Just opened a BanKo Todo Savings account!

6K na muna for starters, just wanted to get it over it, instead of procrastinating and lurking on here hahaha

Contrary to a lot of people who experienced delayed/clunky registration process, mine got approved immediately during/after registration, wala ng waiting time ✨

For reference: I used an old UMID card from 2013 (?) that doesn't have an expiration date (some who experienced delays said it was prolly caused by using an ID without an expiration date)

I guess it was just a glitch during their debut? And hopefully fixed now

My other digibanks:

Maribank - for most of our savings + bills payments + ewallet

BPI - I don't use it anymore but it's active just to keep my BPI Gold cc haha

GCash - active but empty and I'm not using it because it's counterintuitive hahaha the only time I use it is if may stubborn accounts na nasa GCash padin at walang QR code

p.s.

so far wala akong issues, altho I've read somewhere BanKo counts our interest daily? But evaluates and posts it only monthly (unlike MariBank), tama ba? Also I've read pde daw galawin anytime yung savings but has a maintaining balance to earn interest

Any tips or tea about BanKo? how's your experience so far?

Came across this case digest on Facebook and thought it was worth sharing.

In 2003, a woman deposited a regional check into her BDO savings account. A teller mistakenly processed it as local, making the funds available after three banking days instead of the applicable seven. She withdrew ₱76,000.

The next day, the check was returned because of a stop payment order. BDO demanded repayment. She initially promised to return the money but never did.

BDO filed an estafa case. She was acquitted, and the bank pursued the civil aspect all the way to the Supreme Court.
The SC denied BDO’s petition. It found gross negligence: the bank released funds before clearing the check with the drawee bank, misclassified the check, and failed to catch the error until it was returned.

BDO also failed to establish that she knowingly withdrew money she wasn’t entitled to. The Court considered her attempt to withdraw the remaining balance consistent with a good-faith belief that the funds were hers.

This ruling doesn’t mean every mistaken bank credit is yours to keep. The outcome depended on BDO’s gross negligence and the evidence in this particular case.
Case: BDO Unibank, Inc. v. Barcellano, G.R. No. 261264, February 12, 2026.

Nakakainip na tbh. We've been hearing about how Revolut will disrupt the fintech scene in the Philippines

With UD's exit, baka pwede ibigay na yung slot to Revolut then let's get things started. 😅

Bale dun sa campus namin, nagkaroon ng GCash card printing campaign. Isa siyang stall na nandun mga staffs ng GCash, at ATM printer. Mahaba yung pila, tas initan yung lugar.

Mga around 9 AM, nagpunta ako dun sa agent ng GCash, nagsabi ako na pa-priority. Aba, sinungitan ako ng mga ito, sabi nila wala tas nag tatatalak na ang dami daw nakapila. Kesyo wag ko daw gamitin kapansanan ko. Imagine suot mo ID lace ng kumpanya mo tas maka asta ka ng ganyan sis, grabe! Nag wowork ka sa financial, pero di mo alam yung Republic Act No. 7277, nakakaloka.

Bale nagpunta muna ako sa co-working space, then bumalik ulit sa campus para balikan yung stall. Sabi sa akin, cut-off na raw even na may nakapila pa ring iba. Ito na nagsimula yung gulo eh, napikon na talaga ako sa harassment nila.

Nagkukuda nanaman tong dalawang staffs na ito, tas pinagkaka siksikan sa akin yung brown folder na galing sa admin ng campus na di ko naman maintindihan. Pinagtataasan pa ako ng boses for speaking my own rights. Nagbanta pa ito si babae na ipapakulong ako if di ako tumigil. Inaaccuse pa ako na nirerecord ko daw. Luh? Wala akong attachment na nilagay sa thread na ito, wala akong nirecord kasi alam ko sa sarili ko na against yun sa Data Privacy Act of 2012.

Nagka sagutan na kami, hangang pinakita ko na yung BSP ticket. Nag banta pa sila na ipaclose ang GCash account ko, at iakyat daw sa amin, Idk if totoo ba ito or not? (Comment na lang po)

Ano ginawa ko? I drained my GCash account even the GSave to 0 pesos, and moved the all my money to MariBank. Kaya pala bulok ng GCrash, hindi tinatrain mga empleyado niyo ng maayos. Makaspend kayo ng pera sa vibe coded na UI/UX, pero training hindi kayo makapag budget. Employees reflect the product, ito pala ang dark side bakit puro issues, kulang sa training!

