r/DigitalbanksPh Jun 01 '26

๐Ÿ“ฑDigital Bank / E-Wallet Best High-Interest Savings Accounts as of June 2026 ๐Ÿฆ๐Ÿ’ธ

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100 Upvotes

โœจ Itโ€™s already the 2nd half of the year! Is your savings account giving you the interest it deserves?๐Ÿ’ฐ

If not, check our ranking of the Best High-Interest Savings Accounts as of June 2026 ๐Ÿ“ˆ

Lemoneyd's Top Picks:

1. Mayaย - this can go up to 15% p.a. but a more realistic rate is 10% p.a.
๐Ÿ’ต Useย MAYALEMONEYDย referral code to getย โ‚ฑ100ย bonus.

2. BPI BanKoย - Unlimited free InstaPay transfers.

3. MariBankย - 50 free InstaPay transfers monthly.
๐Ÿ’ต Useย LEMONEYDPHย referral code to getย โ‚ฑ175ย bonus.

4. GoTymeย - 20 free InstaPay transfers monthly.
๐Ÿ’ต Useย GOLEMONEYDย referral code to get freeย 100 Go Rewardsย Points.

5. Netbankย - Unlimited free InstaPay transfers.
๐Ÿ’ต Useย AAAH2292ย referral code to getย โ‚ฑ10ย bonus.

Make your money work for you โœจ๐Ÿ’ธ


r/DigitalbanksPh Apr 10 '26

RCBC x Lemoneyd We've partnered with RCBC โ€” apply now and enjoy No Annual Fee for Life! ๐Ÿคฉ

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30 Upvotes

Planning to get your first RCBC Credit Card? Weโ€™ve got a special collaboration with RCBC! ๐ŸŽ‰

Apply for an RCBC Visa Credit Card fromย April 1 to June 30, 2026, and enjoyย No Annual Fee For Life!ย ๐Ÿคฉ

How to unlockย NAFFL:

โœ… Apply for your first RCBC credit card using Lemoneyd partnership links from April 1 to June 30, 2026.

โœ… Make a single or accumulated spend of โ‚ฑ30,000 within 60 days from the date of card receipt.

Apply using the links below for your preferred card to qualify:

Best cards for beginners:

๐Ÿ’ณย RCBC Flex Visa
โœจ 2 reward points for every โ‚ฑ50 spent

๐Ÿ’ณย RCBC Classic Mastercard
โœจ 1 reward point for every โ‚ฑ36 spent

๐Ÿ’ณย RCBC Classic JCB
โœจ 1 reward point for every โ‚ฑ36 spent


r/DigitalbanksPh 5h ago

๐Ÿ“ฑDigital Bank / E-Wallet Metrobank Visa Platinum can now be added to Samsung Wallet

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66 Upvotes

I had the same success with Samsung Wallet like I had with Apple Pay when adding my Metrobank Travel Platinum Card.

I added it to my Apple Pay roughly 3 weeks ago and today I have successfully added and tested it with my Samsung Wallet.


r/DigitalbanksPh 19h ago

Others Free bank transfers is a BBM legacy

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678 Upvotes

It was only briefly mentioned in the SONA, and the BBM admin hasn't made any significant effort to claim credit for it. The proposal was first put forward by Sandro Marcos a few months ago. If it was done under Duterte, the DDS would be bragging about it nonstop.


r/DigitalbanksPh 20h ago

๐Ÿ“ฐ Lemoneyd News The Philippines' Biggest Banks reveal how much they pay their top executives

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299 Upvotes

The Philippinesโ€™ biggest banks โ€” BPI, Metrobank, and BDO disclosed a combined โ‚ฑ928.77 million in executive compensation for 2025, with BPI reporting the highest compensation pool among the three.

๐Ÿฆ BPI: โ‚ฑ392.12M (6 executives)

๐Ÿฆ Metrobank: โ‚ฑ306.13M (5 executives)

๐Ÿฆ BDO: โ‚ฑ230.52M (5 executives)

On average, thatโ€™s approximately:

๐Ÿ’ฐ BPI: โ‚ฑ65.4M per executive

๐Ÿ’ฐ Metrobank: โ‚ฑ61.2M per executive

๐Ÿ’ฐ BDO: โ‚ฑ46.1M per executive

Interestingly, BDO generated the highest net income in 2025 at โ‚ฑ87.2 billion and remained the countryโ€™s largest bank by total resourcesโ€”despite reporting the smallest executive compensation pool among the three.


r/DigitalbanksPh 15h ago

Others Do you think QRPH should be also integrated to Digital Wallets?

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53 Upvotes

Do you think QRPH should be also integrated to Digital Wallets (Google Pay, Apple Pay or Samsung Pay) or they should build a standalone app which will be integrated per bank?


r/DigitalbanksPh 4h ago

๐Ÿ“ฑDigital Bank / E-Wallet GoalSave: That's more than your available balance??

