FinanceHero / Philippines / Banking
See fees, balance requirements, ATM costs, cards and digital access side by side.
Savings accounts
| Account | Balance / monthly fee | ATM / transfers | Card / app | Eligibility | Key caveat |
|---|---|---|---|---|---|
BPIRegular Savings | Opening PHP 3,000; monthly average daily balance PHP 3,000.Fall-below charges apply after two consecutive months below required ADB; current fee amount not verified.Interest: 0.0625% yearly with daily balance at least PHP 5,000. | ATM: Not availableTransfers: Not available | Debit card: YesApp: Not available | Not available | Maintaining balance and interest threshold differ. ATM/transfer charges not established; dormant accounts do not earn interest. |
BDO UnibankATM Savings | Opening PHP 2,000; monthly average daily balance PHP 2,000.PHP 300 fall-below fee after two consecutive months below required MADB.Interest: Gross 0.0625% yearly with PHP 5,000 balance; 20% withholding tax on interest. | ATM: Not availableTransfers: Not available | Debit card: YesApp: Not available | Valid photo/signature ID. Online opening requires selfie and video evaluation; fund within seven days of approval. | PHP 300 closure fee within 30 days. Dormancy fees conditional on inactivity and low balance; ATM/transfer fees not verified. |
Checked: 7 Oct 2026 · Sources: bpi.com.ph · bdo.com.ph
Fees may exclude statutory charges.