03/07/2026
DIGITAL BANKS VS. TRADITIONAL BANKS
The Digital Advantage: Digital-only banks (OwnBank, MariBank, Maya, and CIMB) are offering significantly higher yields, topping out at 3.80% with OwnBank.
The Traditional Baseline: Most established traditional banks (BDO, BPI, AUB, UnionBank, RCBC, and Chinabank) hover below 0.13%, with BDO and BPI sitting at the baseline of 0.0625%.
Put into perspective: Putting ₱10,000 in an account at 3.80% earns around ₱380 a year before taxes, while the same ₱10,000 at 0.0625% earns just ₱6.25.
DISCLAIMER:
The interest rates displayed in this chart are based on research from the official websites, social media pages, and public announcements of the respective financial institutions, as of July 3, 2026. These rates are subject to change without notice and their complete accuracy is not guaranteed. This information is for informational purposes only and does not constitute a dynamic recommendation, financial advice, or endorsement. Please consult directly with each bank for the most up-to-date rates, terms, and conditions.
