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Ten Philippine e-wallet savings products and digital banks, sorted by base rate. Every rate shows the date we checked it (2026-11-04) and links to the official page.
Educational only, not financial advice. Rates change, check the app.
4% p.a. from Aug 24, 2026, no maintaining balance, interest calculated daily.
Honest con: PDIC cover not confirmed on the page we read; check in the app before parking big amounts.
Who holds the money: Salmon Bank. Insurance: Not verified on Salmon's page we checked; confirm PDIC cover in app before parking big amounts.
Sources: [1]
3.8% p.a., interest accrues daily, PHP 1 minimum, subject to change at OwnBank's discretion. Basic accounts have a balance limit.
Honest con: Less known brand; basic account limits.
Who holds the money: OwnBank. Insurance: Not verified on the page we checked; confirm PDIC cover in app.
Sources: [1]
UNO Digital Bank3.00% below PHP 5,000; 3.50% from PHP 5,000 to below PHP 5M; 1.00% from PHP 5M. Credited daily. Temporary 1% bonus ended Oct 31, 2026.
Honest con: Rate drops to 1% above PHP 5M.
Who holds the money: UNO Digital Bank. Insurance: Confirm PDIC details in app.
Sources: [1]
Solo Stash 3.25% p.a. Group Stash 3.25% p.a., or 3.75% p.a. with owner plus at least 2 participants. Plain Tonik Account earns only 0.1% p.a. Rates cut on Oct 19, 2026.
Honest con: Main account rate is only 0.1%; you must move money into a Stash.
Who holds the money: Tonik Digital Bank. Insurance: Tonik states deposits are insured by PDIC up to PHP 1M per depositor.
MariBank3.25% p.a. on balances up to PHP 1,000,000; 3.75% p.a. above PHP 1,000,000. Credited daily, no maintaining balance.
Honest con: Anything above PHP 1M exceeds PDIC cover per bank.
Who holds the money: MariBank Philippines, Inc.. Insurance: MariBank states deposits are insured by PDIC up to PHP 1M per depositor.
3% p.a. base on the whole balance, credited daily. Boosts up to 15% p.a. apply only to the first PHP 100,000 and need monthly transaction missions (some tiers for select users only). New-user 15% promo lasts one calendar month after qualifying; promo period stated to end Nov 30, 2026.
Honest con: Boosted rate needs spending every month and caps at PHP 100,000. Do not spend just to chase a rate.
Who holds the money: Maya Bank, Inc. (digital bank). Maya Wallet balance is not a deposit.. Insurance: Savings sit with Maya Bank, Inc., a digital bank. Wallet balance is not a deposit. Confirm PDIC cover in app.
Up to 5 GoalSaves, no missions per GoTyme. Interest paid monthly, subject to 20% withholding tax.
Honest con: Not the highest base rate.
Who holds the money: GoTyme Bank (digital bank). Insurance: GoTyme's savings page states savings are insured by PDIC. Confirm limits in app.
Sources: [1]
Komo savings page advertises 2.5%. Tier details above PHP 500,000 are unverified; check the app.
Honest con: Lower rate than several digital banks.
Who holds the money: EastWest Rural Bank. Insurance: Backed by EastWest; confirm PDIC details in app.
Sources: [1]
GCashBase rate. Interest credited monthly. No minimum deposit or maintaining balance. Basic GSave: PHP 50,000 cumulative deposit cap per the CIMB product disclosure; upgraded accounts have higher limits. Rate changed from 2.60% to 2.30% on June 1, 2026.
Honest con: Lowest base rate on this list; basic account deposit cap.
Who holds the money: CIMB Bank Philippines (GSave is a CIMB bank account opened inside GCash). Insurance: Deposit is with CIMB Bank PH, a bank. The GCash wallet balance itself is not a deposit.
CIMB advisory: 2.30% p.a. on GSave, UpSave, DragonFi Save and CIMB Grow from June 1, 2026. Pre-selected users may get CIMB Grow at a higher rate per GCash Help Center.
Honest con: Base rate below most digital banks now.
Who holds the money: CIMB Bank Philippines. Insurance: CIMB Bank PH is a bank; confirm PDIC details in app.
Sources: [1]
Gross base rates per annum, before the 20% tax. Promo rates excluded.
| Platform | Product | Base rate p.a. | Key condition | As of |
|---|---|---|---|---|
| Traditional bank example | BPI Regular Savings | 0.0625% | 0.0625% p.a., earns only when daily balance is at least PHP 5,000; PHP 3,000 to open. | 2026-11-04 |
| Salmon | Salmon Save | 4% p.a. | 4% p.a. | 2026-11-04 |
| OwnBank | Own It savings | 3.8% p.a. | 3.8% p.a., interest accrues daily, PHP 1 minimum, subject to change at OwnBank's discretion. | 2026-11-04 |
| UNO Digital Bank | #UNOready Savings | 3.50% p.a. | 3.00% below PHP 5,000; 3.50% from PHP 5,000 to below PHP 5M; 1.00% from PHP 5M. | 2026-11-04 |
| Tonik | Solo Stash / Group Stash | 3.25% p.a. | Solo Stash 3.25% p.a. | 2026-11-04 |
| MariBank | MariBank Savings (formerly SeaBank) | 3.25% p.a. | 3.25% p.a. | 2026-11-04 |
| Maya | Maya Savings (Maya Bank) | 3% p.a. base | 3% p.a. | 2026-11-04 |
| GoTyme Bank | GoalSave | 3.0% p.a. | Up to 5 GoalSaves, no missions per GoTyme. | 2026-11-04 |
| Komo | Komo Savings (by EastWest Rural Bank) | 2.5% p.a. | Komo savings page advertises 2.5%. | 2026-11-04 |
| GCash | GSave by CIMB | 2.30% p.a. | Base rate. | 2026-11-04 |
| CIMB Bank PH | UpSave / CIMB savings | 2.30% p.a. | CIMB advisory: 2.30% p.a. | 2026-11-04 |
Trademark notice: all names and logos belong to their owners and are used only to identify the products discussed. Logos come from each company's own website or app store listing, or Wikimedia Commons where noted in our sources file. Piso Wais is independent and is not affiliated with or endorsed by any of these companies.