#BDO interest rate

Banco de Oro (BDO) is providing its customers additional reprieve by extending the adjustment date of the new credit card interest rate of 3% to March 12, 2023. The 3% interest rate is slated for effectivity on February 10, 2023, as provided by the Bangko Sentral ng Pilipinas (BSP) Circular 1165, series of 2023. BDO customers will have more than a month before having to adjust the new rate. Before the COVID-19 pandemic hit in 2020, the monthly credit card interest rate was set at 3.5%. With the nearing effectivity of the new 3% rate and the additional month afforded by BDO to its customers, BDO is encouraging its patrons to convert their transactions or outstanding balances via its low-interest-rate installment offers. 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. Read more in our articles including "BDO extends credit card interest rate adjustment to March 12" and "10 Digital Banks in the Philippines Ranked Based on Interest Rates in 2026".