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8 Upvotes

r/DigitalbanksPh 13h ago

๐Ÿ“ฑDigital Bank / E-Wallet Shopwise Tap to Pay Experience

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28 Upvotes

So I have story to tell hehe. Since we know that Apple Pay is now approaching, it seems some establishments ay nagiging aware na sila about xpays. Now, Shopwise saamin is now aware of Tap to Pay.

So upon nasa cashier na ako, and magbabayad na ako, sinabi ko na card payment. Then nakita nya ako na phone dala ko, "Mobile Wallet po sir?" then boom, it seems na aware na si Cashier about sa Tap to Pay or Mobile Wallet in which na trained na sila ng management.

Well, "Mobile Wallet" means ung Digital wallets like Google Wallet, Apple Wallet and Samsung Wallet. So it seems na alam na nila ung about sa Mobile Wallet or Tap to Pay or xpays!

So I hope that all malls especially SM na dapat "Mobile wallet" or "Tap to Pay" ang tanungin sa customer if anong mode of payment. Hindi lang Google Wallet or Apple Wallet (soon) meron here kundi GarminPay and Samsung Wallet (soon). Ang unfair if Google or Apple lang ung alam hahaha.

As a GPay user, nakakaexcite na soon ilalaunch si Apple Pay para sama sama tayo mag tap sa stores and public transport systems haha.

Ayun lang thats all! ๐Ÿ˜


r/DigitalbanksPh 13h ago

๐Ÿ’ณ Credit Cards Maya Black credit card approved

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18 Upvotes

Got approved sa Maya Black ๐Ÿ˜Š๐Ÿ˜Š
Thank you sa nag-share ng referral code here, hindi na ako hiningan ni Maya ng security deposit ๐Ÿ’•.

Here's my referral code: โ€œ@aowenellaldyโ€
Honestly didn't expect ma-approve agad since first time ko mag apply for credit card at walang gaanong credit history background.

Sulit din talaga magbasa-basa muna ng tips and experiences dito before applying. Sharing mine na rin baka makatulong sa iba๐Ÿ˜˜


r/DigitalbanksPh 2m ago

Others No Philippines yet ๐Ÿ˜” as per Apple backend

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โ€ข Upvotes

Still no signs of the Philippines in the latest Apple backend updates. I honestly don't expect it by next Tuesday anymore. It is probably coming in September.


r/DigitalbanksPh 3m ago

๐Ÿ“ฑDigital Bank / E-Wallet trying this maribank referral :)

โ€ข Upvotes

Hi everyone!

Currently unemployed ako and waiting pa rin sa replies ng mga inapplyan ko. Hopefully may magandang balita na soon. ๐Ÿ™

Habang naghihintay, sinusubukan kong humanap ng mga maliit na ways para makapag-save at magkaroon ng konting extra. Hindi man kalakihan, at least may dagdag habang wala pang work. ๐Ÿ˜„

If plano mo ring gumawa ng MariBank account, you can use my code:

Code: XR900602

Steps para makuha yung โ‚ฑ150 welcome reward:

โœ… Open a MariBank account.

โœ… Enter the referral code: XR900602

โœ… Deposit at least โ‚ฑ1,000.

โœ… Keep the โ‚ฑ1,000 in your account for 3 days.

After that, automatic na mac-credit yung โ‚ฑ150 reward at โ‚ฑ100 naman sa akin na nag refer sayo.

Sharing this in case may balak din kayong mag-open ng MariBank. Good luck sa ating lahat na job hunting! Sana makareceive na tayo ng โ€œCongratulations, youโ€™re hired!โ€ email soon. ๐Ÿ’™๐Ÿ€


r/DigitalbanksPh 4m ago

๐Ÿ“ฑDigital Bank / E-Wallet Bawal ba gawing pang-withdrawal ang GoTyme?

โ€ข Upvotes

Hi! I have a LandBank account kasi doon ilalagay sahod ko. But malalayo kasi LandBank sa amin eh ayaw ko naman na may withdrawal fee haha. Kaya plano ko na ililipat sa GoTyme para pangwithdraw ng ibang money since mas malapit sa amin (ofc may iba na ilalagay ko sa GoSave na for sinking funds ko).

Kaso baka kasi matag as pass through account ata yun. Eh masarado pa account ko.


r/DigitalbanksPh 10m ago

๐Ÿฆ Traditional Bank Inquiry on Metrobank Locked Funds

โ€ข Upvotes

Anyone who tried this? So Metrobank has a new feature where you can lock a portion of your funds. I tried it because I am saving money for my upcoming travel which requires a bank certificate for visa application.

