Product mechanics
Compare how the products work before you compare the headline rate.
Mechanics guide
How time deposits, T-Bills, and UITFs work in the Philippines
Learn the tradeoffs between locked bank deposits, government securities, and pooled investment funds.
Compare the mechanics
Liquidity, tax, and risk decide the winner
A product with a lower headline rate can still be the better choice if it is easier to access, less risky, or more tax efficient.
Supporting reading
Foundational guides for product comparisons
Tax explainer
ExplainerFinal Withholding Tax explained: the 20% cut on savings interest in the Philippines
Learn how the 20% final withholding tax reduces bank interest, what products are taxed, and what the tax-exempt exceptions mean.
Safety guide
ExplainerPDIC insurance explained: how your deposits are protected
Understand the PHP 1,000,000 PDIC coverage limit, what it protects, and how to split deposits above the cap.
This section is where rate comparison starts to become useful. Once you understand the mechanics, the calculator and the rate desk can actually answer the question you care about.