GCash Savings Interest Rate 2026: Rates & Tips
Discover the real GCash savings interest rates in 2026. Learn how to earn up to 6.50% with UNO Time Deposits and avoid the CIMB rate drop.
The claim that GCash’s default CIMB rate dropped to **2.30% p.a.** in June 2026 is **confirmed**, but the figure of **6.50% p.a.** is only achievable through **UNO Digital Bank’s 24-month Time Deposit**, not regular savings.
Key Rate Breakdown (2026)
| Partner Bank | Product | Rate (p.a.) | Requirement |
|---|---|---|---|
| **CIMB** | Regular Savings | **2.30%** [1][3] | No min balance |
| **CIMB** | GROW Upgrade | **4.00%–7.00%** | Must upgrade; conditional tiers [1] |
| **UNO Digital** | Regular Savings | **3.00%–3.50%** | ₱5,000+ daily balance for 3.50% [5][7] |
| **UNO Digital** | Time Deposit (24mo) | **6.50%** | ₱5k–₱100k; 24-month lock [6][7][10] |
| **UNO Digital** | Time Deposit (12mo) | **5.00%** | Same as above [7][11] |
| **Cebuana** | eC-Savings | **3.50%** | No min balance; ₱100 cashback [3] |
> ⚠️ Note: Some sources still cite older rates (e.g., 2.60% for CIMB or 3.50% base for UNO), but the **June 2026 update** confirms the drop to **2.30%** for CIMB and a **tiered system** for UNO, where regular savings max out at **3.50%**, not 6.50% [3][5][7].
---
How Much Can You Actually Earn?
- **₱10,000 in CIMB (2.30%)**: ~₱230/year (~₱19/month) [user text][3]
- **₱10,000 in UNO (3.50%)**: ~₱350/year (~₱29/month) → **+₱120/year** [user text][5]
- **₱50,000 in 24-month UNO TD (6.50%)**: **₱3,250/year** → **₱6,500 over 2 years**
- **Same ₱50,000 in CIMB**: Only **₱1,150/year** → UNO earns **3x more** [user text][6]
---
How to Switch to UNO for Higher Rates
- Open **GCash app** → Tap **GSave**
- Go to **GSave Hub** (partner switcher)
- Select **UNO Digital Bank**
- Choose **Time Deposit** → Enter amount (₱5k–₱100k)
- Pick **24-month term** to lock **6.50%** [user text][6][7]
> For **CIMB GROW**, upgrade via GSave → CIMB → “Upgrade to CIMB GROW.” The new rate starts **next monthly cycle**, not immediately [user text][1].
---
Common Mistakes to Avoid
- Assuming **all GSave accounts earn the same rate** → Rates vary by bank [3]
- Dipping below **₱5,000** in UNO → Rate drops from 3.50% to **3.00%** instantly [5][7]
- Expecting **CIMB GROW** to activate immediately → It waits for next cycle [user text][1]
- Ignoring **Time Deposits** due to “locking” fear → 6.50% vs 2.30% is a massive spread [user text]
---
Best Choice for You?
| Your Need | Best Option | Why |
|---|---|---|
| Daily access (jeep, bills) | **UNO Regular Savings** | 3.50% with ₱5k+ buffer; liquid [3][5] |
| Idle cash (1–2 years) | **UNO 24-month Time Deposit** | Highest safe return: **6.50%** [6][10] |
| Mix of liquidity + bonus | **Cebuana eC-Savings** | Flat 3.50% + ₱100 cashback [3] |
Always check your **partner bank in GSave Hub** before depositing. The default 2.30% is optional—you can switch in seconds.
