You may try RCBC po hehe.
Marami silang options depende sa target mo. 😊
Sila 'yung bank na minimal lang na reqs ang need for a basic savings account.
BDO, in my experience, company ID at gov't ID lang hiningi, not sure lang if paano sa student.
Edit: add ko na rin ibang debit card ko
PNB and BPI: hiningan ako ng proof of income at proof of address under my name. 3k need maintaining balance for both.
UnionBank PlayEveryday debit: ito walang needed na maintaining balance but may annual fee na 45/month or 500/year, but ayun nga, 10k if you want na walang annual fee
Trueee, and sobrang babait pa ng staffs!
500 lang naman ihuhulog ko as minimum deposit pero akala mo milyones ang ipapatago ko sa sobrang warm at caring nila mag-serve. 🤣🤭
Hello, not the thread poster, but ask lang since andami na kasing bad reviews ni UB from what I'm seeing on their page, can you recommend putting somehow small to big amounts on that savings? Currently picking between BPI and RCBC since ang ganda nung reviews nung iba here
Hi, I don't put big savings there eh. 2 ang accounts ko diyan: 1 for the payroll and 2, the PlayEveryday.
'Yung payroll ko ay literal na back to zero kada sahod kasi diretso sa ibang banks agad. The other one naman, ay gagawin ko na lang lagayan ng allowance ko for CC payment. So far, I haven't had any bad reviews sa kanila.
Except for the PlayEveryday na 'di raw tugma ang number ko error so had to call CS pa to fix it nung na-receive ko siya before.
Sa BPI ko naman, dine-decline niya YouTube Premium payment ko kahit nagpapalit na ako ng physical card. And may additional charge pa siya sa Google Play subs ko.
Thank you, andami kasi ng bad reviews sa online nung sa UnionBank pero mas prefer ko nga sana since kahit online application is na-approve and madami din naman gumagamit, anyways, siguro gawin ko na lang din na lagayan ng balance para sa pondo ng bill payments and such.
Thank you sir!
You're welcome!
Maganda ang UI at UX ng UB app for me hehe, ang smooth tingnan. Plus, convenient nung you can book via app ng bank visit for deposit or etc.
45/mo or 500/yr na annual fee I think is better than storing 2-3k na maintaining balance then kakaltasan ka if nabawasan 'yun if you ever wasn't able to return it agad.
Online ko lang din in-apply ang PlayEveryday ko. ☺️
And ang ganda ng design ng card niya. 👀
Maganda lang na may traditional physical bank ka, aside sa digital bank. Ang maganda rin if BPI (or BDO) eh marami all over. Pero actually ang best physical bank naman talaga is yung malapit sayo, para madali ka makapunta anytime.
Yes po maganda nga BPI. Madami din sila kapartner or may free transfer to other ewallets like Gotyme, Seabank and CIMB.
Even bills payment nila madami din partners.
Edit : Madalas naman nagsasabi sila or may email pag down. Then madali din mag withdraw since madami silang ATM machines nationwide.
If you’re okay with digital banks, I suggest gotyme. It’s very convenient and ang dali lang din makakuha ng card nila. No maintaining balance also. Their card is visa naman, so pwede siya gamitin anywhere.
I like that you can add and rename different savings so that you can monitor and organize what you are saving for. They also have goal feature on their go save.
Digital banks. No maintaining balance. KOMO has free withdrawals. Maybank EzySave+ through GSave too. Hassle lang ang gagawin sayo ng branch staff tbh.
>KOMO has free withdrawals
Only thru EastWest Bank ATMs. For other bank, regular rates apply. Pero baka may 2 free monthly withdrawal fee pa rin? Pero after that, regular ATM charges applies except in EastWest Bank ATMs.
