Compare the best high-interest savings accounts in the Philippines for 2026. Discover the top digital and traditional banks offers.
Top High-Interest Savings Accounts in the Philippines
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1. Maya Bank Savings
Best For: Highest promotional interest rate
Highlights
- Earn up to 15% interest per annum on qualifying balances and activities
- Base interest starts at 3% p.a.
- No maintaining balance
- Daily interest crediting
- BSP-regulated digital bank with PDIC insurance up to applicable limits
Pros
- One of the highest advertised savings rates in the Philippines
- Easy account opening through the Maya app
- Free fund transfers on qualified transactions
Cons
- Highest rates require meeting specific spending or activity requirements and may only apply to capped balances.
Official Website: https://www.mayabank.ph/savings/
2. Tonik Bank
Best For: Consistent savings and time deposits
Highlights
- Competitive savings interest
- High-yield Time Deposit options
- No maintaining balance
- Goal-based "Stashes" for budgeting
Pros
- Easy-to-use mobile app
- Ideal for emergency funds
- Fully digital banking experience
Official Website: https://tonikbank.com/personal-deposit
3. SeaBank Philippines
Best For: Everyday savings with competitive interest
Highlights
- Competitive interest on savings
- No maintaining balance
- Free transfers within limits
- Fast account opening
Pros
- Popular among online shoppers
- Daily interest computation
- User-friendly mobile app
Official Website: https://www.seabank.ph/
4. GoTyme Bank
Best For: Everyday banking and rewards
Highlights
- Competitive savings interest
- Free debit card
- Earn reward points on purchases
- No maintaining balance
Pros
- Excellent mobile banking experience
- Wide partner network
- Easy cash deposits and withdrawals
Official Website: https://www.gotyme.com.ph/save-and-invest
5. UNO Digital Bank
Best For: Simple digital savings
Highlights
- Up to 3.50% p.a.
- Daily interest crediting
- Free virtual debit card
- No maintaining balance
Official Website: https://www.uno.bank/savings-account/
6. CIMB Bank Philippines
Best For: GCash users
Highlights
- GSave integration
- No maintaining balance
- Free InstaPay transfers
- Competitive promotional interest offers
Pros
- Convenient for GCash users
- Quick digital account opening
Official Website: https://www.cimbbank.com.ph/en/personal/save.html
7. Security Bank Money Builder
Best For: Traditional bank customers
Highlights
- Earn up to 3.25% p.a.
- Bonus interest for no withdrawals
- Access to physical branches nationwide
Official Website: https://www.securitybank.com/personal/accounts/high-interest/money-builder/
Comparison Table
| Bank | Maximum Advertised Interest | Maintaining Balance | Best For |
| Maya Bank | Up to 15% p.a.* | None | Highest promotional rate |
| Tonik Bank | Up to 6.50% p.a. | None | Long-term savers |
| MariBank (formerly SeaBank) | 3.75% p.a. | None | Everyday savings |
| GoTyme Bank | Up to 3.00% p.a. | None | Rewards and daily banking |
| UNO Digital Bank | Up to 3.50% p.a. | None | Digital banking |
| CIMB Bank | Promotional rates available | None | GCash users |
| Security Bank | Up to 3.25% p.a. | ₱10,000 | Traditional banking |
*Maximum advertised rates are typically subject to eligibility requirements, balance caps, or promotional conditions.
How to Choose the Best Savings Account
When comparing Philippine savings accounts, consider:
Interest rate (base and promotional)
Maintaining balance requirements
Transfer fees
ATM access
Mobile banking features
PDIC insurance coverage
Customer service
Ease of opening an account
Why Choose a High-Interest Savings Account?
A high-interest savings account can help you:
Build an emergency fund
Save for a home or car
Grow your travel fund
Prepare for retirement
Earn more than a traditional savings account
Frequently Asked Questions
Are digital banks safe in the Philippines?
Yes. Digital banks licensed by the Bangko Sentral ng Pilipinas (BSP) are regulated, and deposits are generally insured by the Philippine Deposit Insurance Corporation (PDIC) up to the applicable coverage limit.
Which bank offers the highest savings interest?
As of 2026, Maya Bank advertises one of the highest promotional savings rates, but qualifying conditions and balance limits apply.
Which bank is best for beginners?
SeaBank, GoTyme, Maya Bank, Tonik, and CIMB are popular options because they offer digital account opening with little or no maintaining balance requirements.
Final Thoughts
If your priority is maximizing interest, Maya Bank currently offers one of the highest promotional rates in the Philippines. At the same time, Tonik, SeaBank, GoTyme, UNO Digital Bank, and CIMB Bank provide strong alternatives with flexible digital banking features. Traditional banks like Security Bank may appeal to customers who prefer branch access and bonus interest programs. Before opening an account, compare current rates, eligibility requirements, fees, and PDIC coverage to find the option that best fits your savings goals.
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