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Best Savings Accounts of April 2025

Updated: Apr 2, 2025
AP
Written by
Andrew Pagulayan
CEO/CTO
EH
Reviewed by
Excelon Holdings
Financial Analyst
TC
Edited by
Theresa Chu
CFO/Data Analyst
Many or all of the products on this page are from partners who compensate us when you click to or take an action on their website, but this does not influence our evaluations or ratings. Our opinions are our own.

The best savings account is one that fits your financial goals and lifestyle.

RateRocket's savings experts have reviewed top options for 2025 - from high-yield accounts and premium features to zero-fee digital banks and traditional institutions, so you can find the perfect fit for your saving strategy.

PERSONALIZE YOUR RESULTS

FOUND 23 ACCOUNTS MATCHING YOUR CRITERIA

ATM Savings

★4.0

Landbank

GOVERNMENTLOW INITIALACCESSIBLE
INITIAL DEPOSIT
Php 500
INTEREST RATE
0.10%
KEY FEATURE
Government-backed institution with strong rural reach
BEST FOR
Government Employee
PROCESS TIME
3-5 business days

Passbook Savings

★4.3

Metrobank

BASICPASSBOOKRELIABLE
INITIAL DEPOSIT
Php 2,000
INTEREST RATE
0.125%
KEY FEATURE
Available in both passbook and ATM savings formats
BEST FOR
All-Around User
PROCESS TIME
3-5 business days

Digital Savings

★4.6

ING Philippines

DIGITAL BANKINGHIGH INTERESTNO FEES
INITIAL DEPOSIT
Php 0
INTEREST RATE
2.5%
KEY FEATURE
Fully digital banking with no transaction fees for interbank transfers
BEST FOR
Digital Native
PROCESS TIME
Instant

Solo Stash

★4.9

Tonik Bank

DIGITAL BANKINGHIGHEST INTERESTNO MINIMUM
INITIAL DEPOSIT
Php 0
INTEREST RATE
4.0% - 6.0%
KEY FEATURE
One of the highest interest rates among digital banks
BEST FOR
Digital Optimizer
PROCESS TIME
Instant

Digital Savings

★4.8

GoTyme Bank

DIGITAL BANKINGHIGH INTERESTRETAIL ACCESS
INITIAL DEPOSIT
Php 0
INTEREST RATE
5.0%
KEY FEATURE
High interest rates with physical kiosks for account opening
BEST FOR
Digital Saver
PROCESS TIME
Instant

Saver Plus

★4.6

Bank of the Philippine Islands

REWARDSDIGITAL BANKINGLOW INITIAL
INITIAL DEPOSIT
Php 3,000
INTEREST RATE
0.0625%
KEY FEATURE
Earn BPI Rewards Points based on your deposit balance
BEST FOR
Reward Seeker
PROCESS TIME
1-3 business days

#SaveUp

★4.5

Bank of the Philippine Islands

DIGITAL BANKINGNO MINIMUMHIGHER INTEREST
INITIAL DEPOSIT
Php 1
INTEREST RATE
0.0925%
KEY FEATURE
Higher interest rate than regular savings with almost no minimum requirements
BEST FOR
Digital Native
PROCESS TIME
1-2 business days

Maxi-Saver

★4.8

Bank of the Philippine Islands

PREMIUMHIGH BALANCEHIGHER INTEREST
INITIAL DEPOSIT
Php 2,000,000
INTEREST RATE
0.125%
KEY FEATURE
Bonus interest of 0.125% p.a. if no withdrawals made within the month
BEST FOR
High-Value Saver
PROCESS TIME
1-3 business days

Regular Savings

★4.2

Bank of the Philippine Islands

BASICACCESSIBLERELIABLE
INITIAL DEPOSIT
Php 3,000
INTEREST RATE
0.0625%
KEY FEATURE
Secure debit card transactions for purchases and withdrawals globally
BEST FOR
All-Around User
PROCESS TIME
1-3 business days

Pamana Savings

★4.3

Bank of the Philippine Islands

INSURANCELEGACYPASSBOOK
INITIAL DEPOSIT
Php 25,000
INTEREST RATE
0.0625%
KEY FEATURE
Free life insurance worth 3x your average account balance, up to Php 40,000
BEST FOR
Family-Oriented Saver
PROCESS TIME
2-4 business days

