Digital Bank reviews from Reddit
Summary
We analyzed 753 Reddit reviews across 12 subreddits and 97 posts to rank the best Digital Bank brands recommended by redditors, including communities like r/DigitalbanksPh, r/phinvest, r/adultingphwins, r/Bahrain, r/Banking. Top-rated brands include SeaBank (4.5/5), GoTyme (4.3/5), MAYA (4.1/5).
Stats
Reviews753
Subreddits12
Posts97
Brands65
Products8
753 reviews from
and
By Brand
/By Product
#1
SeaBank
4.5
(213)
"I would say seabank talaga, user since 2022 and okay siya 4% per month then you have 15 free transfer (bank to bank, etc) meron rin sila card that you could buy para good as debit card na rin siya."
"Seabank 👍 4% annual rate free 15 instapay everyweek"
"Best feature pa ng Seabank is yung 1% cashback in every purchase when you use their card."
"Seabank!! Free 5 cash in and 15 transfers. very useful"
"SEABANK!!!"
"Seabank talaga mauubos ung pera sa gnda ng 15x free transfer"
"SeaBank and GoTyme for me. I love that in GoTyme you can split your money into different accounts and SeaBank has 15 free transfers a week + a nice ui"
"I use seabank for my business. Laking tulong ng 15x per week na free transfer and napaka flexible niya and UI friendly ng app."
"Seabank, advantage yung 15 free transfers per week."
"For me Seabank is top 1 for now. I tried out Maya before pero you need gumastos para lumaki interest na kikitain mo per day"
#2
GoTyme
4.3
(112)
"If saving ang priority mo, like me, GoTyme ang best choice."
"SeaBank and GoTyme for me. I love that in GoTyme you can split your money into different accounts and SeaBank has 15 free transfers a week + a nice ui"
"Pwede mo ilagay sa gosave pera mo, safe siya"
"For me Gotyme. Very user friendly."
"Gotyme the best. Puro tap to pay lang sa lahat ng European countries."
"I used gotyme nung nag hk kami and very helpful."
"GoTyme had no problems with it."
"I use GoTyme! Free ang Visa card nila. Super duper convenient."
"GoTyme by far."
"Gotyme - EF and Pang Luho"
#3
MAYA
4.1
(106)
"My go-to wallet is Maya as it has several features like bills payment"
"Automatic 6%, wala ka kelangan na mission"
"I'd recommend availing the 10% boost via grab/lazada hack and parking your 100k in maya."
"I personally use Maya then put some in TD sa Maya :) Mas tumataas pa interest"
"Maya.. time depo mo ng 6 months before 6%, now 5.5%.. good pa din"
"Waiting nalang matapos yung nasa isang digi bank ko na nag eearn ng 10% p.a monthy."
"Enjoying the cashback so far."
"My go-to is: First, MAYA."
"Maya!! I used my Maya card conveniently."
"Maximize MAYA and OWNBank."
#4
CIMB
4.2
(65)
"CIMB digital bank has 12% per annum rate"
"These are my trusted digital banks and have been reliable for a long time now."
"Cimb is the best because of the promos and ease of use."
"Gold - Cimb"
"Cimb padin on top grabe"
"Sa CIMB pinakamadali mag cash in for me"
"Cimb is up to 15% p.a. capped at 200k"
"I've got a lot of bank accounts but majority of my savings is nasa CIMB."
"CIMB heheh long time user na rin kasi"
"CIMB, Tonik,Unobank."
#5
Go Tyme
4.6
(42)
"All in all, 10000/10 ang GoTyme for me."
"I would recommend GoTyme bank if that is the purpose."
"GoTyme, GCash (hehehe) and Sea Bank 🥳"
"Best digital bank for me is GoTyme."
"Gotyme! It’s good and cheap when you do transfers."
"GoTyme just released their USD Time Deposit with up to 3.5% interest."
"Highly recommended."
"Sila top 3 if need mo ng Digital bank for daily use."
"I love Gotyme, CIMB, Maya, and Seabank."
