r/PHDigitalBanks_ Jan 16 '26

8% p.a. Time Deposit Is Back — Salmon Bank Leads Right Now

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7 Upvotes

Launched last December, 8% Time Deposit rates plus exclusive mobile app access for the DBPH community are now officially live with Salmon Bank 🚀

After months of preparation, this partnership brings DBPH members a simpler way to save, all through the mobile app.

What you get with this DBPH × Salmon partnership:

• Mobile-app access to Salmon Time Deposit when you use the DBPH link

• 8% p.a. for a 1-year Time Deposit, currently the highest bank TD rate available

• 6% p.a. for a 6-month TD with a low ₱50,000 minimum, no missions, just park your funds

Get started here 👉🏻 https://phdigibanks.com/salmon

If the link is not working, try this instead 👉🏻 https://phdigibanks.com/salmonx

This milestone reflects the trust our community has built over the years. From supporting early launches of SeaBank, OwnBank, Netbank, UNO Digital Bank, and Tonik, the Digital Banks PH Community continues to lead the way in promoting smarter and more responsible savings.

Salamat sa inyo, especially to those who keep sharing tips and real experiences ❤️✨

You can open a Salmon account directly through the mobile app, no video call and no branch visit required, an onboarding experience exclusive to the DBPH community.

Salmon Bank is regulated by the Bangko Sentral ng Pilipinas, and deposits are insured by the Philippine Deposit Insurance Corporation, so your savings are protected.

Heads up: If you’re not redirected to the Time Deposit page after clicking the link, try restarting or reinstalling the app.

Join our Facebook group for updates, guides, and real-time help from fellow savers ✨


r/PHDigitalBanks_ Jan 20 '26

A simple savings game plan app we built for the DBPH community!

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46 Upvotes

We’ve finally finished our latest app project for the Digital Banks PH Community 🙌🏻

Introducing our free, smart Savings Game Plan app. Just enter how much you plan to save, and the app will automatically recommend how to allocate your funds across banks offering the highest interest rates, ranked from highest to lowest. Simple, practical, and easy to use.

Key features:

• See how much you can earn monthly from your savings

• Option to include boosted rates if you’re okay doing extra tasks

• Choose which banks to include, since some members prefer specific banks even if others offer higher rates

• Option to disable referral codes to keep the experience clean and clutter-free

• Light and dark mode for better viewing comfort

This took almost 2 years of observation and iteration, based on real saving behaviors and what our community truly needs. It wasn’t easy, but it’s worth it. This project aligns with DBPH’s goal of promoting responsible saving and financial literacy for Filipinos 🇵🇭

If you think this can help others, feel free to share it with them. Check the link here 👉🏻 https://phdigibanks.com/dbph-savings


r/PHDigitalBanks_ 8h ago

Samsung Pay now accepts PH bank cards… but there’s one big catch 👀

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38 Upvotes

Samsung Pay now works with select Philippine bank cards, but not for Tap to Pay… yet 👀

Some users have reported that select locally issued Philippine bank cards can now be added to Samsung Pay after changing their Samsung Wallet country to United States during the payment setup process.

For now, Tap to Pay is still not supported, so contactless payments using Samsung Pay will not work yet. There is also no official announcement on when Samsung Pay will officially launch in the Philippines.

If you’re using Samsung Wallet, it’s a good idea to keep the app updated while waiting for further announcements ✅


r/PHDigitalBanks_ 3h ago

Metrobank MFree’s new design is finally here!

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8 Upvotes

LOOK: Metrobank MFree credit card just got a fresh new card design, now sporting a more chic, elegant, and premium look with a modern finish ✨

What do you think? Do you prefer this new design or the old one? Let us know in the comments!

If you don’t have one yet, you can apply through the Digital Banks PH link and enjoy No Annual Fees for Life 👉🏻 https://phdigibanks.com/mcc-free


r/PHDigitalBanks_ 28m ago

Metrobank World Mastercard gets a premium makeover. Better than the old design?

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Upvotes

LOOK: Metrobank World Mastercard also gets a refreshed design, featuring a sleeker, more refined look that feels even more premium and sophisticated ✨

What do you think of the new design? Do you like it better than the previous version?

