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Negara / 🇵🇭 Philippines

Suku bunga time deposit terbaik di Philippines

Suku bunga PHP time deposit dari 4 penyedia, dibaca langsung dari situs web masing‑masing bank setiap hari, plus 2 penyedia lagi untuk dicek. Diurutkan berdasarkan suku bunga; tidak ada peringkat berbayar.

Terakhir diperiksa 18 Oct 2026, 05:37 UTC · semua 6 penyedia · savings account

Suku bunga 3-bulan terbaik

0.375% p.a.

BPI

Suku bunga papan · min ₱50,000

Suku bunga 6-bulan terbaik

4.50% p.a.

Metrobank

Suku bunga papan · min ₱10,000

Suku bunga 12-bulan terbaik

3.50% p.a.

Tonik

Suku bunga papan

Suku bunga terbaik untuk deposito ₱100,000, terbuka untuk semua nasabah. Promosi dapat berakhir lebih awal; konfirmasi dengan bank.

Bandingkan suku bunga time deposit

Jangka waktu
Jenis suku bunga
Opsi

3 bank dengan suku bunga 12 bulan untuk ₱100,000

BankSuku bunga p.a.Jangka waktuSetoranDetailTautan
TonikTime Deposit3.50%≈ ₱3,500 in 12 months12 bulanTidak disebutkanSuku bunga papan
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
Ke bank
BPIPeso Auto Renew Time Deposit0.50%≈ ₱500 in 12 months12 bulan₱50,000 – ₱499,999Suku bunga papan
Minimum initial deposit PHP 50,000; Auto-renews at maturity; Rates gross of 20% withholding tax
Ke bank
BDO UnibankPeso Time Deposit0.25%≈ ₱250 in 12 months12 bulan₱100,000 – ₱199,999Suku bunga papan
Indicative rate; confirm with branch; Rates gross of 20% withholding tax
Ke bank

"Fresh funds" berarti uang yang dipindahkan dari bank lain. Suku bunga papan adalah suku tetap; promo bersifat terbatas waktu. Cara kami mengumpulkan dan memeriksa suku bunga.

How is this list ordered?

By rate, highest first, for the amount and term you chose. Where a bank publishes its own blended effective rate we use that. Each bank appears once with its best matching offer unless you tick "Show every rate". Banks cannot pay to change the order.

Plan your deposit

Best rate by term

1 months: 4.50% at Metrobank4.50%1-bulan2 months: 4.50% at Metrobank4.50%2-bulan3 months: 0.375% at BPI0.375%3-bulan6 months: 4.50% at Metrobank4.50%6-bulan9 months: 3.50% at Tonik3.50%9-bulan12 months: 3.50% at Tonik3.50%12-bulan18 months: 3.50% at Tonik3.50%18-bulan24 months: 3.50% at Tonik3.50%24-bulan

Best rate open to any customer for ₱100,000 at each term, from today's verified offers. Hover a point for the bank.

Dapatkan email saat suku bunga naik

Double opt-in: konfirmasi lewat email terlebih dahulu. Satu email ketika suku bunga terbaik untuk jangka waktu dan jumlah Anda naik. Berhenti berlangganan dengan satu klik.

Perlindungan deposit: PDIC

Batas₱1,000,000

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

Where does your money earn most in Philippines?

Best 12-month time deposit (Tonik)3.50%
Best savings account (Maya Bank)5.50%

Best 12-month deposit and best savings rate open to any customer, next to the official benchmark. Savings rates are variable and often conditional.

Questions about deposits in Philippines

What is the best 12-month time deposit rate in Philippines today?

3.50% p.a. at Tonik (minimum deposit: Tidak disebutkan), read from the bank's website at 18 Oct 2026, 05:37 UTC. Promotions change often, so confirm with the bank before you deposit.

What is the best 6-month time deposit rate in Philippines today?

4.50% p.a. at Metrobank (minimum deposit: ₱10,000), read from the bank's website at 18 Oct 2026, 05:37 UTC. Promotions change often, so confirm with the bank before you deposit.

Are time deposits in Philippines protected?

Effective 15 March 2025, PDIC insures deposits up to PHP 1 million per depositor, per bank (raised from PHP 500,000).

How many banks do you compare in Philippines?

We list 6 providers. Rates for 4 of them are read automatically from their own websites every day; for the rest we link to the bank's official rate page and never show a number we have not read.

Deposit rates in nearby countries

🇮🇳 India🇨🇳 China🇮🇩 Indonesia🇵🇰 Pakistan🇧🇩 Bangladesh🇯🇵 Japan🇻🇳 Vietnam🇹🇭 Thailand

Add this rate table to your website

Copy this code into your page. The table updates daily and links back to each bank's page here.

Missing a bank? Suggest one

Kami adalah layanan perbandingan, bukan bank: kami tidak menerima setoran. Suku bunga dapat berubah tanpa pemberitahuan; verifikasi dengan bank sebelum Anda menyetorkan dana. Bukan nasihat keuangan.