2025 Guide to Digital Banks in the Philippines with Competitive Interest Rates
Digital banks have become the go-to for many Filipinos who want a simple way to save, earn decent interest, and manage money from their phone. If you are looking to grow your emergency fund or stash money for a big goal, digital banks often give higher interest rates than traditional brick-and-mortar accounts. In 2025, several players stand out for competitive base rates and time deposit promos.
In this guide, we compare the most popular digital banks in the Philippines, show their current interest rates and promos, and explain what type of saver each bank suits best.
Read on to find the best option for your saving style and balance, and don’t forget to double-check the bank’s promo terms before you move money.
What to expect from digital banks in 2025
Digital banks usually offer higher base interest or attractive time deposit rates because they have lower operating costs. Expect a mix of steady base rates and time-limited promo boosts. Some banks give step-up rates or boosted promo rates if you meet certain conditions. Always check minimums, promo dates, and whether interest is credited daily or monthly.
Digital banks and their interest rates
Below are the major digital banks Filipinos use, along with their typical rates and notable 2025 promos.
SeaBank or MariBank
- SeaBank and other digital entrants often publish tiered rates; for example community posts and announcements in 2025 showed SeaBank offering 3.5% p.a. up to certain balance caps. Because some updates are announced on social pages or via partner apps, always confirm on the official bank page or app for exact caps and effective dates.
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Tonik Bank
- Tonik solo stash and similar products around 4% p.a.; end-of-day balance for basic accounts may be lower.
- Why choose Tonik: higher fixed-term rates if you can lock funds, easy stash features for goal-based saving.
CIMB Bank (including GSave by CIMB)
- GSave (GCash x CIMB): commonly listed at around 2.6% p.a. for GSave balances.
- Promos: CIMB has run periodic high-interest promo campaigns in 2025 that boost eligible deposit yields up to double-digit rates for promo periods (example: up to 10% p.a. or higher in limited promotions). These are time-limited and have qualifying criteria.
- Why choose CIMB: stable partner for GSave users and strong promo series for short windows if you meet promo requirements.
Maya Bank
- Maya Savings interest around 3.5% p.a., credited daily.
- Promos: Maya also runs Personal Goals offers that may raise effective yields for limited amounts or periods.
- Why choose Maya: integrated app ecosystem for payments plus decent base yields and goal accounts.
GoTyme Bank
- Go Save: effective interest around 3.5% p.a.
- Why choose GoTyme: straightforward savings product, low fuss, good for everyday savers.
UNO Digital Bank
- UNO lists a step-up structure commonly 3.0% gross p.a. for low balances and 3.5% for balances from ₱5,000 up to lower millions; promo windows have offered boosted daily interest rates.
- Promos: UNO has run “quadruple your daily interest” or other campaign promos; check terms for dates and eligibility.
- Why choose UNO: competitive step-up structure for mid-sized savers and frequent promos.
Digital Bank Savings Interest Rates in the Philippines in 2025: Quick Comparison
| Digital Bank | Interest Rate (p.a.) |
|---|---|
| Tonik Bank | 4% p.a. (solo stash / group stash vary). |
| SeaBank / MariBank | Up to 3.5% p.a. for balances up to ₱1,000,000 |
| Maya Bank | 3.5% p.a. |
| GSave by CIMB (via GCash) | 2.6% p.a. |
| GoTyme Bank (Go Save) | 3.5% p.a. |
| UNO Digital Bank | 3.00% p.a. (balances <₱5,000), 3.50% p.a. (balances ₱5,000–₱4,999,999.99) |
| UnionDigital Bank | 3.00% p.a. (below ₱5M) / 3.50% p.a. (₱5M and above) |
How to Choose a Digital Bank That Aligns with Your Unique Saving Style
- Match rate type to your goal. If you want short-term high yield, check promo terms and lock-in rules. For emergency funds, prefer daily-credit savings with no penalty.
- Watch promo dates and eligibility. Many banks run time-limited boosted rates in 2025; these can be lucrative but may require new cash-in, minimum deposits, or holding periods. Always note exact promo dates.
- Consider convenience and ecosystem. If you use a payments app daily, a bank integrated with your app (GCash for GSave, Maya app for Maya Bank) may be easier.
- Check deposit insurance. Make sure the product is covered by PDIC up to PHP 1,000,000 per depositor when applicable. Banks indicate PDIC coverage on their sites.
Quick tips before you move money
- Compare base rate vs promo effective rate and read the fine print. Promo yields are often conditional.
- Use time deposits only if you can lock funds for the stated term.
- Keep copies or screenshots of promo T&Cs if you open an account under a promo offer.
- Re-check rates monthly. Digital banks update rates or launch promos several times a year.
Digital banks in the Philippines give you more ways to make your money work harder in 2025, especially if you take advantage of time deposit promos or higher base savings rates. Pick the bank that fits your timeline and risk tolerance, and always double-check the bank’s latest rates and promo dates.
For convenience, check the official bank pages or the app before transferring funds.
