The best digital banks in the Philippines with high interest this 2025 are gaining more attention with a good reason. In response to persistent inflation and low yields from traditional banks, Filipinos are increasingly choosing digital banks. With interest rates reaching up to 14% annually, they offer more rewarding ways to save.
With the right digital bank, you can take control of your savings, build better habits, and earn higher interest along the way. Many digital banks offer daily interest crediting, no maintaining balance, and account opening in minutes right from your phone.
In this guide, we have listed down the top 10 high-interest digital banks available in the Philippines this 2025. The base rates, promo mechanics, how to get started, and which ones are best for specific savings goals are covered in this article.
- Maya Bank – Savings Interest of 3.5% p.a.
- GoTyme Bank – Savings Interest of 3.5% p.a.
- Tonik Bank – Savings Interest of 1% p.a.
- SeaBank – Savings Interest of 4% p.a.
- Komo (by EastWest Bank) – Savings Interest of 2.5% p.a.
- CIMB Bank Philippines – Savings Interest of 2.5% p.a.
- Netbank Mobile – Savings Interest of 4% p.a. (for new users)
- Own Bank – Savings Interest of 3.8% p.a. (“Own It” account)
- BanKo (BPI Direct BanKo) – Savings Interest of 5% p.a. (TODO Savings account from ₱5K–₱1M)
- DiskarTech (by RCBC) – Savings Interest of 4.88% p.a. (up to ₱49,700 balance)
Maya Bank – Savings Interest of 3.5% p.a.
- Promos: Up to 14% p.a. via mission-based promos for goal savings.
- Limits & Conditions: Promo rates require completing in-app challenges; rates vary monthly.
- Takeaway: Maya is perfect for users who love challenges and use Maya as their e-wallet.
- How to Get Started: To open a savings account simply download the Maya app. No minimum deposit needed.
GoTyme Bank – Savings Interest of 3.5% p.a.
- Promos: No promos. Base rate is fixed and stable.
- Limits & Conditions: No cap or complicated mechanics.
- Takeaway: Best for savers who want a consistent 5% with no promo tasks or limits.
- How to Get Started: Download the GoTyme app or sign up via Robinson’s GoTyme kiosks. You will receive a free debit card instantly.
Tonik Bank – Savings Interest of 1% p.a.
- Promos: Time deposits and group stashes offer up to 6% p.a.
- Limits & Conditions: Time deposits in Tonik are locked from 6 to 12 months.
- Takeaway: Serious about saving long-term? Tonik’s TDs offer great rates.
- How to Get Started: Download the Tonik app, verify with your ID, and start as little as ₱5 as savings.
SeaBank – Savings Interest of 4% p.a.
- Promos: No promo is required. Interest is credited daily.
- Limits & Conditions: There are no special requirements for now. Interest rates may change over time.
- Takeaway: Daily interest and seamless ShopeePay integration are great for online shoppers.
- How to Get Started: Download the SeaBank app or access via ShopeePay to create an account.
Komo (by EastWest Bank) – Savings Interest of 2.5% p.a.
- Promos: Occasionally offers up to 6% p.a. (e.g., May–June 2024) for balances up to ₱500K with an ADB increase of ₱5K+.
- Limits & Conditions: Promo rates apply only to balances ₱500K and below.
- Takeaway: Not ideal for passive savers, but a smart choice if you’re up for completing promo tasks to unlock higher interest.
- How to Get Started: Download the Komo app, register with a valid ID, and no minimum deposit.
CIMB Bank Philippines – Savings Interest of 2.5% p.a.
- Promos: Up to 8% p.a. through CIMB’s promo mechanics with monthly average balance growth or deposit milestones
- Limits & Conditions: Higher rates require maintaining or increasing your ADB (Average Daily Balance) and meeting tiered deposit goals
- Takeaway: CIMB is ideal for consistent savers who want to earn high interest by simply maintaining a healthy balance or using GCash
- How to Get Started: Via GCash: Go to GSave in the GCash app and open a CIMB GSave account—no initial deposit or maintaining balance. Via CIMB App: Download the CIMB Bank PH app, register with a valid ID, and access additional products like UpSave and time deposits.
Netbank Mobile – Savings Interest of 4% p.a. (for new users)
- Promos: Up to 7.5% p.a. on-time deposits.
- Limits & Conditions: Rates vary depending on user tier and term deposit conditions.
- Takeaway: Reliable rural bank option with competitive interest and daily crediting.
- How to Get Started: Get the Netbank app via Google Play, register with ID, and open a Peso Saver or TD.
Own Bank – Savings Interest of 3.8% p.a. (“Own It” account)
- Promos: 5.55% on “Own Wish”; up to 6.5% p.a. on 360-day TDs.
- Limits & Conditions: Time deposit terms apply; no major app issues reported.
- Takeaway: Excellent for short- and long-term savers looking for higher returns.
- How to Get Started: Visit ownbank.com.ph, sign up with a valid ID, and choose your account type.
BanKo (BPI Direct BanKo) – Savings Interest of 5% p.a. (TODO Savings account from ₱5K–₱1M)
- Savings Interest (base): 5% p.a. (TODO Savings account from ₱5K–₱1M)
- Promos: None. Fixed rate.
- Limits & Conditions: You get 0.0625% p.a. interest for excess over ₱1M; ₱50 inactivity fee after 12 months if ADB falls below ₱500.
- Takeaway: Ideal for mid-range savers who want a passive way to earn 5% interest.
- How to Get Started: Download the BanKo app, register with your ID, and open a TODO Savings account—no initial deposit is needed.
DiskarTech (by RCBC) – Savings Interest of 4.88% p.a. (up to ₱49,700 balance)
- Savings Interest (base): 4.88% p.a. (up to ₱49,700 balance)
- Promos: Ongoing 6.5% p.a. credited daily on Basic Deposit Accounts.
- Limits & Conditions: Interest stops after ₱49.7K; the app has occasional glitches.
- Takeaway: Great for maximizing small balances and earning daily login rewards.
- How to Get Started: Download the DiskarTech app, register using your ID, and fund via e-wallets or RCBC agents.
To recap, here are the best digital banks in the Philippines with high interest in 2025:
- GoTyme, SeaBank, and BanKo offer stable, no-fuss high interest (up to 5% p.a.) with no tricky conditions.
- Maya, CIMB, Komo, and DiskarTech reward active savers who can grow their balance monthly with promo rates as high as 14% p.a. (Maya) and up to 8% p.a. (CIMB).
- Tonik, Netbank, and OwnBank are ideal for long-term savers for time deposits up to 7.5% p.a.
Not only are these banks regulated by the BSP, but they’re also PDIC-insured up to ₱1,000,000. Your savings are both safe and productive.
💡 Don’t let your money sit idle in low-interest accounts. Try one (or two!) of these digital banks today and start growing your savings smarter, faster, and on your terms.
👉 To grow your savings this year Make sure you’re also setting clear money goals. Check out our guide: Setting Personal Financial Goals for 2025: A Simple Guide to Your Financial Freedom to map out your next financial moves.
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