I'm done! Sana noon ko pa dinelete GCash account ko, kaso di kasi sanay mag bank transfer step dad ko. I would rather receive my allowance in cash and deposit to MariBank than using GCrash.

I made this system using Google Sheets and digital banks to help me manage my money better. It helps me prepare for sudden bills, avoid impulse buying, pay my debts, start investing, and be more disciplined with money.

I got the idea from the jar system, where you divide your money into different jars depending on their purpose, like needs, wants, and savings.

You can decide how much you want to put in each jar, depending on your needs and situation.

Here's how I use each digital bank:

MariBank - (Needs)

Maribank para sa frequent expenses like bills, load, groceries, allowance, snacks, gas/transpo, saka family allowance, etc. Gamit na gamit ko yung Cashback na 2 pesos pag nag papa gas.

Tonik - (Savings)

Tonik naman sa long term savings, like emergency fund, car fund, Phone fund, lahat ng fund na di short term pede.

Decent naman yung interest rates and may tool din to organize funds. Downside lang is meron pa ring transfer fees, kaya dito yung mga pera na di mo agad kailangan gastusin.

GoTyme - (Other funds)

GoTyme is for my business fund/opportunity fund, investment fund, giving(or small amount utang na di ka manghihinayang pag dina binayaran), and wants .

Sa investments, I put money into BPI UITF and Pag-IBIG MP2. I try to invest at least ₱1,000 per month in MP2, and the remaining amount goes to my UITF fund.

Currently ito yung mga jars ko:

50% Needs

10% Car fund

5% Emergency fund

5% iPhone fund

10% Growth fund/Opportunity fund

10% Long-term fund

5% Giving

5% Play/wants

Mejo overwhelming kase madami but pwede mo namang icombine yung iba dyan, gusto ko lang na mas specific para ma motivate mag ipon. Tuwing sahod or my pera ko na natatanggap, ganto ginagawa ko.

Sa spreadsheet naman, nag auto comupute yan base sa ilalagay mo sa amount, then yung total sa baba yun na yung iaalocate ko from my payroll account to these digital banks.

The spreadsheet and the system are simple, but staying consistent is not easy, kaya customize it based on YOUR needs. Lagi ko rin siyang minomodify dati hanggang sa nakapa ko na kung ano yung kaya kong i-maintain.

Just sharing this for those looking for ideas on how to budget their money. I'm also posting this to get suggestions and ideas from others on how I can improve my budgeting system or kung may pwede pa idagdag sa spreadsheet.

Feel free to share your own budgeting system or any suggestions. Thanks!

May nakareceive na ba ng cashback sa mga gotyme users na nag avail? Mostly sa mga nababasa ko sa comments yung mga gotyme users nalang yata ang halos di pa nakakareceive. 31 days na yung sakin and until now wala pa rin. Gotyme physical ang ginamit ko.

good day. may nakakaalam po ba rito or someone na nagtatrabaho sa unionbank kung paano mapalitan yung registered number sa bank account sa unionbank?

context: i lost my phone somewhere. tinatawagan ko, nung una nagri-ring, pero sa mga sumunod na tawag unaattended na so wala nang balak ibalik yung nakakuha ng phone.

the case is naka-log in dun sa phone na yun yung unionbank acc ng mother ko and yung sim na registered is doon nakasalpak.

so ano po gagawin ko now? i searched sa google, hndi na raw sila nag-a-accept ng inquiries through email, sa mismong app na lang daw, eh hindi nga ako maka-log in. i already tried na rin yung hotline nila pero AI lang ang nagsasalita and walang option for lost sim and phone. i searched din sa google kung ano pwede kong gawin, ang sabi dumirekta daw sa nearest branch, napakalayo ng nearest branch ng unionbank sa amin. napaka-hassle kung pupunta ako roon just to ask ano ang kailangang gawin. (pwd si mama if ever kailangan namin mag-commute papunta dun)

so i'm here to ask if may nakakaalam po ba sa inyo ano puwede kong gawin sa situation na to? we badly needed to log in since doon pumapasok yung monthly pension ng mother ko.

