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Best savings account rates in Philippines

The "up to" figure is the bank's own advertised maximum; the base rate is what you earn with no conditions met. Read daily from each bank's website. Last checked 18 Oct 2026, 05:37 UTC.

बैंक	Max rate p.a.	Base rate	What the top rate needs	लिंक
Maya BankTime Deposit Plus	up to 5.50%	3.50%	Guaranteed base rate; the boosted rate is paid when you reach your target amount (at least PHP 5,000) and date. Interest on up to PHP 1 million per account, up to 5 accounts.	बैंक पर जाएँ
TonikTonik Stash	up to 4.50%	1.00%	1% on the Tonik Account; 4% in a Solo Stash; 4.5% in a Group Stash with at least 2 participants.	बैंक पर जाएँ
GoTyme BankGoalSave	up to 3.00%	–	Interest on money set aside in GoalSave goals in the GoTyme app.	बैंक पर जाएँ

Bonus rates usually apply only to part of your balance and only in months you meet every condition. Read the bank's terms before moving money.