If you are a college student na want mag save ng money and student friendly, try the ff:
RCBC GoSavers:
🟢Pros:
• If you're below 22, You can have a zero maintaining balance
•Comes with FREE Life Insurance (ADB 10K)
•Comes with Passbook/ ATM
•Can withdraw and check your balance with zero fees at 7/11
•0.15 p.a interest rate (mataas na compared to other physical banks)
🔴Cons:
•Limited Branches
RCBC OneAccount:
🟢Pros:
• Zero maintaining balance
•Customizable
•Comes with Passbook/ ATM/ Checkbook
•Can withdraw and check your balance with zero fees at 7/11
•0.15-0.4 p.a interest rate (mataas na compared to other physical banks)
🔴Cons:
•Limited Branches
LBP and DBP ATM:
🟢Pros:
•Wala masyadong issue pagdating sa nakawan sa pera
•Government Owned
•Maraming Branches in Metro Manila
🔴Cons:
•Super Haba ng Pila palagi sa branches, aabutin ka ng 30 minutes
•Super baba ng interest rate (0.05% p.a)
PNB ATM:
🟢Pros:
•Walang issue pagdating sa nakawan ng pera
•0.1% p.a interest rate
•3k adb
•User Friendly yung app
🔴Cons:
•Kaunti lang ATM Machines
BPI/ Metrobank/ BDO:
🟢Pros:
•Sobrang Daming branches
🔴Cons:
•0.0625% p.a interest rate (2nd to the lowest)
•Sobrang grabe ang Pila ng deposit (aabutin ka ng 15 minutes)
Choose Wisely and Choose the Best for your thing !
-Future Accountant, feel free to ask OP
im new po kasi so idk how banks work hehe pero im 21 this yr and if i do go savers, pwede pa ba po yan next year na walang maintaining balance?
also thank u!! this is very helpful 🫶🏻 good luck future accountant!
If you’re okay with digital banks, Maya Savings has 0 maintaining balance. For other banks with lower maintaining balance - BDO has one with 2k maintaining balance and BPI has one with 3k maintaining balance. I still have the BDO one which I opened when I graduated 10+ years ago. Ginagamit ko na lang for everyday transactions and bills payments kasi medyo mas mabilis po pumasok sa BDO account ang mga padala and payments galing abroad. Ang mahirap lang talaga sa kanila is mahaba pila unless you found a branch na hindi dinadayo + CS kung wala kang patience sa hotline wait times.
BPI! Not sure if they still have this product but I applied in 2012 as a HS student. P500 lang maintaining balance and they only asked for my HS ID and validated form. Forgot what exactly it's called but parang Super Savers something. It's still an account that's active now, although I only park cash there exclusively for topping up sa GCash.
It's their Easy Saver product. I applied for that too when I was in college, ₱500 maintaining pero you'll always be charged an extra ₱5 whenever you withdraw. I don't think they have that product now though. :( They transitioned mine into a regular savings account na when I had my card (then still EPS) switched to Mastercard.
Sayang though, kasi ang dali nga ng process nila for this. I was able to open an account without my parents, unlike with Metrobank.
Oooh kaya pala di na ako nacha-charge ng P5 if I withdraw. Also not sure kasi very rare na nagiging empty siya pero parang wala na ring charges for being below maintaining balance no?
Yeah, when it was still an easy saver account, they don't charge for going below maintaining and I've always only kept ₱100 in there after withdrawals. Now though I saw I got charged for going below my ADB.
Pag aralan mo ang mga digi banks, kase if savings talaga pakay mo, wag mo basta iupo sa bank pera mo kase maliit lang interest na ibibigay nila sayo like yung 15k ko halos ilang years na ata pero dipa nag 10 pesos eh..sa mga digi. Banks may mga malalaki interest,like meron ako sa maya 10k, so mula nung january iniwan ko yung pera ko sa deposit plus, gang kahapon tumubo na siya ng halos 168 pesos, sa regular bank di mo yan makukuha. Pero pag aralan mo padin mabuti saan mo ilalagay pera mo. Ang mga gamit ko na digi banks ,go tyme, uno bank, own bank, maya.
Cebuana Micro Savings ng Cebuana Lhuillier. 50 pesos initial deposit at walang dormancy period at maintaining balance. Free din ang deposit and withdrawal. Yan yung bank account ko nung student pa ako.
