#bank high interest rate

Are you tired of low interest rates for your savings account? We'll be diving into the world of digital banking, where higher interest rates are just a few clicks away. 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. BPI BanKo Annual Interest Rate: 5% BPI BanKo's annual interest rate currently goes as high as 5%, without any promos. RCBC DiskarTech Savings Annual Interest Rate: (4.88%) Coming in number 2, we have RCBC providing their customers with 4.88% annually. 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. Read more in our articles including "WATCH: Philippine Digital Banks with High Interest Rates" and "10 Digital Banks in the Philippines Ranked Based on Interest Rates in 2026".