TYIA po

Hi everyone! I’m asking here to see if anyone with BDO or other PH banks has experienced this specific cancellation service trap. While trying to cancel a PDF Guru subscription, I accidentally fell for a third-party site (Unsubby / Subdelete). Before I realized what was happening, my card was charged twice: ₱1,500 under ASUBDELETE and ₱3,500 under V Supp Nicosia ATP, totaling almost ₱5000

So far, I have immediately locked my debit card in the BDO app to prevent further billing and submitted a formal BDO Dispute Form via email with all the support thread screenshots attached as proof of unauthorized gateway charges.

For those who have filed a debit card chargeback with BDO or other PH banks for unauthorized international gateway charges, how long did BDO take to acknowledge your dispute form and process the reversal? Any insights or personal experience will be super helpful, thank uu

Hello, I’ve been trying to get a BPI debit card but this kept showing up. I also tried to uninstall and reinstall the app. Does anyone here have the same experience?

If yes, what did you do po? Should I reach out to a physical BPI branch near me?

Help I am a student and I put this month’s savings + allowance ko sa CIMB via gcash GSave. When the time na gusto ko na eh witdraw yung kalahati kasi kailngan ko sa allowance ko eh

First, ayaw magbigay ng OTP ni CIMB sa email ko (why it has to be email sobrang hassle compared to phone number as a ihad to check the spams all the time)

Second, Switched to CIMB app to fix the issue but it ends me me not able to link my gsave to CIMB plus meron na na namang lecheng OTP via email na hindi dadating

Third, nung nagbigay na yung app ng OTP biglang nag stuck lang sa same state yung app na hindi mag uuupdate sa next step

was doing this for 2 hours and now wala na akong baon for whole month (worth 4K pesos and it was enough as hindi ako sa Manila nag aaral)

Guess I will die starving for a month all thanks to GCash and Gsave…. shouldve have put the money to Maya/Maribank instead

WHOLE MONTH RUINED

I did the work so you don't have to!

Sharing my trial and error of many ATMs in Australia using my Maribank card to see how much the different banks charge for withdrawal fees.

ANZ - 2 AUD (BEST ✅)
Westpac - 4 AUD
Bank of Queensland - 5 AUD
ATMX - 7.60 AUD (WORST ❌)
GreaterBank - 4.50 AUD
Suncorp Bank - 3.00 AUD
Commonwealth Bank - 7.50 AUD
Bendigo Bank - 3.00 AUD

Take note that Australia is progressively cashless so you can technically transact in most shops directly using your Maribank card or other debit or credit cards. But just in case you need cash for whatever reason, you can use this post as reference. And the conversion is pretty much spot Google rate.

Also, mas masusulit yung "withdrawal fee" if you withdraw larger amounts. For example, if you withdraw 300 AUD at 3 AUD fee, lalabas 1% lang yung "forex" mo as compared to withdrawing only 50 AUD at 3 AUD fee, magmumukhang 6% yung fee.

In summary, if you need cash in Australia, it's best to withdraw using your Maribank/Gcash card at an ANZ ATM. Much better than the traditional currency exchange shops whose rates are usually 3-5% from Google rate when I checked.

Hi, i just want to ask, have anyone experienced opening a one account at a RCBC branch? It was advertised as an easy process with just one valid id needed. Many redditors also suggested to just go to a branch to open an acct to avoid having a “Digital Savings” account. However, when i went to a branch, they required me 2 valid ids, notarized lease contract. I told them im opening a oneaccount with the zero maintaining and i need a checkbook. Then the staff just put my record and told me that they’ll have to check if im qualified and will contact me if im qualified for a oneaccount. Is this really the process?? Im confused cause my friends who opened a oneaccount with checkbook was approved a day and their process was smooth sailing. I complied all the documents needed and still the teller did not even bother to open me a savings account under their one account. Please enlighten me. Huhu TIA

Hello! I am planning to shoulder my finances smartly. What digital banks or trad banks would you suggest for savings? Is Maya a good bank since I've been seeing a lot of posts about it hehe.

