1. Digital banks INTEREST RATES: 3.5 to 4.5% per annuum This is the easiest investment option out there. Merong option na gamitin to sa "GSave" feature ng GCash or idownload yung mismong app nung bank na gusto niyo. So far, these are some of the digital banks available: Paymaya, UNO bank, CIMB, GoTyme, Seabank, BPI, Union bank Try to explore these banks, max out their limits, and use them as your emergency funds.