GCash Savings Interest Rate 2026: Rates & Tips
Check the latest GCash savings rates in 2026, compare GSave options, and learn simple tips to earn more from your cash.
If your money is sitting in **GCash**, the rate is **not one fixed number** in 2026; it depends on which savings product you use inside the app. The most current official figures in the results show **GSave by CIMB at 2.6% per year** on the GCash Help Center, **eC-Savings at 3.5% p.a.**, and **UNOready@GCash at 3.0% to 3.5% depending on balance**.[5][7][6]
The key detail is that **your wallet balance does not earn interest**. Interest applies only after you move money into the linked savings product, and the rate can change based on the product, balance tier, or an updated disclosure.[5][6][7]
What the 2026 rates show
- **GSave by CIMB:** GCash Help Center says **2.6% per year** with **no minimum deposit** and **no maintaining balance**.[7]
- **eC-Savings by Cebuana Lhuillier Rural Bank:** GCash Help Center says **3.5% p.a.** with **no minimum deposit** and **no maintaining balance**.[16]
- **UNOready@GCash:** GCash Help Center says **3.00%** for balances from **PHP 0.01 to PHP 4,999.99**, **3.50%** from **PHP 5,000 to PHP 4,999,999.99**, and **1.00%** above **PHP 5 million**.[6]
And the confusion is real: another GCash product page in the results shows **GSave annual interest rate 2.3%** and also lists **eC-Savings at 3%** on the same page.[1] CIMB’s own disclosure sheet in the results is the clearest sign that the GSave rate changed, since it shows **2.30% p.a. effective June 1, 2026**.[4]
Quick comparison
| Product | Rate shown in official sources | Minimum deposit | Maintaining balance |
|---|---|---|---|
| GSave by CIMB | **2.6% p.a.** on GCash Help Center; **2.3% p.a.** on another GCash page and CIMB PDS | None | None |
| eC-Savings by Cebuana Lhuillier Rural Bank | **3.5% p.a.** | None | None |
| UNOready@GCash | **3.0% to 3.5%**, then **1.0%** above PHP 5 million | Not stated in the excerpted help text | Not stated in the excerpted help text |
What that means in pesos
- **PHP 10,000 in GSave at 2.6%** earns about **PHP 260 a year before tax**, or roughly **PHP 208 after the 20% final tax**.[7]
- **PHP 10,000 in eC-Savings at 3.5%** earns about **PHP 350 before tax**, or around **PHP 280 after tax**.[16]
- **PHP 4,000 in UNOready@GCash** falls in the **3.0%** band, which is about **PHP 120 before tax per year**.[6]
How to check the right rate
- Open the **GCash app**.
- Tap the **savings tile**.
- Confirm the exact product name: **GSave by CIMB**, **eC-Savings**, or **UNOready@GCash**.
- Check the rate shown in-app before moving money.
- Leave the funds in the savings account if you want them to earn interest.[5][6][7]
But the most useful habit is simple: check the rate *inside the app* before depositing. Rate pages can differ, and old posts can lag behind current pricing.[1][4][7]
Common mistake
- Thinking the **wallet** itself earns interest. It does not; the money has to be in the savings product.[5][6][7]
A small aside: this is one of those finance details that looks boring until you compare it with a few pesos in the wallet, then it suddenly matters.
