Digital bank
Maya Savings
PDIC insured
15%
3.5% base · up to 15% with conditions
Best overall — highest promotional rate
- Up to 15% on first ₱100K with conditions
- QR payments everywhere
- Free InstaPay transfers
Maya · No minimum deposit
Compare digital savings banks in the Philippines
Maya, Tonik, SeaBank, GoTyme, CIMB GSave — side by side with current rates, wallet integration, and PDIC coverage. Updated when rates change.
Showing 5 of 5 banks
Digital bank
Tonik
PDIC insured
6%
4% instant · up to 6% on time deposits
Best for locking in rates
- 6% on Stash time deposits
- 4% on instant-access savings
- No conditions on base rate
Standalone · No minimum deposit
Digital bank
GoTyme
PDIC insured
5%
3% base · up to 5% on Go Save Pockets
Simplest option — no conditions
- 3% on standard balance
- Free Visa debit card
- 3 free InstaPay/week
Standalone · No minimum deposit
Digital bank
CIMB GSave
PDIC insured
4%
2.6% standard · up to 4% with promos
Built into GCash
- Inside the GCash app
- Zero minimum deposit
- Instant GCash transfers
GCash · No minimum deposit
Digital bank
SeaBank
PDIC insured
3.5%
3.5% on all balances
Best for Shopee users
- Direct ShopeePay integration
- No maintaining balance
- PDIC insured
ShopeePay · No minimum deposit