent company of Shopee. PDIC-insured up to ₱1,000,000 per depositor.

GoalSave: 3% p.a. flat, with no minimum balance, spend requirement, or savings limit; up to 5 GoalSaves per depositor. Interest is calculated and accrued daily on the end-of-day balance and credited on the first day of each month. A Gokongwei Group and Tyme Group bank. PDIC-insured up to ₱1,000,000 per depositor.

GSave/UpSave base rate 2.30% p.a. (effective June 1, 2026 for GSave, UpSave, DragonFi Save and CIMB Grow; CIMB Prime accounts moved to the same base on August 1, 2026) — the standard rate shown here. GCash partner bank. Separately, the conditional Earn More promo adds a bonus of up to 1.85% p.a. (up to 4.15% p.a. total) only on the first ₱100,000 of ADB growth — for existing customers, growth in Total ADB versus the previous month; for new-to-bank customers, the ADB (₱1,000 / ₱5,000 / ₱20,000 tiers) deposited and maintained in the month the account is opened. CIMB's terms also require every participant's total ADB across all their CIMB deposit accounts to increase versus the previous month, and the growth must come from customer-initiated cash-ins via InstaPay, PESONet, GCash and/or over-the-counter bank transfers (transfers within or among CIMB accounts and delayed postings do not count); that promo runs through December 31, 2026 (CIMB's promo page, checked November 1, 2026, shows the June 1–30 promo extended until December 31, 2026; promo interest is credited within 14 business days after the promo period ends). CIMB Prime status does not raise the GSave/UpSave base rate, which is the same 2.30% p.a.; only the conditional Earn More bonus lifts the effective rate. PDIC-insured up to ₱1,000,000 per depositor.

BPI Maxi-Saver peso savings account. Available in Debit Card and Passbook variants. Additional 0.125% bonus p.a. if no withdrawal within a month. Interest credited monthly. High ₱2,000,000 opening/maintaining requirement.

Regular savings account at 0.10% p.a. on end-of-day balance (Tonik's rate table gives no clear effective date for this rate). For higher yields, Tonik's Stash products (3.25%; Group Stash 3.75% only with a group) or time deposits (up to 5.0% on the 6-month term, with the ₱10,000 ADB bonus) are stronger. Time deposits are compared on the time-deposit page, not in this savings list.

BPI #SaveUp peso savings (Debit Card). Maintaining balance requirement waived starting July 2023. A ₱5,000 balance is required before the account earns interest.

BPI #MySaveUp peso savings (Debit Card). Maintaining balance requirement waived starting June 2023. A ₱5,000 balance is required before the account earns interest.

BDO Unibank Passbook Savings (not BDO Network Bank). Gross interest 0.0625% p.a. Opening deposit ₱5,000; minimum monthly ADB ₱10,000; a ₱10,000 balance is required to earn interest.

BPI Regular Savings. Gross interest 0.0625% p.a. Opening deposit ₱3,000 and minimum monthly ADB ₱3,000, but a ₱5,000 daily balance is required before the account earns interest. One of the oldest banks in the Philippines.

BPI Jumpstart Savings (Debit Card), which BPI describes as designed for teens aged 10–17 (separate from BPI's Jumpstart account for kids aged 7–17, which has higher requirements). Opening deposit ₱100 and ₱1,000 maintaining balance (waived for one year for accounts opened from March 16, 2012); a ₱2,000 balance is required before the account earns interest.

BPI Saver-Plus peso savings. Opening deposit ₱3,000 and ₱3,000 maintaining balance; a ₱50,000 daily balance is required before the account earns interest.

Metrobank Regular Savings Account with Passbook (verified against the official Metrobank Passbook product page). Gross interest 0.0625% p.a. Opening deposit ₱10,000, minimum maintaining balance ₱10,000, and ₱10,000 required to earn interest. This is the Passbook product — the separate Regular Savings with Debit Card has lower (₱2,000) opening/maintaining requirements; the two must not be mixed.