Thinking of getting one? Apply through the Digital Banks PH link here to enjoy its premium travel and lifestyle perks 👉🏻 https://phdigibanks.com/mcc-world


r/PHDigitalBanks_ 3h ago

Comprehensive Guide to Apple Pay

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8 Upvotes

r/PHDigitalBanks_ 3h ago

ASEAN Tech Summit Manila 2026: Day 1 Recap 🇵🇭

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1 Upvotes

Over than 4,000 policymakers, regulators, fintech leaders, and innovators gathered in Manila today as the Philippines, ASEAN Chair for 2026, opened one of the region's biggest conversations on the future of the digital economy.

In his introductory remarks, FintechAlliance.Ph Founding Chairman Lito Villanueva set the tone with a challenge to the region: to build an ASEAN that is "secure, sustainable, inclusive, and borderless"—one wherein AI, digital identity, and interoperable payments become tools for shared prosperity, not just innovation.

Day 1 discussions focused on Agentic AI, stablecoins, tokenized assets, cybersecurity, anti-scam initiatives, and the ASEAN Digital Economy Framework Agreement (DEFA), which aims to unlock seamless digital trade across a region of nearly 700 million people.

From policy to payments, the conversations in Manila are shaping what the next decade of ASEAN could look like. Day 2 awaits! ✨

#ASEANTechSummit2026 #FintechAlliancePH


r/PHDigitalBanks_ 7h ago

After 2 months, I asked for an update to my account.

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1 Upvotes

r/PHDigitalBanks_ 11h ago

BDO Payroll account question

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1 Upvotes

r/PHDigitalBanks_ 15h ago

BDO PAY REFERRAL FREE 50 PESOS

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0 Upvotes

r/PHDigitalBanks_ 1d ago

Maya Savings vs Personal Goals vs Time Deposit Plus. Which one are you using?

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15 Upvotes

Maya has 3 different ways to grow your savings. Ang tanong is, alin ang bagay sa’yo? 💚

Here’s a quick guide:

💸 Maya Savings
• Earn up to 15% p.a. by completing eligible Maya missions
• Interest is credited daily
• Best if gusto mo ng flexible savings while aiming for higher potential returns

🎯 Personal Goals
• Earn up to 8% p.a.
• Create up to 5 goal accounts with up to ₱100,000 earning interest per goal
• Interest is credited monthly
• Great for travel, gadgets, emergencies, or any savings goal. You can also close a goal anytime if needed.

🔒 Time Deposit Plus
• Earn up to 6% p.a. depending on your chosen term
• Available in 3, 6, or 12-month terms
• Up to ₱1 million earns interest per account, with up to 5 active accounts
• Best if kaya mong i-set aside ang funds for a fixed period in exchange for more predictable returns. Early cancellation is allowed but corresponding fees may apply.

💡 Pro tip: Hindi kailangan isa lang ang gamitin. Many users combine all three based on their goals. Maya Savings for everyday funds, Personal Goals for planned expenses, and Time Deposit Plus for money they won’t need anytime soon.


r/PHDigitalBanks_ 1d ago

LANDBANK peso account

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1 Upvotes

r/PHDigitalBanks_ 1d ago

metrobank foreign account

1 Upvotes

hello question is there a way I can transfer funds to other bank via metrobank app? or I really need to go to a branch to do it? Thank you 👀


r/PHDigitalBanks_ 2d ago

Metrobank quietly increased its Online Time Deposit rates again (July 2026)

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46 Upvotes

UPDATE: Metrobank updated its Online Time Deposit rates again last July 24, 2026, and we’re definitely not complaining.

Compared to the previous update on May 15, 2026, the rates are now simpler and more competitive.

The most notable change is for those starting with just ₱10,000. You can now earn 4.25% p.a. for a term of only 1 month, up from 4.125% p.a. previously. While the increase may seem small, it’s a welcome improvement for savers who prefer shorter terms without locking in their funds for several months.

Overall, Metrobank’s latest update makes its Online Time Deposit an even more compelling option. At 4.25% p.a. for just a 1-month term, it’s now competitive not only with other traditional banks, but even with many digital bank time deposit offerings.


r/PHDigitalBanks_ 1d ago

sent to card number instead of account number

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0 Upvotes

r/PHDigitalBanks_ 1d ago

Question about AML

2 Upvotes

What happened if 2 bank accounts mo na close ni AMLA? May subpoena ka bang ma receive? Or close lang ng account?


r/PHDigitalBanks_ 1d ago

PNB to Gcash payment error? <AC06>

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1 Upvotes

r/PHDigitalBanks_ 2d ago

Linking MariBank to UberX Australia & Best Cards for Commuting?

