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Best 6-month time deposit rates in Philippines

Best 6-month rate per provider for a ₱100,000 deposit, open to any customer, read from each bank's website. Last checked 18 Oct 2026, 05:37 UTC.

3-month 12-month All tenures and amounts

Bank	Rate p.a.	Tenure	Deposit	Details	Link
MetrobankOnline Time Deposit	4.50%≈ ₱2,250 in 6 months	6 months	₱10,000 – ₱999,999	Board rate Via Online; Opened via Metrobank Online / app; Rates gross of 20% withholding tax	Go to bank
TonikTime Deposit	4.00%≈ ₱2,000 in 6 months	6 months	Not stated	Board rate Base rate shown; an extra 1% p.a. is paid at maturity only if you keep at least PHP 10,000 ADB in your Tonik Savings Account every month	Go to bank
BPIPeso Auto Renew Time Deposit	0.375%≈ ₱188 in 6 months	6 months	₱50,000 – ₱499,999	Board rate Minimum initial deposit PHP 50,000; Auto-renews at maturity; Rates gross of 20% withholding tax	Go to bank
BDO UnibankPeso Time Deposit	0.25%≈ ₱125 in 6 months	6 months	₱100,000 – ₱199,999	Board rate Indicative rate; confirm with branch; Rates gross of 20% withholding tax	Go to bank

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Deposit protection: PDIC

Limit₱1,000,000

Effective 15 March 2025, PDIC insures deposits up to PHP 1 million per depositor, per bank (raised from PHP 500,000). Source, checked 2026-10-18.

We're a comparison service, not a bank: we don't take deposits. Rates change without notice; verify with the bank before you deposit. Not financial advice.