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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.

Ngân hàng	Max rate p.a.	Base rate	What the top rate needs	Liên kết
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.	Đi đến ngân hàng
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.	Đi đến ngân hàng
GoTyme BankGoalSave	up to 3.00%	–	Interest on money set aside in GoalSave goals in the GoTyme app.	Đi đến ngân hàng

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.