What is the best credit card for students in the Philippines?

There is no universal best card. Students usually do better starting with a no annual fee, secured, supplementary, or low-fee card path, then comparing approval requirements directly with each bank.

Can students get credit cards in the Philippines?

Some students can qualify through supplementary cards, secured credit cards, or regular cards if they meet income and document requirements. Always check bank-specific eligibility before applying.

What is the best beginner credit card?

A beginner card should match your income, spending habits, and repayment discipline. No annual fee cards can be good for low upkeep, while rewards or cashback cards only help if you pay in full.

Which digital bank has the best savings rate?

Rates change often. Compare the current advertised rate, promo mechanics, caps, withholding tax, transfer fees, and whether the rate is base or boosted before choosing a digital bank.

Best Savings Accounts in the Philippines 2026

Compare high-interest savings, no maintaining balance options, and beginner savings accounts. Updated May 2026 and based on official bank terms where available.

Maya Savings

Maya Bank

SavingsVerify

Best for

App-first savings

Balance

No maintaining balance, as advertised by Maya

Rewards / interest

Savings interest and app ecosystem benefits

Income / approval

Check official terms

+ No maintaining balance+ Fast app onboarding! Boosted rates may depend on spend or missions

Review

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

Go Save

GoTyme Bank

SavingsVerify

Best for

Daily savings goals

Balance

No listed maintaining balance for Go Save; verify in app terms

Rewards / interest

Go Save interest plus GoTyme ecosystem rewards

Income / approval

Check official terms

+ Clear advertised 3% p.a.+ Separate savings pockets! Interest is subject to withholding tax

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 Savings

MariBank

SavingsVerify

Best for

Daily-crediting interest

Balance

No maintaining balance, as advertised by MariBank

Rewards / interest

Savings interest credited daily

Income / approval

Check official terms

+ Daily interest crediting+ No maintaining balance! Tiered interest treatment

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

CIMB Savings

CIMB Bank PH

SavingsVerify

Best for

App-based savings and transfers

Balance

No minimum balance for selected savings products, per CIMB help pages

Rewards / interest

Interest and app-based banking convenience

Income / approval

Check official terms

+ Digital-only convenience+ No initial deposit or minimum balance on selected accounts! Promo rates have mechanics and dates

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

#UNOready Savings

UNO Digital Bank

SavingsVerify

Best for

Daily interest crediting

Balance

Verify current account terms with UNO

Rewards / interest

Savings interest and digital bank services

Income / approval

Check official terms

+ Daily credited interest+ Digital onboarding! Rate tiers and product terms require checking

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

PISO Account

LANDBANK

SavingsVerify

Best for

Students and first-time savers

Balance

LANDBANK PISO is positioned with PHP 1 minimum initial deposit and no required minimum ADB

Rewards / interest

Basic savings access, ATM access, and government-bank reliability perception

Income / approval

Check official terms

+ Very low entry barrier+ Good for students and unbanked users! Simpler ecosystem than digital banks

Review

Secured Credit Card

BDO

CardVerify

Best for

Beginners with no credit history

Annual fee

Check latest BDO secured card fees and hold-out terms

Rewards / interest

Credit-building access with collateralized approval path

Income / approval

Check official terms

+ Ideal beginner path when regular approval is hard+ Helps build credit behavior! Requires funds to be held as security

Review