High-interest and low-balance savings

Savings Accounts

Compare digital and traditional savings options for students, freelancers, and first-job professionals building their first buffer.

Updated May 2026Official source checksBeginner-first scoring

Featured pick

Maya Savings

App-first 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 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

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

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

8 matches

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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

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

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

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

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

#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

Savings with ATM

LANDBANK

SavingsVerify

Best for

Provincial access and government-related transactions

Balance

LANDBANK deposit disclosures list low traditional entry options; verify current terms

Rewards / interest

ATM, branch, mobile banking, and public service integration

Income / approval

Check official terms

+ Government-backed bank perception+ Accessible for public service flows! Mobile UX may feel less modern than digital-first banks

Review

ATM Savings

BDO

SavingsVerify

Best for

Cash withdrawals nationwide

Balance

BDO lists ATM Savings open and maintain for as low as PHP 2,000

Rewards / interest

ATM and debit access rather than high yield

Income / approval

Check official terms

+ Over 1,200 branches and 5,400 ATMs listed by BDO+ Good for cash-heavy users! Maintaining balance is higher than basic digital options

Review

Treat boosted digital bank rates as temporary until the bank confirms otherwise.

Check maintaining balance, transfer routes, withholding tax, and PDIC limits.

Use separate savings pockets for emergency funds, tuition, travel, and goals.

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