#philippines savings account interest rates

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. 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. 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. For more information on Maya and their savings account interest rates, you may check out their website here. Not much can be found on their website, but they do offer a 3% interest annually into your savings account, which is paid monthly. SeaBank has yet again adjusted its savings interest rates of up to 4% per annum. Read more in our articles including "10 Digital Banks in the Philippines Ranked Based on Interest Rates in 2026" and "GoTyme Bank savings interest down to 3.5%, effective March 1st".