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For investors in the Philippine Stock Exchange (PSE), a well-diversified portfolio is key to navigating market volatility and achieving long-term financial goals. Beyond real estate investment trusts (REITs), the PSE offers a wide range of companies across various sectors that can provide a balance of steady dividends and strong potential for capital appreciation.



This guide highlights ten of the top stocks to watch in 2025, offering a snapshot of their recent performance, dividend history, and what makes each a compelling investment.

Note: The stock prices and dividend information provided are based on data available from July to August 2025. This information is subject to change based on market movements and company announcements. Dividends, in particular, can vary and are not guaranteed. It is highly recommended to perform your own research and consult with a financial advisor before making any investment decisions.

RELATED: Do Not Put Your Money on PAGIBIG MP2 Savings - Here are the Alternatives


1. Aboitiz Equity Ventures, Inc. (AEV)

As a diversified conglomerate, AEV offers a balanced exposure to the Philippine economy, with major investments in power, banking, and food. This diversification provides a hedge against downturns in any single sector.

  • July 2025 Stock Price: AEV's stock price ranged from a high of ₱35.05 to a low of ₱28.90 in July 2025, closing the month at ₱31.50.

  • Average Dividends and Frequency: AEV pays dividends twice a year. Their March 2025 dividend was ₱1.54 per share.


2. Ayala Corporation (AC)

Ayala Corporation is a respected holding company and a bellwether of the Philippine economy. Its portfolio includes market leaders in high-growth sectors, making it a strong long-term investment.

  • July 2025 Stock Price: AC closed at ₱586.50 on July 11, 2025.

  • Average Dividends and Frequency: AC typically pays dividends twice a year. In July 2025, a regular cash dividend of ₱4.605 per common share was declared for the first semester.




3. BDO Unibank, Inc. (BDO)

As the largest bank in the country, BDO is a powerhouse in the financial sector. Its extensive branch network and robust financial performance make it a stable stock for investors seeking consistent dividends.

  • July 2025 Stock Price: BDO's stock price for July 2025 is not publicly available.

  • Average Dividends and Frequency: BDO pays dividends quarterly. Their second quarter 2025 cash dividend was ₱1.10 per share, payable on June 30, 2025.


4. Bank of the Philippine Islands (BPI)

BPI is one of the most trusted and oldest banks in the country. Its strong balance sheet and focus on digital innovation make it a competitive player in the evolving banking landscape.

  • July 2025 Stock Price: BPI's stock price for July 2025 is not publicly available.

  • Average Dividends and Frequency: BPI generally pays dividends twice a year. Their cash dividend of ₱2.08 per common share was payable on June 30, 2025.


5. International Container Terminal Services, Inc. (ICT)

ICT is a global port operator, offering a unique opportunity to invest in international trade and logistics. Its dividends are paid in US dollars, which can serve as a hedge against the volatility of the Philippine Peso.

  • July 2025 Stock Price: The share price of ICT ranged from a high of ₱499.00 to a low of ₱420.00 in July 2025. On July 17, 2025, it was trading at ₱445.00.

  • Average Dividends and Frequency: ICT typically pays dividends annually, often with a regular and a special cash dividend. The March 2025 payout was ₱14.16 per share.



6. PLDT, Inc. (TEL)

PLDT is the dominant player in the telecommunications sector. Its continuous investments in expanding its fiber network and 5G infrastructure position it for long-term growth as the country's demand for data and connectivity increases.

  • July 2025 Stock Price: TEL's stock price fluctuated between ₱1,225.00 and ₱1,317.00 in July 2025. On July 10, 2025, it closed at ₱1,225.00.

  • Average Dividends and Frequency: PLDT pays dividends quarterly. The dividends are based on a payout policy of 60-75% of its core earnings.


7. Manila Electric Company (MER)

Meralco is a defensive stock, meaning it's less affected by economic downturns. As the country's largest power distributor, its essential services ensure a stable and predictable revenue stream.

  • July 2025 Stock Price: MER's price ranged from ₱528.00 to ₱550.50 in July 2025, with a closing price of ₱535.50 on July 31, 2025.

  • Average Dividends and Frequency: Meralco consistently pays dividends quarterly, providing a stable income stream for investors. A recent dividend yield was approximately 4.45%.


8. San Miguel Corporation (SMC)

SMC is a diversified powerhouse with a wide range of products and services, from food and beverages to infrastructure and fuel. Its broad market reach and essential products make it a resilient company.

  • July 2025 Stock Price: SMC's stock price closed at ₱71.90 on July 31, 2025.

  • Average Dividends and Frequency: SMC generally pays dividends twice a year for its common shares.



9. Universal Robina Corporation (URC)

URC is a leader in the food and beverage industry, with a portfolio of well-known and loved brands. Its strong consumer base and market dominance provide a solid foundation for consistent earnings.

  • July 2025 Stock Price: URC closed at ₱85.20 on August 8, 2025.

  • Average Dividends and Frequency: URC typically pays dividends annually, and its March 2025 payout was ₱2.00 per share.


10. SM Prime Holdings, Inc. (SMPH)

SM Prime is the Philippines' largest and most dominant integrated property developer. Its large-scale portfolio of malls, residential projects, and hotels gives investors a direct stake in the country's consumer and real estate growth.

  • July 2025 Stock Price: SMPH's estimated share price was ₱33.54 as of July 17, 2025.

  • Average Dividends and Frequency: SMPH has a history of paying dividends annually, with its payouts linked to the company's strong earnings and growth.