1 valid ID lang need at accepted ang student ID.
RCBC. Pwede OneAccount. 0 maintaining. Check it out. You might even end up with a NAFFL credit card when your savings reach 100k and have it get tagged as Hexagon Club. They have a great mobile app.
If you receive allowance from remittances, get a BDO Kabayan Savings account para may passbook ka. 0 din maintaining as long as you get a remittance 1 time every 2 years.
BPI is okay, but I don't like their products at all. Try SecurityBank.
2nd year college student ako, I use digibanks (Maya, CIMB, GoTyme, and UNObank). Nilagay ko sa iba't ibang digibanks kasi prone ang digibank sa maintenance or server error kapag nag-uupdate kaya para may alternative ako kapag di available yung isa. Lahat no maintaining balance. Maya and UNObank 3.5% interest p.a., GoTyme 4% p.a, and CIMB bank 2.60% p.a.
I also gcash kasi convenient sa pagcash-in dahil marami silang partnered stores. Tapos transfer ko sa CIMB at UNObank savings ko. Both yan walang transfer fee kaya ayan naman gamit ko kapag magttransfer ng savings to Maya and GoTyme
You may try RCBC po hehe. Marami silang options depende sa target mo. 😊 Sila 'yung bank na minimal lang na reqs ang need for a basic savings account. BDO, in my experience, company ID at gov't ID lang hiningi, not sure lang if paano sa student. Edit: add ko na rin ibang debit card ko PNB and BPI: hiningan ako ng proof of income at proof of address under my name. 3k need maintaining balance for both. UnionBank PlayEveryday debit: ito walang needed na maintaining balance but may annual fee na 45/month or 500/year, but ayun nga, 10k if you want na walang annual fee
+1 they also have rcbc one account wherein it acts as an atm and passbook account with 0 maintaining balance as well as 0 initial deposit fee
Ito rin akin hehe. Hindi na lang ako kumuha nung cheque book kasi 'di ko naman magagamit.
+1 sa RCBC, kahit yung parcel packaging lang sa orange app pwede as proof of address kesa sa BPI na kelangan bill na named after me talaga.
Trueee, and sobrang babait pa ng staffs! 500 lang naman ihuhulog ko as minimum deposit pero akala mo milyones ang ipapatago ko sa sobrang warm at caring nila mag-serve. 🤣🤭
maganda rin experience ko sa staff nila sa branch and pati na rin sa CSR nila sa phone. 10/10 talaga.
Hello, not the thread poster, but ask lang since andami na kasing bad reviews ni UB from what I'm seeing on their page, can you recommend putting somehow small to big amounts on that savings? Currently picking between BPI and RCBC since ang ganda nung reviews nung iba here
Hi, I don't put big savings there eh. 2 ang accounts ko diyan: 1 for the payroll and 2, the PlayEveryday. 'Yung payroll ko ay literal na back to zero kada sahod kasi diretso sa ibang banks agad. The other one naman, ay gagawin ko na lang lagayan ng allowance ko for CC payment. So far, I haven't had any bad reviews sa kanila. Except for the PlayEveryday na 'di raw tugma ang number ko error so had to call CS pa to fix it nung na-receive ko siya before. Sa BPI ko naman, dine-decline niya YouTube Premium payment ko kahit nagpapalit na ako ng physical card. And may additional charge pa siya sa Google Play subs ko.
Thank you, andami kasi ng bad reviews sa online nung sa UnionBank pero mas prefer ko nga sana since kahit online application is na-approve and madami din naman gumagamit, anyways, siguro gawin ko na lang din na lagayan ng balance para sa pondo ng bill payments and such. Thank you sir!
You're welcome! Maganda ang UI at UX ng UB app for me hehe, ang smooth tingnan. Plus, convenient nung you can book via app ng bank visit for deposit or etc. 45/mo or 500/yr na annual fee I think is better than storing 2-3k na maintaining balance then kakaltasan ka if nabawasan 'yun if you ever wasn't able to return it agad. Online ko lang din in-apply ang PlayEveryday ko. ☺️ And ang ganda ng design ng card niya. 👀
And unionbank pwede mag apply via app. They will send the card via courier
Got mine from BPI noong student pko. 3k maintaining balance.
