Savings Accounts--Which bank has the highest interest rate?

[sportygurl]

Balak ko sana magbukas ng savings account or time deposit account pero hindi ako makadecide sa kung san bangko ilalagay pera ko. Alin dito pinakaok na bank? BDO, BPI, Security or Metrobank?

[Ghell06]

^Meron ako accounts sa lahat na bank. Pero yung sa Metrobank payroll lang so di ko napapansin yung interest. Para sakin pinakamalaking interest is Security Bank.

[vanity fair]

Don't rely on a savings account to grow your money.  Parang wallet lang ang savings account.  With the taxes & inflation, lugi ka kung sa savings account mo lang ilalagay pera mo.  I suggest you look into mutual funds or UITFs offered by banks.

[swit16garl]

You can open now in ING. Everything's digital with them.

In terms of interest rate, they have an ongoing promo of 4% annual rate until end of Oct 2019. Normally, it's 2.5% annual rate (which started last June of this year).

Do note that they currently do not have any ATM, so if you need money, you still need to transfer from ING to other bank (free of charge, EOD crediting during banking hours).

[eischied_21]

^hello sis, transfer to other banks can be done online? Also looking for savings account with higher interest rate to store my emergency funds.

how much interest rate sa Security Bank?

[hisana]

Curious din ako sa ING. Aside from the higher interest rate, what else could entice people to open an account with them?  Kasi I have savings accounts with bpi and security bank, and sanay pa rin talaga ako sa may atm, over-the-counter transactions, checkbook, etc. Iniisip ko kasi na may charge din naman yung instapay and pesonet to transfer funds to ING (or pwede din siguro I just issue a check to myself, haha) and hindi ba inconvenient gamitin yung virtual bank like ING that does not offer all of the "traditional" banking channels/activities? How's the customer service? Gusto ko kasi mag-open, I want to try it, but I'm wondering ano pa ba mga features and benefits nya so that I can finally fully convince myself, haha.

[swit16garl]

I have Unionbank kasi eh. With UB, no charge for pesonet, P10 for instapay. So it's easy for me to transfer to ING. But alam ko, ING has a promo right now to rebate you for other bank charges when transferring to them. I keep ING as my emergency fund account. It's not as accessible if you need it NOW but it will do. Kaysa nakatengga lang sa BDO or BPI. Customer service is ok. But I didn't have any major issues yet so I can't really say.

For me, 2 benefits for now: high interest rate and I can transfer to other banks without charge

Curious din ako sa ING. Aside from the higher interest rate, what else could entice people to open an account with them?  Kasi I have savings accounts with bpi and security bank, and sanay pa rin talaga ako sa may atm, over-the-counter transactions, checkbook, etc. Iniisip ko kasi na may charge din naman yung instapay and pesonet to transfer funds to ING (or pwede din siguro I just issue a check to myself, haha) and hindi ba inconvenient gamitin yung virtual bank like ING that does not offer all of the "traditional" banking channels/activities? How's the customer service? Gusto ko kasi mag-open, I want to try it, but I'm wondering ano pa ba mga features and benefits nya so that I can finally fully convince myself, haha.

[hisana]

^Yes, nag-open na nga rin ako, kahit mapakinabangan lang konti yung interest rate, haha. Also the rebate promo medyo recently ko lang nalaman, ewan ko ba why I missed it. Okay yan!

[Tumblrista]

Security Bank & ING

[schizo_me]

Digital bank CIMB @ 4% interest per annum

https://www.cimbbank.com.ph/amp/en/our-products/upsave-savings-account.html

[sportygurl]

may idea kayo kung anong savings account ng security bank ang may pinakamataas na interest rate?

[eischied_21]

Mukang okay ang 4% interest rate ng CIMB a

[chinablue]

Dahil active user ako ng gcash, nag open na din ako ng gsave account linked to cimb. Mas mataas kase yung interest rates nika kesa bank.

[JHUDYDAY]

Safe po ba mag open ng savings account sa CIMB. nag open ako ng account sa bpi kaya savings then i noticed na biglang nabawasan agad ng 5 pesos [textspeak!] diniposit ko thru gcash. bakit kaya ganun?

[nerddict]

Mga sis, share naman kayo ng experience nyo with ING. Okay ba sya?

[eischied_21]

I think ING and CIMB has 4% interest rate. I applied sa Megamall, may booth ang ING dun and when you open an account there they will give you 300 pesos Starbucks coupon.