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国家 / 🇵🇭 Philippines

在 Philippines 的最佳 time deposit 利率

来自 4 家供应商的 PHP time deposit 利率，每日直接从各银行网站读取，另有 2 家供应商待检查。按利率排序；无付费排名。

上次检查 18 Oct 2026, 03:42 UTC · 全部 6 家供应商

最佳 3 个月利率

0.375% 年利率

BPI

基准利率 · 最低 ₱50,000

最佳 6 个月利率

0.375% 年利率

BPI

基准利率 · 最低 ₱50,000

最佳 12 个月利率

3.50% 年利率

Tonik

基准利率

针对 ₱100,000 存款的最佳利率，向所有客户开放。促销可能提前结束，请向银行确认。

比较 time deposit 利率

期限
利率类型
选项

3 家银行提供 ₱100,000 的12个月利率

银行年利率期限存款详情链接
TonikTime Deposit3.50%≈ ₱3,500 (12 个月)12 个月未说明基准利率
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
前往银行
BPIPeso Auto Renew Time Deposit0.50%≈ ₱500 (12 个月)12 个月₱50,000 – ₱499,999基准利率
Minimum initial deposit PHP 50,000; Auto-renews at maturity; Rates gross of 20% withholding tax
前往银行
BDO UnibankPeso Time Deposit0.25%≈ ₱250 (12 个月)12 个月₱100,000 – ₱199,999基准利率
Indicative rate; confirm with branch; Rates gross of 20% withholding tax
前往银行

"Fresh funds" 指的是从其他银行转入的资金。Board rates 是基准利率；promos 是限时优惠。 我们如何收集并核查利率.

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: 0.25% at BPI0.25%1 个月2 months: 0.25% at BPI0.25%2 个月3 months: 0.375% at BPI0.375%3 个月6 months: 0.375% at BPI0.375%6 个月9 months: 3.50% at Tonik3.50%9 个月12 months: 3.50% at Tonik3.50%12 个月18 months: 3.50% at Tonik3.50%18 个月24 months: 3.50% at Tonik3.50%24 个月

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

利率上升时发送邮件给我

双重确认：先通过邮件确认。当您的期限和金额的最佳利率上升时发送一封邮件。点击一次即可退订。

存款保障：PDIC

限额₱1,000,000

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

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: 未说明), read from the bank's website at 18 Oct 2026, 03:42 UTC. Promotions change often, so confirm with the bank before you deposit.

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

0.375% p.a. at BPI (minimum deposit: ₱50,000), read from the bank's website at 18 Oct 2026, 03:42 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

我们是比较服务平台，而非银行：我们不接受存款。利率可能随时变动；请在存款前向银行确认。此信息不构成理财建议。