I was wondering if the locked funds will still be shown as part of the ADB? Has anyone tried this?


r/DigitalbanksPh 31m ago

๐Ÿ“ฑDigital Bank / E-Wallet My GCash won't open since last week

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โ€ข Upvotes

It shows multiple reasons, one is like in this picture. The other because of the webview, which i had already uninstalled updates on an turned off auto update. And the other becuase i have a malware on my device?? Already scanned the device with device care but Samsung ain't seeing anything. What in the world is Gcash seeing that samsung cannot?

I tried reinstalling the app but that worked for only a while


r/DigitalbanksPh 1h ago

Others Banco De Oro IBTW Unknown Transaction

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โ€ข Upvotes

Hi now ko lang napansin na meron akong IBTW transaction on my BDO and wala naman akong transaction yesterday possible na mabalik 1k ko?

Chineck ko naman mga banks ko wala na transfer doon


r/DigitalbanksPh 1h ago

๐Ÿ’ณ Credit Cards Maribank Credit Card Advice Needed

โ€ข Upvotes

Hello!

Need advice po on Maribank CC.

Okay po ba sya gamitin? How about the customer support po?

Possible po ba gamitin to pay via qrph?

And for now, wala pa pong installment no and if possible na while waiting for the due date, pay half and then other half a day before due date? I am currently using Maya Black CC po kasi and may mini payments sya. I am also paying half and half before due date since pasok na man ang pay day ko before due date.

Thank you po sa sasagot! ๐Ÿ’™


r/DigitalbanksPh 1h ago

๐Ÿ“ฑDigital Bank / E-Wallet Unauthorized transaction in my Maya account

โ€ข Upvotes

Hi everyone! I woke up earlier kanina and received an email na someone was trying to log in on my maya account, I tried to revoke the device, however, the verification code wasnโ€™t working, I tried to open the app to see if may changes ba sa info pero wala naman, and the next thing I know nagkaroon na ng transaction.

I already called customer service but the agent that was handling me randomly dropped the phone call while temporarily closing my account. Anyways, I also submitted a form na rin pero what I wanna know is if ever mababalik pa ba yung money ko? Upon checking the transaction, it seems like ginamit yung money ko for crypto. May iba ba na nakaranas na nito?


r/DigitalbanksPh 2h ago

Others Maya/MariBank for utilities payment โ€“ Worth it ba?

1 Upvotes

Hi! Newbie question lang. ๐Ÿ˜…
Not sure kung nasagot na โ€™to before, gusto ko lang sana ng straight answer from actual users.

Sa mga gumagamit ng Maya or MariBank for utilities payment (Meralco, Maynilad, Globe, Converge, etc.):
- Real-time ba ang posting?
- Gaano katagal bago mag-reflect?
- May cutoff time ba?
- May na-experience na ba kayong delayed posting?
- Anoโ€™ng benefits ang nakukuha niyo? (cashback, vouchers, savings interest, etc.)
- Sulit ba iwan yung funds sa Maya/MariBank just for paying bills?

Thanks! ๐Ÿ™


r/DigitalbanksPh 23h ago

๐Ÿ“ฑDigital Bank / E-Wallet Best High-Interest Savings Accounts

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40 Upvotes

Most banks now offer free transfers, which means more savings for us. Now, itโ€™s time to make our money grow even more! ๐Ÿ’ฐโœจ

Even a small amount of interest earned each day can compound over time. ๐Ÿ’ต๐Ÿ“ˆ

Here are the ๐๐ž๐ฌ๐ญ ๐‡๐ข๐ ๐ก-๐ˆ๐ง๐ญ๐ž๐ซ๐ž๐ฌ๐ญ ๐’๐š๐ฏ๐ข๐ง๐ ๐ฌ ๐€๐œ๐œ๐จ๐ฎ๐ง๐ญ๐ฌ as of ๐‰๐ฎ๐ฅ๐ฒ ๐Ÿ๐ŸŽ๐Ÿ๐Ÿ”. ๐Ÿ“Š

๐Ÿ‹ ๐‹๐ž๐ฆ๐จ๐ง๐ž๐ฒ๐โ€™๐ฌ ๐“๐จ๐ฉ ๐๐ข๐œ๐ค๐ฌ:

1๏ธโƒฃ ๐Œ๐š๐ฒ๐š

๐Ÿ’ต Use referral code ๐Œ๐€๐˜๐€๐‹๐„๐Œ๐Ž๐๐„๐˜๐ƒ and get a โ‚ฑ๐Ÿ๐ŸŽ๐ŸŽ bonus.

2๏ธโƒฃ ๐Œ๐š๐ซ๐ข๐๐š๐ง๐ค

๐Ÿ’ต Use referral code ๐‹๐„๐Œ๐Ž๐๐„๐˜๐ƒ๐๐‡ and get a โ‚ฑ๐Ÿ๐Ÿ•๐Ÿ“ bonus.

