AUB savings account rates
AUB's best account for ₱100,000 is Starter Savings at 0.10% a year (AUB rate page, as listed on October 2, 2026). Left for a year, ₱100,000 earns ₱80.03 after the 20% final tax, 16th of the 18 banks on this site.
Our take: keep only your day-to-day money at AUB. For money you can set aside, UNOBank's #UNOboost Time Deposit leaves ₱4,319.97 more on the same ₱100,000 a year after tax (see UNOBank).
No bank pays to appear here or to change its position.
Licensed by the BSP as a universal and commercial bankAsia United Bank Corporation (BSP short name AUB) is on the BSP's list of supervised institutions as a universal and commercial bank with 233 offices, and its deposits are insured by the PDIC up to ₱1,000,000 per depositor. BSP Verifier, Institutions list updated September 28, 2026
Next: see what you need to open an account, then open Starter Savings from AUB's own Starter Savings page.
Interest calculator, after tax
- Interest you keep, after 20% final tax
- ₱80.03
- Gross interest
- ₱100.04
- Final tax withheld (20%)
- ₱20.01
- Rate used
- 0.10%
- Balance at the end
- ₱100,080.03
Savings: your balance stays at ₱100,000, interest is credited monthly and what is left after tax keeps earning.
Worked example, Starter Savings: ₱100,000 × 0.10% (AUB rate page, as listed on October 2, 2026), with the after-tax interest added each month, = ₱100.04 gross. Less the 20% final tax (₱20.01; RA 12214, BIR RR 21-2025 from July 1, 2025) = ₱80.03 you keep. Compare it with every savings account in the digital bank rankings.
The 20% final tax applies from July 1, 2025 under Sections 24(B)(1) and 25(A)(1) of the Tax Code, as amended by RA 12214 (Capital Markets Efficiency Promotion Act) (BIR, RR 21-2025). It replaced the old exemption for deposits of five years or more; see the final withholding tax and time deposit vs MP2 after tax.
What you need to open an account
- AUB asks for one Philippine government-issued ID, or extra supplementary IDs if required. bank page
- Accepted government IDs include the National ID, Philippine passport, PRC ID, SSS ID or UMID, voter's ID, driver's license and GSIS ID. bank page
- Supplementary IDs include NBI clearance, police clearance, barangay clearance, company ID, student's ID and TIN ID. bank page
- Preferred Peso Savings has no stated minimum initial deposit and a ₱5,000 maintaining average daily balance. bank page
When to skip it
- Preferred Peso Savings: skip it if your balance usually sits under ₱500,000, because it pays no interest below that.
- Starter Savings: skip it if your balance usually sits under ₱1,000, because it pays no interest below that.
Published rates, account by account
Preferred Peso Savings
0.10% a year, grossMinimum maintaining balance (ADB) Php 5,000. Interest earning balance (ADB) Php 500,000. Interest rate 0.100% p.a. Withholding tax 20%.
Interest is earned when the ADB is at least ₱500,000 and credited quarterly.
Maintaining balance ₱5,000.
As listed on AUB's rate page on October 2, 2026. AUB
Starter Savings
0.10% a year, grossMinimum maintaining balance: none. Interest earning balance (ADB) Php 1,000. Interest rate 0.100% p.a. Withholding tax 20%.
Maintaining balance none.
Maintaining balance, interest and fees
| Account | Opening deposit | Maintaining balance | Earns interest from |
|---|---|---|---|
| Preferred Peso Savings | Not on AUB's rate page | ₱5,000 | ₱500,000 |
| Starter Savings | Not on AUB's rate page | None | ₱1,000 |
- When interest is paidInterest on both savings accounts is credited quarterly, after the 20% withholding tax. bank page
- MinimumsPreferred Peso Savings asks for a ₱5,000 average daily balance but pays interest only from ₱500,000; Starter Savings has no maintaining balance and pays from ₱1,000. ATM withdrawals are capped at ₱50,000 a day. bank page
- TaxAUB withholds 20% of the gross interest each time it credits interest, so the amount you see is already net. Since July 1, 2025 (RA 12214; BIR RR 21-2025) this applies to every deposit term and to dollar deposits too. The deposit itself is not taxed.
Transfer fees
| InstaPay, personal | Free in the BSP summary |
|---|---|
| PESONet, personal | Free |
| InstaPay, business | ₱8.00 |
| PESONet, business | ₱8.00 |
As disclosed to the BSP, as of August 31, 2026. Moving money in or out: compare InstaPay and PESONet fees across banks.
Is your money insured?
The PDIC insures deposits up to ₱1,000,000 per depositor, per bank, effective March 15, 2025, set by the PDIC Board under the PDIC Charter (RA 3591, as amended by RA 11840). All your AUB accounts in your own name are added together; anything above ₱1,000,000 there would not be insured if the bank closed. ₱1,500,000 kept as ₱1,000,000 at AUB and ₱500,000 at another bank is fully insured; the same ₱1,500,000 at AUB alone leaves ₱500,000 uninsured. PDIC
- Your single accounts and accounts held "by", "in trust for" or "for the account of" you at the same bank are added together as one.
- A joint account is insured separately from your single accounts, whether it uses "and", "or" or "and/or".
- Unless the account documents say otherwise, a joint account's insured amount is split equally among the co-owners.
- Your shares across several joint accounts at the same bank are added together and insured up to the maximum.
- Any loan you owe the closed bank is deducted from your deposits there.
- Investment products such as bonds, securities and trust accounts are not deposits and are not insured.
Rules from the PDIC deposit insurance brochure. Work out your own cover, joint accounts included, in the PDIC deposit insurance calculator.
On the BSP register
- Registered name
- Asia United Bank Corporation
- BSP category
- Universal and commercial bank
- Head office
- Joy~Nostalg Center, 17 ADB Avenue, Ortigas Center, Pasig City 1605
- Offices
- 233
- President / Director
- Mr. Manuel A. Gomez
- Website
- aub.com.ph
Not covered here: business, joint-trust and dollar accounts, and loans. For a problem with a AUB account, complain to AUB first, then to the BSP (BOB chatbot on bsp.gov.ph or consumeraffairs@bsp.gov.ph) under RA 11765; if the bank closes, claims go to the PDIC.
What to do next
- Open or check the account on AUB's own site, and confirm the rate on your amount there before you deposit; banks change rates without notice.
- Compare the same amount across all 18 banks and 50 accounts in the time deposit and savings calculator.
- Holding more than ₱1,000,000? Split it across banks and check the result in the PDIC deposit insurance calculator.
Questions
Is AUB safe?
The BSP Verifier list updated September 28, 2026 has Asia United Bank Corporation as a universal and commercial bank, so its deposits are PDIC-insured up to ₱1,000,000 per depositor, per bank, effective March 15, 2025. BSP Verifier
Do I declare AUB interest on my income tax return?
No. Since July 1, 2025, the 20% that AUB withholds is a final tax under RA 12214 and BIR RR 21-2025, so the interest is not added to your taxable income. BIR, Revenue Regulations No. 21-2025 digest
What if AUB closes?
File your deposit insurance claim with the PDIC within 2 years (24 months) of its takeover of the bank; its hotline is (02) 8841-4141 or (02) 8841-4000; toll free 1-800-1-888-7342 (1-800-1-888-PDIC); pad@pdic.gov.ph. source