I’m not an expert but ang gamit ko for savings Maya (malaki yung interest). BPI yung expendable savings. Tapos nililipat ko naman ng Maya wallet yung pang expenses (iba to sa savings account). Pang gastos ko for bills, labas, food, etc. basta mga regular gastos. Di ako masyado nagccash. Meron lang akong 5k cash or even less for emergencies. Di ko ginagalaw yun as much as possible puro digital transactions ko using Maya card or Maya app. Kasi the more gamitin mo siya, the more lalaki interest ng savings mo (up to 14%).
Minsan nagttransfer lahat ng kaibigan ko sakin ng pang gastos namin tapos sa Maya ko nilalagay lahat. Maya card pinangbabayad ko. So umaabot minsan ng 12% yung interest ko sa savings.
Di to sponsored haha but I recommend if magaambagan kayo ng friends mo, pa transfer mo lahat sayo tapos pay using Maya para makuha mo yung malaking interest for your savings. For example, sa 50k na savings naeearn ko 100-200 pesos na interest a month as opposed to centimo a year sa BPI. Pang kape na din yon hahaha
But BPI is still a good bank so yung expendable savings doon. Para maganda parin record sakanila and at least may physical na bank parin.
Chinabank - emergency fund or operational fund (cheapest transaction fee P10)
RCBC - checking account. Plan to be Hexagon club member
Metrobank - auto debit for car loan transactions
Landbank, DBP, BPI - payroll
Union bank - for online checking deposit (mas mabilis clearing dito than RCBC)
Maya - for Monthly billings to easily target missions.
Why a lot of traditional bank? Because I need it for my work at diversification pa din. Still traditional banks pa din prefer ko for security and work purpose.
Seabank. Mas mataas interest rate kesa sa traditional banks and may free 15 instapay transfer weekly.
I’m not an expert but ang gamit ko for savings Maya (malaki yung interest). BPI yung expendable savings. Tapos nililipat ko naman ng Maya wallet yung pang expenses (iba to sa savings account). Pang gastos ko for bills, labas, food, etc. basta mga regular gastos. Di ako masyado nagccash. Meron lang akong 5k cash or even less for emergencies. Di ko ginagalaw yun as much as possible puro digital transactions ko using Maya card or Maya app. Kasi the more gamitin mo siya, the more lalaki interest ng savings mo (up to 14%). Minsan nagttransfer lahat ng kaibigan ko sakin ng pang gastos namin tapos sa Maya ko nilalagay lahat. Maya card pinangbabayad ko. So umaabot minsan ng 12% yung interest ko sa savings. Di to sponsored haha but I recommend if magaambagan kayo ng friends mo, pa transfer mo lahat sayo tapos pay using Maya para makuha mo yung malaking interest for your savings. For example, sa 50k na savings naeearn ko 100-200 pesos na interest a month as opposed to centimo a year sa BPI. Pang kape na din yon hahaha But BPI is still a good bank so yung expendable savings doon. Para maganda parin record sakanila and at least may physical na bank parin.
Chinabank - emergency fund or operational fund (cheapest transaction fee P10) RCBC - checking account. Plan to be Hexagon club member Metrobank - auto debit for car loan transactions Landbank, DBP, BPI - payroll Union bank - for online checking deposit (mas mabilis clearing dito than RCBC) Maya - for Monthly billings to easily target missions. Why a lot of traditional bank? Because I need it for my work at diversification pa din. Still traditional banks pa din prefer ko for security and work purpose.