Filipinos are adopting online banking due to its convenience and accessibility. Digital banking services allow people to make a variety of financial transactions via mobile apps and websites due to the country's rising internet usage and the government's financial inclusion effort.
That said, Filipino citizens now have seamless digital payment solutions, instant fund transfers, and personalized financial management tools thanks to fintech startups and partnerships between traditional banks and technology companies, improving their banking experience.
Customers gain many advantages from digital banks. They can do all their banking online using their smartphones, avoiding long lines at a physical bank branch. Moreover, most digital banks offer higher interest rates compared to traditional banks. Users can also access their savings accounts and make transactions 24/7. Most importantly, these digital banks and their products are regulated by the Bangko Sentral ng Pilipinas (BSP) and are insured by the Philippine Deposit Insurance Corporation (PDIC).
If you're itching to know the best digital banks in the Philippines with the highest interest rates in 2023, we've compiled them in a list, which you can check out below.
List of PH Digital Banks with Highest Interest Rates (December 2023)
Here's the list of top digital banks in the Philippines that offer the best interest rates as of December 2023.
The banks' products are listed below, along with their base interest rates (p.a.), promo interest rates, and other details, such as whether they support free fund transfers and daily crediting.
If you also want to know which digital banks are suitable for savings or daily transactions (fund transfers to other banks, bills payment, buy load), check out below.
Suited for savings: Maya (Personal Savings), OwnBank, UnionDigital Bank, UNO Digital Bank, Maya (Personal Goal), Tonik, BanKo by BPI, and Komo by EastWest.
Suited for daily transactions: iSave (Maybank Philippines), Netbank Mobile, DiskarTech, CIMB Bank, SeaBank, and GoTyme Bank.
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What can you say about the best digital banks in the Philippines with the highest interest rates? You can leave your comment below.
Credits: Digital Banks PH Facebook group
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