Insurance and safety
Use this section when you want the safety boundary before you chase the highest rate.
Explainer
Safety guide
PDIC 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.
7 min readApr 13, 2026
Read nowSafety rule
Coverage comes before yield
Use the PDIC limit to decide how much can stay in one bank. Once the balance is safe, compare the rate and product mechanics.
Supporting reading
Product mechanics that affect safety decisions
The point is not to avoid risk entirely. The point is to understand the limit so you can keep the part that needs protection inside the insured boundary.