r/DigitalbanksPh

Hi! I've been having problem sa pnb last week pa. After ko ienter ang password, stuck lang siya sa home page : ((( i tried uninstalling and reinstalling pero di siya nagana. Asking if may nakakaalam paano ang gagawin? Thank you so much po!

Alin po ang mas worth it? 1% cashback ni Maribank or goreward points ni Gotyme?

For these purposes:
- Dining
- Grocery
- Shoping (uniqlo, sm store)

Hello! Not sure if this is the correct subreddit to ask about maintenance and stuff. Metrobank suddenly shows na 0 balance daw ako pero i'm sure na may laman to, I know na may maintenance daw ng 11:30pm today august 20, medyo nakakapanic lang kasi I need to use that money for payments tomorrow. Any answer will help. Thank you!

cant login both website and app.. does anyone have same problem, i try to reset my password both app and website and when i try .. it say cant login? does anyone have same issue i dont see any advisory

I will be receiving 5K po for my birthday. Balak ko po sana i-invest or save — gaya ng mga nakikita ko po na may balik na pera sa pag-store sa banks?

New to digital banking/putting money sa banks, apologies for having no clue po sa terms. Which bank po kaya maganda mag-store ng pera? Sa initial searching ko po more on Maribank or Tonik po kaya?

Badly want to ipon po kaya pls help this girly out. 🥹 Salamat po! ❤️

Hi everyone! I’m about to receive my very first paycheck and want to set up good financial habits right from day one. I’m earning around ₱20,000 – ₱25,000 monthly.

Since I'm completely new to personal finance, I’d love to get your advice and perspective on two main things:

1. Salary Percentage Split:

• How much of my income should realistically go toward Needs (rent share, groceries, utilities, daily commute)?
• What percentage is reasonable for Wants / Fun money without feeling restricted or guilty?
• How should I split my savings between an Emergency Fund, Short/Long-term Goals, and Retirement?
• Is the classic 50/30/20 rule realistic on a starting salary here, or did you use a different split when starting out?

2. Bank & E-Bank Allocations:

• Which banks or digital banks (UnionBank, MariBank, GoTyme, Maya, Pag-IBIG MP2, etc.) do you use for each specific category?
• How do you separate your spending money from your savings so you aren't tempted to touch your emergency fund?

I'm really eager to learn and build a solid system early on. Any advice, bank recommendations, or lessons you learned from your own first job would be greatly appreciated! Thank you and have a good day!

Hello guys! I'm still a student with no source of income yet, just relying on my allowance, but I also want to start building good spending and saving habits. I want to organize the allowance I receive and set aside some of it so I won't be tempted to spend everything. I've read a lot of posts here already about the best digital banks, and I've decided to open a MariBank account mainly for cashback and spending purposes. For my savings, I'm currently choosing between BanKo and GoTyme. I only need one account specifically for saving, so I don't really need the multiple accounts/features offered by GoTyme. I currently have an account din sa bdo but planning to switch din to other traditional bank, If ever what's my best option din po dito?

I also excluded Maya from my options since I've heard mixed feedback about their customer service like mahirap lumapit whenever there's a problem. For someone in my situation, which would you prefer between BanKo and GoTyme for both convenience and growth?

Problem: I received a suspicious SMS containing a link claiming to be a BDO pre-approved card offer.

I accidentally clicked the link, but I did not enter any personal, card or online banking information.

I have already locked my card and changed my passcode. May I ask what other security measures or steps I need to take to make sure my account is safe?

For context, I am building my emergency fund for a while now and putting it into a regular savings account in a bank but my problem is the interest is so low.

I’ve been looking at digital banks for a while now and thinking of transferring my EF (around 80-100k peso) to it. My only question now is is it safe? Maybe a dumb question 💀 lol but this is my hard earned money.

Hello! I’m kinda new to this subreddit since I recently found out about how you can save money in digital banks and they have the chance to grow. As a beginner with no savings at all. Which digital bank would be the best? I can only save about 500- 1k a month since my allowance is not that big, thank you so much in advance for ur inputs!
Is it advisable to just open up a digital bank account purely just for savings? I plan to do this kasi and just use the bank for saving and not spending at all.

I've been using my Maya Mastercard for a while now, and I noticed that whenever I tap on any terminal (including Maya's terminal and the MRT-3/LRT-2's fast lane gates) leading me to insert the card and enter my PIN instead. The only sole exception is in 7-Eleven where it actually works for some unknown reason. I've tried explaining this to Maya Customer Support but they straight up told me that it depends on the POS (but isn't it weird that Maya's own terminals do not accept their own cards?).

Does anyone else have this problem? Hopefully this gets fixed when these cards eventually arrive to Apple Pay 🤞

Hi, first yr college here. I want to try digi banks such as Maribank and Gotyme.

For maribank, lalagyan ko siya ng weekly spending allowance ko from main bank (kung saan naghuhulog parents ko ng allowance ko), then use it for everyday spending. So meron akong daily interest and cashback right?

For gotyme, kung ilan matira ko sa maribank, ililipat ko sa goalsave ng gotyme. May 3% interest po siya diba. So ayun, every wk ako magttransfer from maribank to goalsave para hiwalay siya sa spending ko per week tsaka nag-eearn 3%.

Do u think this is wise or would work already as a beginner huhu. And can you suggest iba pang pwede gawin?

Finally, after ilang years, nakapag-start na rin ng MP2. Matagal ko na siyang naririnig sa mga ka-work ko and hindi ko siya talaga pinapansin dati kasi marami pa akong responsibilities. And now na almost 30 na ako, saka lang ako nakalaya. So now, ang problem ko naman is yung unang hulog ko, di pa siya nagre-reflect. May delay ba talaga yun? Curious lang, although nakapag-research naman na ako na within 3-7 business days siya. Hindi lang maiwasang kabahan.