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Compare digital savings banks in the Philippines

Maya, Tonik, SeaBank, GoTyme, CIMB GSave, side by side with listed rates, wallet integration, and PDIC coverage. These stored rates have no verification date; check each bank’s current offer and eligibility before applying.

Showing 5 of 5 banks

Digital bank

Maya Savings

PDIC insured

15%

3.5% base · up to 15% with conditions

Listed rate · current availability unverified

Best overall, highest promotional rate

Up to 15% on first ₱100K with conditions
QR payments everywhere
Free InstaPay transfers

Maya · No minimum deposit

Open Maya Savings →

Digital bank

Tonik

PDIC insured

4% instant · up to 6% on time deposits

Listed rate · current availability unverified

Best for locking in rates

6% on Stash time deposits
4% on instant-access savings
No conditions on base rate

Standalone · No minimum deposit

Open Tonik →

Digital bank

GoTyme

PDIC insured

3% base · up to 5% on Go Save Pockets

Listed rate · current availability unverified

Simplest option, no conditions

3% on standard balance
Free Visa debit card
3 free InstaPay/week

Standalone · No minimum deposit

Open GoTyme →

Digital bank

CIMB GSave

PDIC insured

2.6% standard · up to 4% with promos

Listed rate · current availability unverified

Built into GCash

Inside the GCash app
Zero minimum deposit
Instant GCash transfers

GCash · No minimum deposit

Open CIMB GSave →

Digital bank

SeaBank

PDIC insured

3.5%

3.5% on all balances

Listed rate · current availability unverified

Best for Shopee users

Direct ShopeePay integration
No maintaining balance
PDIC insured

ShopeePay · No minimum deposit

Open SeaBank →