"If you don't want to do any missions and want your funds to be liquid as well, I suggest parking them in GoTyme."
#6
OwnBank
4.5
(29)
"OwnBank po kasi may 6% interest at daily din po makikita yung nadagdag na interest."
"If saving lang tlaga and let your money grow, then consider opening OwnBank since they have the"
"Park the 300k sa ownbank for 6% and 100k lang sa maya for 10%."
"Ownbank 6% p. a."
"The highest interest rate right now sa digital banking industry is yung offer ng Ownbank, which still stands at 6% P.A. interest."
"Ownbank"
"I suggest the highest interest right now which is OwnBank at 6% p.a."
"Ownbank is 6% daily interest"
"Ownbank for me"
"I have OwnBank. 6% pa."
#7
Tonik
4.1
(23)
"I have had no problems with them and been using them for over a year."
"Try to use Tonik, they have stashes wherein you can save on different things."
"Tonik for me."
"Tonik and seabank"
"I use Tonik. 😅 Kahit mababa ang annual compared sa iba mas gusto ko siya kasi never ako nagka-problema."
"###### Tonik - user friendly."
"TONIK."
"Im using tonik, its fairly good"
"Tonik and union digital they are underrated"
"Tonik and Seabank for me."
#8
netbank
4.3
(20)
"Netbank currently has the highest TD rate @ 7% for 1 yr tenor."
"Netbank! UI is very straightforward, very clean, and minimalist."
"For purely savings, I suggest Netbank and Ownbank."
"OwnBank and Netbank would be good choices to park your funds since 6% per annum sila."
"I have Netbank never failed a transfer for me."
"Netbank for me. Availed their 9% 1-yr TD last Jan 2023."
"Netbank for me! Availed their 9% 1-yr TD last Jan 2023."
"Netbank, CIMB and GoTyme also fits your criteria"
"Netbank is a bank to consider"
"I also love Netbank especially now that Ownbank interest has gone down to five percent."
#9
OWN Bank
4.7
(18)
"Enjoy FREE transfers and up to 8% p.a. interest with OwnBank."
"Sa Ownbank, 6% ang interest PA, same with Netbank."
"Ownbank. Madami ways to cash in."
"OwnBank for Savings. 6% interest, no cap."
"Ownbank."
"Woould recommend Own Bank"
"OwnBank has 6% if you want."
"Ownbank 6% ang interest rate and can go up to 16%."
"OwnBank and Netbank would be good choices to park your funds since 6% per annum sila."
"Malaki ang interest rate p.a."
#10
UNO
4.7
(18)
"I’m using GSave by UNO in gcash! Up to 6% interest annually yung time deposit."
"I really love the high interest rates in digital banks😁"
"I have UNO digital right now cuz of their high interest rates ☺️"
"Best for time deposit."
"Highly recommended."
"Uno bank! unli free transfers, tataas pa interest rates compared sa ibang digibanks."
"Uno digital bank! consistent rates for me unlike other competitors"
"UNO DIGITAL BANK. Pwede multiple 50k instapay fund transfer PER DAY."
"I got ownbank, seabank, and uno."
"UNO Bank is fantastic! I love the option to open 5 Time Deposit accounts."
#11
GoTyme Bank
4.3
(10)
"I think gotyme is perfect for you"
"Try Gotyme Bank. May 3x reward points pag ginamit sa Robinsons Supermarket"
"If malapit lang Robinsons and their affiliated stores - GoTyme Bank"
"GoTyme - the BEST customer support"
"Try using GoTyme, madali lang gumawa ng acc and may mga perks din"
"Gotyme"
"Go with GoTyme"
"Gotyme gives you 3x more gorewards points if you use the card to purchase in partner brands."
"I like Gotyme kz you can put money into different "pockets" aside sa main, tsaka ung UI nya is maganda, with 3 free withdrwals weekly"
"GoTyme is ok naman kaso monthly yung interest."
#12
Diskartech
4.6
(8)
"Kung below 50k ang pera ayos sa diskartech nga. easy withdrawal and deposits."