Debit Savings Account

★4.3

Philippine National Bank

TRAVELREWARDSMILES
INITIAL DEPOSIT
Php 3,000
INTEREST RATE
0.100%
KEY FEATURE
Comes with PNB-PAL Mabuhay Miles Debit Mastercard
BEST FOR
Overseas Filipino Worker
PROCESS TIME
3-5 business days

Top Saver Account

★4.7

Philippine National Bank

HIGHER INTERESTTIERED RATESPREMIUM
INITIAL DEPOSIT
Php 30,000
INTEREST RATE
Up to 0.500%
KEY FEATURE
Tiered interest rates up to 0.500% based on balance and withdrawal activity
BEST FOR
Strategic Saver
PROCESS TIME
3-5 business days

TAP Mastercard Account

★4.2

Philippine National Bank

NO MINIMUMCONTACTLESSREWARDS
INITIAL DEPOSIT
Php 0
INTEREST RATE
0.100%
KEY FEATURE
Zero-maintaining balance account with Php 15/month account fee
BEST FOR
Digital Native
PROCESS TIME
2-3 business days

OneAccount

★4.6

Rizal Commercial Banking Corporation

CUSTOMIZABLEHIGHER INTERESTALL-IN-ONE
INITIAL DEPOSIT
ADB requirement
INTEREST RATE
0.15% - 3.75%
KEY FEATURE
Customizable all-in-one account with add-on features and tiered interest rates
BEST FOR
All-Around User
PROCESS TIME
3-5 business days

iSave

★4.4

Rizal Commercial Banking Corporation

DIGITAL BANKINGNO MINIMUMVIRTUAL
INITIAL DEPOSIT
Php 0
INTEREST RATE
0.15% - 0.20%
KEY FEATURE
Virtual savings account with tiered interest rates
BEST FOR
Digital Saver
PROCESS TIME
1-2 business days

Optimum Savings

★4.8

BDO Unibank

PREMIUMHIGHER INTERESTTIERED RATES
INITIAL DEPOSIT
Php 30,000
INTEREST RATE
0.375% - 1.5%
KEY FEATURE
Tiered interest rates up to 1.5% for high balances
BEST FOR
Premium Saver
PROCESS TIME
3-5 business days

ATM Savings

★4.2

BDO Unibank

BASICACCESSIBLERELIABLE
INITIAL DEPOSIT
Php 2,000
INTEREST RATE
0.0625%
KEY FEATURE
Basic savings account with debit card access
BEST FOR
Basic Saver
PROCESS TIME
3-5 business days

eSecure Savings Account

★4.6

Security Bank

HIGH INTERESTONLINETIERED RATES
INITIAL DEPOSIT
Php 500
INTEREST RATE
0.0675% - 3%
KEY FEATURE
High interest rates up to 3% with one withdrawal limit per month
BEST FOR
Strategic Saver
PROCESS TIME
1-2 business days

Maya Savings

★4.9

Maya

DIGITAL BANKINGHIGHEST INTERESTNO MINIMUM
INITIAL DEPOSIT
Php 0
INTEREST RATE
3.5% - 15%
KEY FEATURE
Up to 15% p.a. daily interest on your first P100,000 deposit
BEST FOR
Digital Native
PROCESS TIME
Instant

UpSave

★4.7

CIMB Bank PH

DIGITAL BANKINGHIGH INTERESTNO MINIMUM
INITIAL DEPOSIT
Php 0
INTEREST RATE
2.5%
KEY FEATURE
2.5% interest with free insurance up to P250,000
BEST FOR
Digital Saver
PROCESS TIME
Instant

UNO Savings

★4.8

UNO Digital Bank

DIGITAL BANKINGHIGH INTERESTDAILY INTEREST
INITIAL DEPOSIT
Php 0
INTEREST RATE
3.5% - 4.0%
KEY FEATURE
Up to 4.0% interest credited daily with no minimum balance
BEST FOR
Digital Optimizer
PROCESS TIME
Instant

GSave

★4.6

CIMB Bank PH

DIGITAL BANKINGGCASHHIGH INTEREST
INITIAL DEPOSIT
Php 0
INTEREST RATE
2.6%
KEY FEATURE
Save directly from GCash app with 2.6% interest rate
BEST FOR
GCash User
PROCESS TIME
Instant

Savings+

★4.5

UnionBank of the Philippines

INSURANCEDIGITAL BANKINGPREMIUM
INITIAL DEPOSIT
Php 0
INTEREST RATE
0.10%
KEY FEATURE
No maintaining balance requirement for online-only accounts
BEST FOR
Online-Only User
PROCESS TIME
2-3 business days