It depends on your risk appetite and how trustworthy your bank is. Digital banks are generally safe as they must adhere to strict security system requirements before being granted a license. However, account holders also play a part in protecting their accounts.  A good rule of thumb is maintaining a maximum of ₱500,000 per account, as this is the same amount insured by the PDIC. You can also check the maximum limit that can earn a high interest depending on the type of account and bank. The amount over the limit can be placed in a new account or a different bank to maximize the growth of your savings.