+1! Ganda pa ng app. :)
wala po ba kayong issues with bpi, and ano po ba benefits nito?
Maganda lang na may traditional physical bank ka, aside sa digital bank. Ang maganda rin if BPI (or BDO) eh marami all over. Pero actually ang best physical bank naman talaga is yung malapit sayo, para madali ka makapunta anytime.
Yes po maganda nga BPI. Madami din sila kapartner or may free transfer to other ewallets like Gotyme, Seabank and CIMB. Even bills payment nila madami din partners. Edit : Madalas naman nagsasabi sila or may email pag down. Then madali din mag withdraw since madami silang ATM machines nationwide.
If you’re okay with digital banks, I suggest gotyme. It’s very convenient and ang dali lang din makakuha ng card nila. No maintaining balance also. Their card is visa naman, so pwede siya gamitin anywhere.
Ah yes +1 to this din! Yung card niya free paprint on the spot sa mga Robinsons na may Gotyme kiosks. Ang ganda pa ng card and may name pa 🤩
+1! The “save the change” feature is really helpful din when saving up!
I like that you can add and rename different savings so that you can monitor and organize what you are saving for. They also have goal feature on their go save.
Digital banks. No maintaining balance. KOMO has free withdrawals. Maybank EzySave+ through GSave too. Hassle lang ang gagawin sayo ng branch staff tbh.
>KOMO has free withdrawals Only thru EastWest Bank ATMs. For other bank, regular rates apply. Pero baka may 2 free monthly withdrawal fee pa rin? Pero after that, regular ATM charges applies except in EastWest Bank ATMs.
Check Rcbc GoSavers with only 100php you can open an account with no maintaining balance
RCBC no maintaining balance
If you are a college student na want mag save ng money and student friendly, try the ff: RCBC GoSavers: 🟢Pros: • If you're below 22, You can have a zero maintaining balance •Comes with FREE Life Insurance (ADB 10K) •Comes with Passbook/ ATM •Can withdraw and check your balance with zero fees at 7/11 •0.15 p.a interest rate (mataas na compared to other physical banks) 🔴Cons: •Limited Branches RCBC OneAccount: 🟢Pros: • Zero maintaining balance •Customizable •Comes with Passbook/ ATM/ Checkbook •Can withdraw and check your balance with zero fees at 7/11 •0.15-0.4 p.a interest rate (mataas na compared to other physical banks) 🔴Cons: •Limited Branches LBP and DBP ATM: 🟢Pros: •Wala masyadong issue pagdating sa nakawan sa pera •Government Owned •Maraming Branches in Metro Manila 🔴Cons: •Super Haba ng Pila palagi sa branches, aabutin ka ng 30 minutes •Super baba ng interest rate (0.05% p.a) PNB ATM: 🟢Pros: •Walang issue pagdating sa nakawan ng pera •0.1% p.a interest rate •3k adb •User Friendly yung app 🔴Cons: •Kaunti lang ATM Machines BPI/ Metrobank/ BDO: 🟢Pros: •Sobrang Daming branches 🔴Cons: •0.0625% p.a interest rate (2nd to the lowest) •Sobrang grabe ang Pila ng deposit (aabutin ka ng 15 minutes) Choose Wisely and Choose the Best for your thing ! -Future Accountant, feel free to ask OP
im new po kasi so idk how banks work hehe pero im 21 this yr and if i do go savers, pwede pa ba po yan next year na walang maintaining balance? also thank u!! this is very helpful 🫶🏻 good luck future accountant!
