#digital bank interest rates 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. 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.   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. 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. 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%. 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. Read more in our articles including "10 Digital Banks in the Philippines Ranked Based on Interest Rates in 2026" and "Western Digital Around the World Contest".