Budolista

Cash Hacks & Tools

Digital bank rates, wallet tricks, credit card picks, and free finders. Top rate right now: 6.0% p.a.

Cash Hacks & Tools
Pick a digital bank
Banking

Pick a digital bank

5 questions to match you with Maya, Tonik, SeaBank, GoTyme, or CIMB.

Find your credit card
Credit Cards

Find your credit card

5 quick questions to match you with BPI, BDO, UnionBank, Metrobank, and more.

GCash

Maya

ShopeePay

BDO Cashback American Express

BPI Amore Cashback

BPI Gold Mastercard

Pag-IBIG MP2, SSS, and PhilHealth

Government benefits you can maximize. Coming soon.

Get notified

Live deals from these banks

Cashback offers, savings boosts, and card-only promos running right now

See all →
-60%

BPI

Up to 60% OFF at The Oriental Legazpi with your BPI or Robinsons Bank Card

-50%⏱ 12d

Metrobank

50% OFF at Maple Tree House with your Metrobank credit card

-50%⏱ 12d

Metrobank

50% OFF sa Crêpe Central with your Metrobank Card

-50%⏱ 12d

EastWest

50% off at Gyu-Kaku when you pay with your EastWest Platinum or World Mastercard

-63%

EastWest

Up to 63% OFF at Chroma Hospitality, Inc. with your EastWest credit, debit, or Business Class Virtual Access card.

-50%

RCBC

50% OFF on 3D/2N Package at Charlie’s El Nido with RCBC

FREE

BDO

Free SUN Tier Membership Upgrade at NUSTAR

EastWest

Shop now at Robinsons Department Store, pay in 0% installment with your EastWest credit card

Digital Bank Rates

Where to park your money for the best return — updated weekly

Maya Savings

Maya Savings

Top Pick

Bank + wallet + virtual card in one app

15.00%

Open Maya Savings

Tonik

Tonik

Locked-in Stashes pay the highest tiers

8.00%

Open Tonik

Komo

Komo

EastWest's digital arm with one of the highest headline rates

6.00%

Open Komo

BPI BanKo

BPI BanKo

BPI's micro-finance arm — savings + small business loans

5.00%

Open BPI BanKo

UnionDigital

UnionDigital

UnionBank's standalone digital bank

4.50%

Open UnionDigital

DiskarTech

DiskarTech

RCBC's vernacular-first banking app

4.00%

Open DiskarTech

CIMB (GSave)

CIMB (GSave)

Lives inside GCash — zero friction for GCash users

4.00%

Open CIMB (GSave)

Maribank (formerly SeaBank)

Maribank (formerly SeaBank)

No fees, baked into Shopee + ShopeePay

3.75%

Open Maribank (formerly SeaBank)

GoTyme

GoTyme

Sign up at the mall, instant virtual card

3.00%

Open GoTyme

GSave (GCash)

GSave (GCash)

Savings inside GCash, powered by CIMB

2.60%

Open GSave (GCash)

Rates as of May 2026. Subject to change. Always verify with your bank.

How much will my savings earn?

Your money + a year at PH digital bank rates.

  • Maya Savings

    Maya Savings

    Best for ₱50,000

    15.00% p.a. · earns ₱7,500/yr

    ₱57,500

  • Tonik

    Tonik

    8.00% p.a. · earns ₱4,000/yr

    ₱54,000

  • Komo

    Komo

    6.00% p.a. · earns ₱3,000/yr

    ₱53,000

  • BPI BanKo

    BPI BanKo

    5.00% p.a. · earns ₱2,500/yr

    ₱52,500

  • UnionDigital

    UnionDigital

    4.50% p.a. · earns ₱2,250/yr

    ₱52,250

  • DiskarTech

    DiskarTech

    4.00% p.a. · earns ₱2,000/yr

    ₱52,000

  • CIMB (GSave)

    CIMB (GSave)

    4.00% p.a. · earns ₱2,000/yr

    ₱52,000

  • Maribank (formerly SeaBank)

    Maribank (formerly SeaBank)

    3.75% p.a. · earns ₱1,875/yr

    ₱51,875

  • GoTyme

    GoTyme

    3.00% p.a. · earns ₱1,500/yr

    ₱51,500

  • GSave (GCash)

    GSave (GCash)

    2.60% p.a. · earns ₱1,300/yr

    ₱51,300

Compounded annually. Actual returns vary — banks compound daily/monthly and rates can change. Always verify before depositing.