Looking to be more financially literate and more liquid this 2026? Well you’re in luck, as opening a savings accounts is not only much more convenient, these digital banks also provide a much higher interest as compared to your traditional banks.
As of January 24, 2026, we’ve gathered the top 10 digital banks that provide the highest interest rate for your savings account. Do note however, that these banks do offer promos which go slightly higher than their average interest rates, so always make sure to keep an eye out for those. Additionally, we will only be looking at savings accounts and will not be discussing time deposits.
BPI BanKo
Annual Interest Rate: 5%
BPI BanKo’s annual interest rate currently goes as high as 5%, without any promos. Though with the year just starting, expect some promotions appearing anytime now.
Signing up is quick easy, only requiring one valid ID. What’s great about BanKo is that there is no required initial deposit upon sign up, do make sure you deposit any amount within 30 days to avoid account closure. In order to reach that 5% interest however, once must deposit at least PHP 5,000 and with a maximum amount of PHP 1,000,000. Once going past that the maximum amount, interest will decrease to 0.0625%.
As of now, the only way to open an account is via their BPI BanKo Mobile App. To learn more about their savings accounts, time deposits, etc., Click here.
RCBC DiskarTech Savings
Annual Interest Rate: (4.88%)
Coming in number 2, we have RCBC providing their customers with 4.88% annually. Similar to BanKo, there is no need for an initial deposit upon signing up.
What is different, however is the maximum amount placed into your account before reaching that 4.88%. In order to reach and maintain their annual interest, users must have a balance between PHP0 – PHP 49,700. Once reaching PHP 49,700.01 or higher, your account will no longer earn interest, as the total amount of your savings plus interest can only go up to PHP 50,000.
Additionally, since DiskarTech is under RCBC your accounts will also count as Basic Deposit Accounts under RCBC. This then covers their users with PDIC insurance.
If you want to do your own research on RCBC DiskarTech Savings, you can look at their website here.
Ownbank
Annual Interest Rate: (3.8%)
Third on this spot is Ownbank, formerly a rural bank turned digital bank, it offers its users a generous 3.8% interest annually.
Unlike some of the banks on this list, OwnBank does not require the need to upgrade your accounts in order to open up a savings account. The only setback of only having a basic account however, is that the maximum amount you can place in to that account is ₱50,000. In order to increase this amount, then upgrading your account is a must.
OwnBank is also one of the easier banks to grow your money, as to open an Own It account, users may start earning interest with just ₱1, and just like some other banks on this list, you may also use this savings account to make payments. In order to learn more, their website offers a pretty comprehensive breakdown on their Own It accounts.
Maya
Annual Interest Rate: (3.5% to 15%*)
When we were first doing our research for this list, we were all intrigued with Maya’s rate of 15%, so we decided to dig a little deeper.
All things considered, the standard 3.5% interest rate is better than most of this list, in order to reach this 15% rate, users must spend spend at least Php 250 to 35k within the given promo period (December 1, 2025 to January 31, 2026).
Each payment from said Maya account gives a certain percentage boost into the interest rate. Additionally, the maximum amount users may out into their savings account is Php 100,000, with a minimum maintaining balance as low as Php 0.01.
In order to open a savings account for Maya, users must first upgrade from their basic accounts. It’s nothing too complicated, as Maya asks their users to provide basic information such as how many bank accounts one has, source of income, etc., and the process of signing up should take no more than 10 minutes.
For more information on Maya and their savings account interest rates, you may check out their website here.
Maribank
Annual Interest Rate: (3.25-3.75%)
Another rural bank going digital, Maribank offers its users a annual interest of 3.25-3.75%.
Right off the bat, users can enjoy a per annual of 3.75% credited daily without a maintaining balance. The 3.25% applies users with account balances up to PHP1,000,000. In order to reach the 3.75% annual, users must first exceed the PHP1,000,000.
Another benefit of having a Maribank account is that users may easily transfer funds into their ShopeePay with no surcharges. So if you do like shopping on Shopee, this might be something you want to look into.
For more information, you may visit their website here.
Netbank Mobile
Annual Interest Rate: (3.25%)
Under the Banko Sentral ng Pilipinas, Netbank Mobile serves as the their digital bank equivalent, similar to those listed here.
Upon signing up with Netbank Mobile, users are immediately assigned a Regular Savings Account, and based on their website, there doesn’t seem to be a need to upgrade your account to immediately start growing your savings.
What’s different about Netbank is that once an account is made, the annual interest rate will be 3.25%, but with no increase based on the amount placed in the account. So whether you have thousands in your account, or millions, the interest stays the same.
Another thing about Netbank, is there is no minimum initial deposit, and no maintaining balance required. There is however a minimum end of day balance of PHP 69.
If you want more information on their savings accounts, the to their FAQs are linked here.
UNO Digital Bank
Annual Interest Rate: (3-3.5%)
UNO Bank comes in on this list providing users with a base interest of 3% with an opportunity to go as high as 3.5%.
When starting an account, you’re immediately given a base annual interest of 3% when your account maintains a balance between PHP 0.01 and PHP 4,999.99. In order to raise that interest to 3.5%, users must maintain a balance between PHP 5,000 and 4.99M. Once your balance exceeds PHP 5M however, the annual interest goes down to 1%.
Another benefit of having an UNO Account is convenience. Yes, UNO does have it’s own app available on Android and iOS, but there is also the option of opening account via Gsave. And the process should take less than 10 minutes.
For more information, their website goes pretty in-depth on what it means to open up an account with them.
GoTymeBank
Annual Interest Rate: (3%)
One of the more popular banks on this list, signing up is as simple as providing some basic information, and a valid ID.
Not much can be found on their website, but they do offer a 3% interest annually into your savings account, which is paid monthly.
GSave by CIMB
Annual Interest Rate: 2.6%
GSave by CIMB takes this spot with an annual interest of 2.6%. Now, CIMB does have other interest rates with other banks, but its partnership with GCash, and the higher interest rates, GSave by CIMB wins out.
Creating an account is pretty simple as it can be done through the Gcash app. One other benefit of having CIMB collaborate with GCash are the promos. As an avid GCash and GSave user, the GCash app notifies you whenever promos are available.
Tonik
Annual Interest Rate:
(1% Basic Account)
(4% Solo Stashing)
(4.5% Group Stashing)
One feature sets Tonik Bank apart from other online banks: it makes saving feel purposeful and even enjoyable. Tonik allows you to manage your money using “Stashes,” which are separate savings pockets created for specific goals, rather than putting everything into a savings account.
You get to decide the purpose of each Stash in these personal savings objectives.
Tonik also allows users to create something know as Group Stashes. This is ideal for collaborative celebrations, family outings, or barkada excursions. You may make saving a team activity by asking friends and family to help. This is where groups of users may deposit in money in order to reach those goals.
As listed above, a basic savings with Tonik gives users a 1% per annum, Solo Stashing 4%, and 4.5% for Group Stashing.
For information, their website can be found here.
Competition is a great thing. It forces companies to innovate and think of new ideas. With digital banks continuing to evolve and improve, 2026 is shaping up to be a great year to make your money work for you. Whether you’re prioritizing high interest rates, low entry barriers, flexible promos, or goal-based saving features, there’s clearly no one-size-fits-all option, which also gives us consumers multiple options on where to place our hard-earned cash.
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