MariBank Savings Rate in 2026: How the 3.25% and 3.75% Tiers Actually Work
A clear breakdown of MariBank's savings interest tiers, daily crediting, and the 20% withholding tax you need to factor in.
Updated 2 min read
MariBank’s headline rate looks simple, but the tiered structure and tax treatment matter if you are deciding where to park your cash.
The Two Tiers
MariBank pays 3.25% per annum on balances up to ₱1,000,000. For any amount above that threshold, the rate jumps to 3.75% per annum [citation:1][citation:12]. The higher rate on excess balances is unusual—most banks apply a single rate or lower the rate for larger deposits—so it is worth understanding if you plan to keep a significant amount.
Daily Crediting, Gross vs Net
Interest is credited to your account every midnight, based on your previous day’s balance [citation:1]. What you see advertised is the gross rate. A 20% withholding tax is deducted from the interest earned [citation:1][citation:12]. For example, if you maintain ₱50,000 for a full year at 3.25%, the gross interest is about ₱1,625, but the net amount after tax is lower.
No Maintaining Balance
Unlike traditional banks, MariBank does not require a maintaining balance and has no lock-in period [citation:2][citation:12]. This makes it flexible for savings you might need to access, though the rate applies only as long as the balance sits in the account.
Rate History
MariBank adjusted its rates before. The current 3.25% tier for balances up to ₱1M took effect on January 15, 2026 [citation:12]. Rates are not guaranteed, so confirm the current figure in the app before moving money.