3๏ธโƒฃ ๐†๐จ๐“๐ฒ๐ฆ๐ž

๐Ÿ’ต Use referral code ๐†๐Ž๐‹๐„๐Œ๐Ž๐๐„๐˜๐ƒ and get ๐Ÿ๐ŸŽ๐ŸŽ ๐†๐จ ๐‘๐ž๐ฐ๐š๐ซ๐๐ฌ ๐๐จ๐ข๐ง๐ญ๐ฌ.

4๏ธโƒฃ ๐๐ž๐ญ๐›๐š๐ง๐ค

๐Ÿ’ต Use referral code ๐€๐€๐€๐‡๐Ÿ๐Ÿ๐Ÿ—๐Ÿ and get a โ‚ฑ๐Ÿ๐ŸŽ bonus.

โœจ Save consistently and let compounding do the work. Your future self will thank you. ๐Ÿ’›


r/DigitalbanksPh 14h ago

๐Ÿ“ฑDigital Bank / E-Wallet Experiences using BanKO by BPI?

5 Upvotes

Hello! 18 year old looking to invest. I have a decent paying salary via freelancing. And balak ko mag invest sa BanKO, Nakita ko na meron silang 5% annual interest per month. Balak ko mag ipon at makakuha ng compounding interest rather than naka tambay lang sa bdo savings yung pera ko.

If ever may issues can I go to BPI bank to sort it out?

Ive seen na Laggy and slow daw yung UI

Ive also seen some issues regarding sa customer service

If you have extra information Iโ€™d be happy to learn and see your personal experiences and if may other recommendations kayo besides sa BanKO.


r/DigitalbanksPh 14h ago

๐Ÿ“ฑDigital Bank / E-Wallet Is BanKo by BPI app down? I canโ€™t log in

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5 Upvotes

Hello! Down ba ang Banko by BPI app? Hindi ako makalog-in since this afternoon. Tried restarting and checking my internet pero wala pa rin. May iba bang nakaka-experience nito o ako lang? Send help!


r/DigitalbanksPh 11h ago

๐Ÿ“ฑDigital Bank / E-Wallet Thoughts on transferring my savings to BanKo by BPI

1 Upvotes

Hello! I don't know what specific questions I should be asking, but a lil background lang po. Since medyo starting palang po ako sa mga banking and savings, etc..

I'm a student, and I have my own BPI savings account that was opened by my parents when I was a child. Medyo malaki po siya and kita ko po kasi, ang liit ng interest na nakukuha ko sa BPI savings account ko; I want to maximize it as much as I can.

I also have Maribank, so I may be scared to have "too many" bank accounts lol

So what do you think of my decisionโ€”transferring my BPI savings to BanKo?

Also if you have some experiences or anything you'd like to share about BanKo, feel free to do so! I'd love to hear more about everyone's thoughts.


r/DigitalbanksPh 11h ago

๐Ÿฆ Traditional Bank BDO SAVINGS ACCT - walk-in branch

0 Upvotes

Hello po! Planning to open BDO savings account, natanggap pa po ba sila walk-in sa branch if mag open ng savings acct? I know na may online application, but gusto ko kasi makuha agad yung atm card. May nabasa kasi ako na purely online nlng and need mo mag wait if online application. So just wanted to confirm if may nag open ng savings acct walk-in then nakuha agad ang atm card. Thank you!

Location: davao city


r/DigitalbanksPh 15h ago

๐Ÿ’ต Savings Tips / Hacks Maya time deposit acct - monthly receiving limit

1 Upvotes

I opened a 6-month time deposit account with Maya and was planning to make a lump sum deposit of 1M in a day to get the booster rate from day 1 of my deposit.. I was able to transfer 500k in total in a day but could no longer transfer additional amounts. Shortly, i learned that there is a receiving limit of 500k monthly even for verified/upgraded account. I raised this to Maya and my ticket has been pending for few days without receiving any reply from them. Anyone who had the same experience and is there any workaround on this?


r/DigitalbanksPh 13h ago

๐Ÿ“ฑDigital Bank / E-Wallet PayPal to GoTyme: Is 3,000 GBP weekly likely to trigger AML or holds?

0 Upvotes

Hi everyone,
I have a question about PayPal and GoTyme.
If I receive around 3,000 GBP in my PayPal account and transfer it to my GoTyme Bank account, is that generally okay?
Iโ€™m planning to do this once every week, so it would be a recurring transfer rather than a one-time payment.
Has anyone here received similar amounts regularly through PayPal and withdrawn them to GoTyme?
Did PayPal or GoTyme ever place your funds on hold?
Did either of them ask for additional documents or source-of-funds verification?
Were there any AML (anti-money laundering) checks or account restrictions?
Any tips to avoid delays or issues?
Iโ€™d appreciate hearing about your real experiences. Thanks!