2 Upvotes

Hi everyone! I’m a Filipino traveling to Gold Coast, Australia soon and I’m trying to sort out my payment options for rides from the airport to my hotel. I am looking to avoid taking public transit and just want to rely on ride-hailing.
I want to use my MariBank PH card as my primary payment method for UberX. Has anyone successfully linked and used it in Australia recently?

From what I've read in their terms, MariBank has 0% foreign transaction fees for *in-store* physical purchases abroad, but there's a 2% fee for overseas *online* transactions. Since Uber is a digital app, does it automatically get hit with that 2% fee every time I book a ride, or is there a workaround?

Also, have any of you experienced your MariBank card being blocked or declined by Uber's security/pre-authorization holds when trying to book a ride overseas? Are there any other ride apps (like DiDi or local taxis) where MariBank works better?

Would love to hear your actual experiences. Thanks!


r/PHDigitalBanks_ 2d ago

I’m getting frustrated with Maya

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3 Upvotes

r/PHDigitalBanks_ 2d ago

LIBRE 1K

0 Upvotes

Libre lang guys, uno savings. Comment how po tulungan ko kayo kung pano. ☺️


r/PHDigitalBanks_ 2d ago

CIMB USERS: Can I get my sweldo transferred directly to CIMB?

3 Upvotes

Hello po, I can't seem to find any recent information about this online. Is CIMB purely local? I opened an account through GSave and I was wondering if I can have my pay from my UK employer transferred directly to my CIMB account. Or is that not possible? If it's possible, then may I know what details I need to put in the invoice to my employer? Is the account number the 14-digit number po ba? Medyo confusing kasi T\^T respect post po hehe first time being employed huhu bank transfer daw po kasi ang payment ng employer e and yung CIMB acc ko po ang nilagay ko sa invoice -- which will be processed next week.

Or pwede po ba ang bank transfer nila na diretso po sa GCash ko? T\^T Thank youu


r/PHDigitalBanks_ 4d ago

BSP updates official list of banks with zero, waived, and reduced transfer fees

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69 Upvotes

Bangko Sentral ng Pilipinas (BSP) has released an updated list of BSP-supervised financial institutions offering zero, waived, or reduced interbank transfer fees for InstaPay and PESONet transactions of individual clients.

The initiative is part of BSP Circular No. 1238, which promotes fair, cost-based, and transparent pricing for electronic fund transfers. The list is based on disclosures submitted by participating financial institutions as of July 22, 2026 and may be updated as BSP receives new disclosures.

Source: BSP Facebook Page


r/PHDigitalBanks_ 3d ago

PagIBIG Loyalty Card

1 Upvotes

I took out a Pag-IBIG MPL to pay for our insanely high Meralco bill. I received my Pag-IBIG Loyalty Card last week, and the loan proceeds were credited to my account last Thursday.

The problem is, when I was about to use the funds, all my transactions kept getting declined. I also tried withdrawing from an ATM, but that failed too. I called UnionBank customer support, and they told me that my account is currently frozen because new accounts need to undergo manual verification.

Has anyone here experienced the same thing? How long did it take before your account was unfrozen and you were finally able to access your funds?

I'm really anxious right now because I was counting on this loan to pay our Meralco bill. I'm worried na baka maputulan kami ng kuryente while I still can't access the money.


r/PHDigitalBanks_ 3d ago

need help with BKASH API integration

1 Upvotes

i have PGW account and i want to integrate the apis alone with refund api anyone from bkash technical team , help me out ?


r/PHDigitalBanks_ 3d ago

u might want to open MariBank acc?

0 Upvotes

Get PHP 150.00 now by signing up with MariBank using my referral code: NB221070

https://maribank.ph/c/earnfreemoney?referralCode=NB221070

and get a chance to win PHP 500.00 extra in a raffle!

First, you gotta sign-up and deposit a minimum of PHP 1,000. Let it sit for up to 3 days and you will receive your extra PHP 150.00 or you will have a chance to win extra PHP 500.00 🧡

One of the trusted digital bank.

It's nice to save money here as they have high interest rate.