Traditional and digital banking

Banks

Choose the bank personality that matches your daily money flow: app-first, branch access, student savings, or credit-building.

Updated May 2026Official source checksBeginner-first scoring

Featured pick

Maya

Digital daily savings

Trust note

Rates, promos, annual fees, income requirements, transfer fees, and eligibility rules can change. Always verify with the official bank before applying. This comparison is for education and comparison only, and is not financial advice.

Featured picks

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Maya

Maya Bank

BankVerify

Best for

Digital daily savings

Balance

No maintaining balance on deposit accounts, as advertised by Maya

Rewards / interest

Savings boosts, wallet tools, payments, and credit products subject to approval

Income / approval

Check official terms

+ App-first daily money flow+ No maintaining balance! Boosted rates are conditional

Review

UnionBank

BankVerify

Best for

Best digital experience among traditional banks

Balance

Varies by account type

Rewards / interest

Rewards, miles, e-commerce cards, virtual card support, installments, and lifestyle partnerships

Income / approval

Check official terms

+ Mobile-first banking+ Online application process! Fees and limits vary by product

Review

GoTyme

GoTyme Bank

BankVerify

Best for

App experience

Balance

Verify latest app terms

Rewards / interest

Go Save interest, rewards points, debit, and app banking

Income / approval

Check official terms

+ Clean app experience+ Clear Go Save rate communication! Rate can change

Review

11 matches

Tap compare to build a side-by-side tray.

Maya

Maya Bank

BankVerify

Best for

Digital daily savings

Balance

No maintaining balance on deposit accounts, as advertised by Maya

Rewards / interest

Savings boosts, wallet tools, payments, and credit products subject to approval

Income / approval

Check official terms

+ App-first daily money flow+ No maintaining balance! Boosted rates are conditional

Review

UnionBank

BankVerify

Best for

Best digital experience among traditional banks

Balance

Varies by account type

Rewards / interest

Rewards, miles, e-commerce cards, virtual card support, installments, and lifestyle partnerships

Income / approval

Check official terms

+ Mobile-first banking+ Online application process! Fees and limits vary by product

Review

GoTyme

GoTyme Bank

BankVerify

Best for

App experience

Balance

Verify latest app terms

Rewards / interest

Go Save interest, rewards points, debit, and app banking

Income / approval

Check official terms

+ Clean app experience+ Clear Go Save rate communication! Rate can change

Review

MariBank

BankVerify

Best for

Daily credited digital savings

Balance

No maintaining balance, as advertised by MariBank

Rewards / interest

Daily credited savings interest

Income / approval

Check official terms

+ Competitive advertised savings rate+ Daily crediting! Newer ecosystem

Review

BPI

BankVerify

Best for

Traditional banking for first payroll accounts

Balance

Varies by account type

Rewards / interest

Cards, deposits, mobile banking, investments, and bill payment ecosystem

Income / approval

Check official terms

+ Large traditional bank network+ Good first job payroll fit! Some accounts have maintaining balances

Review

BDO

BDO Unibank

BankVerify

Best for

Traditional bank access

Balance

Varies by account type; ATM Savings is positioned from PHP 2,000

Rewards / interest

Savings, secured credit card, installment card, regular cards, branch and ATM access

Income / approval

Check official terms

+ Massive ATM and branch network+ Good secured credit card path for no-history beginners! Digital UX can feel more traditional

Review

CIMB

CIMB Bank PH

BankVerify

Best for

Digital savings campaigns

Balance

No minimum balance on selected products

Rewards / interest

Savings interest, campaigns, and mobile banking

Income / approval

Check official terms

+ All-digital banking+ No initial deposit on selected accounts! Promos can be complex

Review

LANDBANK

BankVerify

Best for

Government bank option

Balance

PISO account has very low entry barrier; verify current account disclosures

Rewards / interest

PISO savings, ATM savings, mobile banking, and government service integrations

Income / approval

Check official terms

+ Government reliability perception+ Good for low-entry savings! Simpler rewards/card ecosystem

Review

Metrobank

BankVerify

Best for

Traditional credit-building path

Balance

Varies by account type

Rewards / interest

Deposits, loans, credit cards, investments, and promos

Income / approval

Check official terms

+ Strong traditional bank reputation+ Clear card lineup! Some beginner cards still require strong eligibility

Review

RCBC

BankVerify

Best for

Flexible rewards cards

Balance

Varies by account type

Rewards / interest

Deposits, credit cards, rewards, and budget tools

Income / approval

Check official terms

+ Flexible card lineup+ Budget monitoring tools on selected cards! Product terms differ by card and account

Review

Security Bank

BankVerify

Best for

Cashback and rewards users

Balance

Varies by account type

Rewards / interest

Deposits, cashback cards, rewards cards, and BetterBanking services

Income / approval

Check official terms

+ Strong cashback card positioning+ Good professional banking fit! Premium card tiers may not fit beginners

Review

Traditional banks help with payroll, branches, and long-term credit relationships.

Digital banks can make saving easier through goals, app flows, and higher promo rates.

The best bank is the one you can use consistently without hidden friction.

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