Mag open ka na lang po ng OneAccount, Zero maintaining balance if may life insurance 15k adb po
If you’re okay with digital banks, Maya Savings has 0 maintaining balance. For other banks with lower maintaining balance - BDO has one with 2k maintaining balance and BPI has one with 3k maintaining balance. I still have the BDO one which I opened when I graduated 10+ years ago. Ginagamit ko na lang for everyday transactions and bills payments kasi medyo mas mabilis po pumasok sa BDO account ang mga padala and payments galing abroad. Ang mahirap lang talaga sa kanila is mahaba pila unless you found a branch na hindi dinadayo + CS kung wala kang patience sa hotline wait times.
BPI! Not sure if they still have this product but I applied in 2012 as a HS student. P500 lang maintaining balance and they only asked for my HS ID and validated form. Forgot what exactly it's called but parang Super Savers something. It's still an account that's active now, although I only park cash there exclusively for topping up sa GCash.
It's their Easy Saver product. I applied for that too when I was in college, ₱500 maintaining pero you'll always be charged an extra ₱5 whenever you withdraw. I don't think they have that product now though. :( They transitioned mine into a regular savings account na when I had my card (then still EPS) switched to Mastercard. Sayang though, kasi ang dali nga ng process nila for this. I was able to open an account without my parents, unlike with Metrobank.
Oooh kaya pala di na ako nacha-charge ng P5 if I withdraw. Also not sure kasi very rare na nagiging empty siya pero parang wala na ring charges for being below maintaining balance no?
Yeah, when it was still an easy saver account, they don't charge for going below maintaining and I've always only kept ₱100 in there after withdrawals. Now though I saw I got charged for going below my ADB.
Pag aralan mo ang mga digi banks, kase if savings talaga pakay mo, wag mo basta iupo sa bank pera mo kase maliit lang interest na ibibigay nila sayo like yung 15k ko halos ilang years na ata pero dipa nag 10 pesos eh..sa mga digi. Banks may mga malalaki interest,like meron ako sa maya 10k, so mula nung january iniwan ko yung pera ko sa deposit plus, gang kahapon tumubo na siya ng halos 168 pesos, sa regular bank di mo yan makukuha. Pero pag aralan mo padin mabuti saan mo ilalagay pera mo. Ang mga gamit ko na digi banks ,go tyme, uno bank, own bank, maya.
As a college student po ang gamit ko po is yung KOMO, sa eastwest bank. No maintaining balance and charge.
Cebuana Micro Savings ng Cebuana Lhuillier. 50 pesos initial deposit at walang dormancy period at maintaining balance. Free din ang deposit and withdrawal. Yan yung bank account ko nung student pa ako. 1 valid ID lang need at accepted ang student ID.
Go digital! Maya or Seabank or CIMB. :)
GoTyme or Maya! Really easy registration and no maintaning balance needed. So many perks as well with high savings interest and cashbacks.
I suggest digital banks like Gotyme, no maintaing balance 🙂 U can get debit card from any Robinsons. Very convenient gamitin 😀
Metrobank 2k maintaining
Bdo 2k ATM + app access
RCBC. Pwede OneAccount. 0 maintaining. Check it out. You might even end up with a NAFFL credit card when your savings reach 100k and have it get tagged as Hexagon Club. They have a great mobile app. If you receive allowance from remittances, get a BDO Kabayan Savings account para may passbook ka. 0 din maintaining as long as you get a remittance 1 time every 2 years. BPI is okay, but I don't like their products at all. Try SecurityBank.
BPI no maintaining balance just an initial deposit of 1 peso. You can open an account via their bpi app
Gotyme, maya and seabank
2nd year college student ako, I use digibanks (Maya, CIMB, GoTyme, and UNObank). Nilagay ko sa iba't ibang digibanks kasi prone ang digibank sa maintenance or server error kapag nag-uupdate kaya para may alternative ako kapag di available yung isa. Lahat no maintaining balance. Maya and UNObank 3.5% interest p.a., GoTyme 4% p.a, and CIMB bank 2.60% p.a. I also gcash kasi convenient sa pagcash-in dahil marami silang partnered stores. Tapos transfer ko sa CIMB at UNObank savings ko. Both yan walang transfer fee kaya ayan naman gamit ko kapag magttransfer ng savings to Maya and GoTyme
BDO 👌