"Diskartech if your fund is lower than 49k. It gives 6.5% interest per annum."
"Diskartech if your fund is lower than 49k. It gives 6.5% interest per annum."
"6.5%."
"Personally, I'll pick DiskarTech, CIMB, GoTyme. But all of them are good."
"Diskartech 6% per annum pero hanggan 49,700 lang"
"Highest non-promo rate ay Diskartech @6.5% p.a."
"Anyone here using diskartech as well?"
#13
Lemoneyd
4.0
(7)
"Check lemoneyd.com they list all the digital banks along with interest rates of savings and time deposit accounts."
"Please check www.lemoneyd.com to compare the available rates in the market."
"You can get a higher rate for the first month."
"Check [lemoneyd.com](http://lemoneyd.com) for the interest rates of Time deposit products based on their tenor."
"You will see the overview (interest rates, features, time deposits) of all Digital banks."
"Go to lemoneyd.com and compare. If interest rates, obvious naman ano best."
"Check the Lemoneyd site."
#14
KOMO
4.0
(6)
"Isa lang digital bank na pinaglalagyan ko ng EF at ginagamit sa ATM: Komo."
"Cash Withdrawals."
"My main driver is Maya."
"With debit card na free withdrawal to all EW banks."
"Their UI is decent and cute din nung turquoise Visa card nila hehe."
#15
Gcash
2.9
(8)
"Gcash visa card for me."
"From experience, GCash has the best FX rate."
"GCash for lower rates and minsan GoTyme din."
"For Quick Transaction : Gcash"
"I only used my gcash card in Vietnam since they offer good exchange rates."
"While the latter nakakahiya gamitin in public kasi either down or masyadong mabagal"
"Anything else wag lang gcash. CS is cruel"
"Yeah, Gcash is shit, Maya is heading the same way."
#16
UNO Digital Bank
4.0
(4)
"The best customer service ang features nila like free unli instapay transfer etc."
"Go for uno digital bank, consistent sa rates."
"Tried UNO Digital bank. They have high interest rates for their savings account."
"Thoughts on Uno Digital Bank? Can you easily withdraw after maturity?"
#17
MP2
5.0
(3)
"MP2 nalang sa pag ibig OP"
"Try MP2 para lalong di mo magalaw."
"Better do it in MP2 since it is tax free, if you're looking for extra passive income."
#18
pdax
4.7
(3)
"10% po."
"May nakita ako sa article ni bitpinas na okay si pdax, ngayon meron event si pdax na 10% apy per month"
"I would recommend PDAX since they are already a crypto platform."
#19
Digital Bank
3.7
(3)
"Digital banks usually offer higher interest rates, around 5.25% to 6.17% APY, and often have fewer or no fees and lower or no minimums."
"Digital banks offer higher rates and are safe. Look for FDIC insurance for security."
"Walang best digital bank. May kanya kanya silang lamang sa bawat isa."
#20
BPI
3.7
(3)
"Direct sa Bpi app Ako nagbabayad ng bills."
"BPI Todo Savings"
"Try to diversify. Seabank, Maya, Gotyme, CIMB or BPI."
#21
Standard Chartered Bank
5.0
(2)
"International bank like scb is always the best of the best."
"Standard Chartered Bank Brunei has for the ninth time won Best Digital Bank."
#22
Union Digital
4.5
(2)
"Thoughts Union digital"
"Ubeh bank (union digital)"
#23
BisB
4.0
(2)
"I highly recommend dealing with BisB or Alsalam bank, I have accont in BisB and they are very good."
"Can open account in BISB throught their app."
#24
UNO Bank
4.0
(2)
"Underrated, decent rates. they have a lot of products to choose to."
"Free transfers and pwede ka rin magbayad ng bills."
#25
Unobank
4.0
(2)
"Diversify per 500k, Seabank, Unobank, Maya, Netbank, CIMB."
"If you are not planning to use the money for load or purchasing anything, as in pure savings and EF lang talaga, then I would go sa time deposit ng unobank and ownbank."
