Countries / 🇵🇭 Philippines

Best time deposit rates in Philippines

PHP time deposit rates from 4 providers, read directly from each bank's website every day, plus 2 more providers to check. Sorted by rate; no paid rankings.

Last checked 18 Oct 2026, 05:37 UTC · all 6 providers · savings account

Best 3-month rate

0.375% p.a.

BPI

Board rate · min ₱50,000

Best 6-month rate

4.50% p.a.

Metrobank

Board rate · min ₱10,000

Best 12-month rate

3.50% p.a.

Tonik

Board rate

Best rate for a ₱100,000 deposit, open to any customer. Promotions can end early; confirm with the bank.

Compare time deposit rates

Tenure
Rate type
Options

3 banks with a 12-month rate for ₱100,000

BankRate p.a.TenureDepositDetailsLink
TonikTime Deposit3.50%≈ ₱3,500 in 12 months12 monthsNot statedBoard 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 Deposit0.50%≈ ₱500 in 12 months12 months₱50,000 – ₱499,999Board rate
Minimum initial deposit PHP 50,000; Auto-renews at maturity; Rates gross of 20% withholding tax
Go to bank
BDO UnibankPeso Time Deposit0.25%≈ ₱250 in 12 months12 months₱100,000 – ₱199,999Board rate
Indicative rate; confirm with branch; Rates gross of 20% withholding tax
Go to bank

"Fresh funds" means money brought in from another bank. Board rates are standing rates; promos are time-limited. How we collect and check rates.

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-month2 months: 4.50% at Metrobank4.50%2-month3 months: 0.375% at BPI0.375%3-month6 months: 4.50% at Metrobank4.50%6-month9 months: 3.50% at Tonik3.50%9-month12 months: 3.50% at Tonik3.50%12-month18 months: 3.50% at Tonik3.50%18-month24 months: 3.50% at Tonik3.50%24-month

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

Get an email when rates rise

Double opt-in: confirm by email first. One email when the best rate for your term and amount goes up. Unsubscribe in one click.

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.

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: Not stated), 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

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.