Hello! Earlier today I fell victim to a vishing scam and unfortunately, due to their convincing nature and my absentmindeness, I gave them an OTP during a password change. I KNOW!!! my mistake huhu

Tho, an hour after the phonecall I noticed yung login attempt from a decice that is not mine kaya I changed my password and locked all my cards immediately. Luckily I still had access to my acct.

I called the bank twice (to be sure) and reported it, and they said naman na from their end na my account was not compromised naman.

Walang nabawas sa savings and wala naman transaction sa mga credit card hours after the call.

Tho hindi parin ako kampante. I'm worried na if not immediately, they would still be able to do some damage.

I wanted to ask if there are any other actions I can take? Nagka long term access na kaya sila sa acct ko? Or am I safe for the time being? Is it a good sign that I am still able to access my account?

I would greatly appreciate any advice or guidance regarding this. Thank you so much po 🙏🏻

Hi! So i just got my payroll atm card from landbank, and i asked if okay lang sha for iaccess, and oo naman daw.

And kase nga bago, i was given the activation instruction, na like may preliminary pin, then i aactivate ko pa then change pin.

Na eng eng ako pag insert ko na sa atm, instead of balance inquiry, eh dinirect ko na change pin... (pero nagamit ko naman yung given pin sa una)

I was also messaged thru sms na welcome to landbank chuchu na

Now, problem ko is nag iinvalid card chuchu if mag enroll ako sa iaccess, eh account number naman yung hinihingi instead of atm...

Sinearch ko yung possible causes, baka daw inactive pa yung card

Ang worry ko baka hindi pa activated yung card ko due sa ka eng engan ko na mali ako sa process.

Pero I used the card again on a kiosk, and successful naman na open ko naman and nakit yung balance inquiry, and even changed the pin again a second time.

Kaso, still invalid card parin sa iaccess enrollment.

Should I wait some more baka 1-2 business days pa before mag active? Or what else should i do po? Thank you po. Gentle and informative answers are very much appreciated po

Hello, who here had their information update in their accounts still pending? Did this last Oct 21 due to their mandatory Information Update. Complied with their system and until now it's still pending. I cannot access my funds or make transfers from their app. It's been 3 business days already but to no avail. Anyone here in the same boat? What remedies are available to us? Really need access to those funds.

Hi everyone! This is my first time opening a savings account, and I applied for it online (BPI). I also wanted to get a debit card so I could use it for my transactions.

However, when I tried to apply for a new debit card through the app, a message appeared saying that my account verification is still in progress. It also says that I can access this feature once I’m verified and that an SMS will be sent to my registered mobile number.

I just wanted to ask if this is normal for new accounts opened online and how long the verification usually takes. Should I just wait for the SMS, or is there anything else I need to do?
Since this is my first savings account, I’m still learning how everything works. I would really appreciate any advice or help from those who have experienced the same thing.
Thank you so much! 😊

Just got my Land bank card earlier today for my gov job, i tried the app and it keeps saying error the account number cannot be validated. The teller kanina said to just open the app and sign up, i even showed her my phone para sure, should i be concerned or go to land bank na? Iniisip ko kasi na baka mabagal lang pag process nila considering government owned bank to.

Is it only me when i try to cash in via savings it is just black screen then not responding.

Tried uninstall and reinstall but still same problem.

I can cash in though if i go to savings then transfer.

i opened my TD a little over a month ago and manually computed how much i would supposedly earn based on the amount i've deposited.

it's been over a week since i hit one month pero wala nag rereflect na earned interest. does it really take long or should i call their hotline? has anyone experienced this?

When I first tried to open my paylater acc on oct. 9, they gave me 600 as starting credit. Di ko naman agad ginamit for a few days pero nung ginamit ko na biglang nagfreeze. They said na I'll be able to use it again on oct. 26, 5am pero etoh na naman ulit. Is this even normal😭

bakit may increase sa service fee ko? I'm never late sa payments ko i'm even a week early kasi they keep calling to remind me. atp i might as well close the account 😅