#26
Al Salam Bank
4.0
(2)
"I recommend al Salam bank"
"Al salam bank have a good app where you can open your account online and also multi currency option."
#27
Banco Filipino
3.5
(2)
"So far I'm happy with Banco Filipino"
"Banco Filipino - "Subok na matibay. Subok na matatag"."
#28
PNC
5.0
(1)
"Is PNC's online HYSA offered in your market?"
#29
Wio
5.0
(1)
"+1 for Wio"
#30
ADCB
5.0
(1)
"ADCB haayak will do better. No minimum wage required, even no minimum balance to keep."
#31
ADIB
5.0
(1)
"ADIB and ADCB Hayyak are the best.... if they accept you that is"
#32
Mercury
5.0
(1)
"I have been involved with a US based foreign startup, Mercury was our choice."
#33
Found
5.0
(1)
"I've heard good things about Found."
#34
BPI BanKo
5.0
(1)
"BPI BanKo has 5% p.a. up to 1m"
#35
Ally Bank
5.0
(1)
"Ally Bank stands out for several reasons."
#36
UnionDigital Bank
5.0
(1)
"UnionDigital Bank."
#37
UnionDigital
5.0
(1)
#38
ILA
5.0
(1)
"Honestly nothing comes close to ILA …"
#39
Robinsons
5.0
(1)
"5% interest p.a.: no missions, no limits."
#40
CFG
5.0
(1)
"I use CFG which has an online hysa and happens to have branches in MD near me."
#41
BPI Banko Todo Savings
4.0
(1)
"Reliability-wise they are better than most in this list and they have 5% int. p.a."
#42
Unionbank
4.0
(1)
"Unionbank or Maya"
#43
Capital One
4.0
(1)
"That’s why I picked Capital One."
#44
Synchrony
4.0
(1)
"There are probably 30 online digital only banks that have good customs service."
#45
Mayabank
4.0
(1)
"OK din ang Mayabank."
#46
Cebuana
4.0
(1)
"Cebuana micro-savings"
#47
Landbank
4.0
(1)
"Landbank for me tsaka passbook ng PNB."
#48
Union Digital Bank
4.0
(1)
"Union Digital Bank."
#49
Tyme
4.0
(1)
"Go Tyme for me. Been using for 1 year and so far okay naman."
#50
Chinabank
4.0
(1)
"I use Chinabank (20%), Gotyme (40%) and Seabank (40%) as my emergency fund storage."
#51
RCBC Diskartech
4.0
(1)
"Maganda customer service ng Diskartech."
#52
Union Bank
4.0
(1)
"Union bank."
#53
RCBC
4.0
(1)
"I recommend DiskarTech by RCBC. 6.5% p.a interest kaya lang may ceiling ung pag deposit eh hindi pwede more than 50k."
#54
BDO
4.0
(1)
"BDO may promo check mo deals nila."
#55
CIMB UpSave
4.0
(1)
"I recommend CIMB since pwede gumawa ng separate UpSave account."
#56
HYSA
4.0
(1)
"Place it in HYSA/digital banks (to earn additional passive income while staying liquid)"
#57
HBL
4.0
(1)
"I prefer HBL's app and also Meezan"
#58
Meezan
4.0
(1)
"Meezan’s Roshan digital account app have same kind of interface"
#59
GIB
4.0
(1)
"Meem by GIB"
#60
Wise
4.0
(1)
"Wise"
#61
NBB
4.0
(1)
"Try NBB. Have a decent application."
#62
Metrobank
4.0
(1)
"If you are 21+ and still a student, you can try a prepaid account(metrobank) or Cash Card(BDO)..."
#63
Digital Banks
4.0
(1)
"Digital banks allow you to create goals."
#64
BFC Pay
3.0
(1)
"I think BFC Pay has multi currency feature never tried out myself though."
#65
Traditional Bank
2.0
(1)
"Use a traditional bank's digital banks are risky, in some cases they hold your money because of "suspecious activities"."
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