How Much Your Savings Earn in a High-Yield Bank (Philippines, 2026)
A regular passbook pays ~0.25%. A high-yield digital bank pays up to 5% on the same liquid, withdraw-anytime money. Find your balance below for what it earns a year — net of the 20% deposit tax.
| Balance | Net interest / year | vs a regular bank |
|---|---|---|
| ₱10,000 | ₱400 | + ₱380 |
| ₱20,000 | ₱800 | + ₱760 |
| ₱50,000 | ₱2,000 | + ₱1,900 |
| ₱100,000 | ₱4,000 | + ₱3,800 |
| ₱200,000 | ₱8,000 | + ₱7,600 |
| ₱300,000 | ₱12,000 | + ₱11,400 |
| ₱500,000 | ₱20,000 | + ₱19,000 |
| ₱1,000,000 | ₱40,000 | + ₱38,000 |
Figures use BanKo TODO Savings's 5% base rate, net of the 20% withholding tax, and compare against a ~0.25% passbook account. Tap any balance for the full bank-by-bank breakdown and PDIC guidance.
Where high-yield savings fits
Keep your emergency fund and short-term cash here — it stays liquid and PDIC-insured to ₱1,000,000 per bank. For long-term money you won't touch, a Pag-IBIG MP2 account pays a higher, tax-free dividend in exchange for a 5-year lock. And clear any high-interest debt first — no savings rate beats not paying 36% interest.
Educational estimates only — not financial advice. Interest is net of the 20% final withholding tax on peso deposits; rates are indicative as of August 2026 and change by promo and tier. All banks listed are PDIC-insured to ₱1,000,000 per depositor, per bank. Confirm the live rate with the bank.
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