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22/07/2025

Mag MP2 nlng talaga

Yes, totoong may 20% tax na sa interest ng savings mo, but here’s the full story:

1. Starting July 1, 2025, lahat ng interest earned sa bank deposits (kasama na ang long-term time deposits) will be taxed 20% Final Withholding Tax (FWT).

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2. Example simple computation:

May ₱100,000 ka sa time deposit.

Interest rate: 3.5% per year (as in Maya Digital Bank’s base offering)

Kita mo sana:
₱100,000 × 3.5% = ₱3,500

Tax (20%):
₱3,500 × 20% = ₱700

Take-home mo:
₱3,500 − ₱700 = ₱2,800

So, imbes na ₱3,500 ang interest mo, ₱2,800 na lang ang makukuha mo.

Ganyan gumagana ang 20% withholding tax sa interest simula July 1, 2025.

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3. This includes:

✳️ Peso and foreign currency savings accounts.

Examples: Regular savings account sa BDO, BPI, Metrobank, o US Dollar savings account sa Security Bank

✳️ Regular and long-term time deposits

Examples: 5-year time deposit sa UnionBank, 3-year time deposit sa LandBank

✳️ Peso bonds and similar interest-bearing instruments

Examples: Treasury bonds (RTBs), corporate bonds, bank-issued peso bonds

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4. This is NOT a new tax.

Final withholding tax on interest income has been in place for years.

Ang bago lang: tinanggal na ang tax exemption for long-term deposits (5 years and up time deposits).

Dati kasi:

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BEFORE JULY 1, 2025
Graduated tax rates based on maturity:
🔸 Less than 3 years — 20% tax
🔸 3 to