#Digital banks with savings accounts

Even before the pandemic started, digital banks have been existing to help Filipinos open their own bank accounts. Apart from removing the usual maintaining balance that major banks usually offer their savings account, these digital banks offer convenience to their customers. Do note that these digital banks offer financial products and services processed through a digital platform and/or electronic channels with no physical branches. 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. 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. 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. With digital banks continuing to evolve and improve, 2026 is shaping up to be a great year to make your money work for you. Read more in our articles including "Digital Banks You Should Try in 2021" and "Banks, e-wallets face new BSP rules on digital payment fees".