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Maribank vs GoTyme
Side-by-side comparison for 2026. Rates pulled live from each bank monthly.
M
Maribank
Min balance: ₱0
Interest rate
3.75%
per year (live)
Best for
Shopee shoppers who want to earn interest on idle money
Features
- • No maintaining balance
- • Linked to Shopee
- • Free transfers
- • ShopeePay integration
- • PDIC insured
G
GoTyme
Min balance: ₱0
Interest rate
3%
per year (live)
Best for
People who prefer in-person signup and trust big-name backing
Features
- • Instant virtual debit card
- • Sign up at SM/Robinsons kiosks
- • Free transfers
- • Backed by Gokongwei + Tyme
- • PDIC insured
FeatureMaribankGoTyme
Interest rate3.75%3%
Min balance₱0₱0
Maribank
+No minimum balance or fees
+Direct Shopee integration
+Easy cash-in via ShopeePay
+Higher tier for balances over ₱1M
−Limited features beyond savings
−No virtual card
−Customer support can be slow
−Tier rate only kicks in at high balances
GoTyme
+Can sign up in-person at mall kiosks
+Backed by major conglomerate
+Good for people uncomfortable with purely digital signup
+Instant virtual card
−Lower interest rate than top tiers
−Fewer features than Maya/Tonik
−Still building out ecosystem
−Limited loan products
The verdict
Maribank rewards Shopee shoppers; GoTyme rewards anyone who wants in-person signup. Compare the live rates above to make the call.