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Best 12-month time deposit rates in Philippines

Best 12-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 6-month All tenures and amounts

Bank	Rate p.a.	Tenure	Deposit	Details	Link
TonikTime Deposit	3.50%≈ ₱3,500 in 12 months	12 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	0.50%≈ ₱500 in 12 months	12 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%≈ ₱250 in 12 months	12 months	₱100,000 – ₱199,999	Board rate Indicative rate; confirm with branch; Rates gross of 20% withholding tax	Go to bank

Different amount, priority tiers or fresh-funds filter? Open the full comparison.

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.