Tips for Investors 📈

Before you invest, remember that past performance is not a guarantee of future results. It's essential to conduct your own research, consider your personal risk tolerance, and diversify your portfolio. Stocks like BDO and Meralco are good for those who prioritize regular income through dividends, while companies like PLDT and SM Prime offer a mix of growth and dividends. Always read a company's financial reports and stay updated on market news to make informed decisions.


A Guide to Top Philippine Stocks in 2025


SM Prime Holdings Inc. has unveiled plans for a major, P7-billion redevelopment of SM Megamall, one of the country's most iconic and highest-performing retail spaces. The project, led by United Kingdom-based architectural firm Benoy, will transform the mall into a more energy-efficient and nature-inspired destination under the theme "Crystal Islands." The phased renovation is scheduled for completion by 2029.



The redesign draws inspiration from the Philippines' natural beauty, aiming to blend a vibrant landscape with a modern retail experience. A key feature of the project is the creation of a Level 5 Garden, an air-conditioned oasis filled with tropical plants, dining areas, and seating for social gatherings.


To maximize daylight and reduce cooling costs, the garden will be topped with ETFE (ethylene tetrafluoroethylene) roofing, a lightweight and eco-friendly alternative to glass.


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Beyond aesthetics, sustainability is a core component of the redesign. The mall will integrate a rainwater harvesting system with a 500-cubic-meter capacity and upgraded mechanical systems to cut energy use. 


Furthermore, energy-efficient LED lighting and sensor-activated escalators are expected to deliver significant energy savings. The company is also reviewing the installation of solar panels as part of its broader carbon reduction program.




The project will add an estimated 20,000 square meters of gross leasable area, introduce themed retail zones, and include a new four-level basement parking facility with more than 1,600 slots. Other upgrades include expanded walkways, wider corridors, relocated cinemas, a redesigned food court, a new Megatrade Hall, and modernized vertical transport.


To manage the massive project without completely shutting down the mall, the new layout will be divided into three themed zones—Emerald, Sapphire, and Rhodolite Islands—allowing the renovation to be completed in phases.



SM Supermalls president Steven Tan acknowledged the "painful" but necessary process of closing certain portions of the mall for redevelopment, noting that the project is crucial for the business's long-term sustainability.



The mall currently boasts the highest per-square-meter sales across the company's properties, with a long waiting list of tenants. The "Crystal Islands" makeover is set to not only enhance the customer experience but also solidify SM Megamall's position as a leader in sustainable mall development.


Read Next . . .

SM Megamall to Undergo P7-B "Crystal Islands" Redesign


In an announcement that will affect shoppers and visitors, the management of Power Plant Mall has released an advisory detailing new parking rates, which will take effect on August 20, 2025.



The updated rates apply to both regular and valet parking services for cars and motorcycles.

For regular daily parking, four-wheel vehicles will now be charged a flat rate of ₱70.00 for the first four hours, with an additional ₱30.00 for every succeeding hour.

Motorcycles will see a rate of ₱60.00 for the first four hours, with a ₱10.00 fee for each succeeding hour.

RELATED: Explore Makati for Free with New Walking Tours 

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Valet parking rates have also been adjusted. The new rate for four-wheel vehicles will be ₱70.00 for the first four hours, with a ₱30.00 charge for each succeeding hour. The advisory also specified a ₱100.00 flat rate for valet parking on weekends and holidays.



For those requiring overnight parking, a new flat rate of ₱1,500.00 will be charged, in addition to the standard parking fees. The cut-off time for overnight parking is from 3:00 AM to 6:00 AM.




The new rates are a significant change for mall patrons and are expected to impact visitors who frequent the upscale shopping center. Customers are advised to take note of the new pricing structure to plan their visits accordingly.



Power Plant Mall Implements New Parking Rates, Effective August 20


The Department of Transportation (DOTr) officially launched the expansion of the Siargao Airport passenger terminal building with a ceremonial groundbreaking led by DOTr Secretary Vince B. Dizon on Friday in Sayak, Del Carmen.



The P95.2-million infrastructure project marks a major upgrade for Siargao’s main gateway, aiming to significantly boost capacity, improve traveler comfort, and support the island’s growing tourism industry.


Once completed, the expanded terminal will double in size—from 716 to 1,531 square meters—and increase the number of check-in counters from 3 to 9. Passenger capacity will also rise dramatically, from 200 to 750 people at a time, easing congestion and long wait times that have plagued the current facility.

“Our local and foreign tourists deserve better,” said Sec. Dizon during the ceremony. “That’s why President Ferdinand R. Marcos Jr. ordered us to improve the travel experience here in Siargao—because this island is one of our most important tourism destinations.”




Also present was Tourism Secretary Christina Garcia Frasco, who hailed the expansion as a “gateway to greater prosperity.” She emphasized that the project is not just about upgrading an airport but about delivering on a national vision of tourism-led growth and development.

“As Siargao’s popularity rises, it’s crucial that we build the infrastructure to match demand,” Frasco said. “This expansion is a collaborative effort between the public and private sectors to make travel more efficient and enjoyable, while also generating jobs and economic activity for the community.”



Siargao Airport, also known as Sayak Airport, currently handles 18 flights daily. However, increasing tourist arrivals have placed pressure on its facilities. The expansion project directly responds to this demand, aligning with broader goals to modernize the country’s air transport network.

The upgraded terminal is expected to provide not just more space, but a more seamless and comfortable travel experience—strengthening Siargao’s status as a world-class destination.




Officials from both the DOTr and DOT affirmed that the project would be completed efficiently, with construction beginning immediately following the groundbreaking ceremony.

For travelers and locals alike, the upgraded Siargao Airport promises to be a symbol of progress—where tourism, infrastructure, and community development go hand in hand.


OTHER INTERNATIONAL AIRPORTS IN THE PHILIPPINES



Siargao Airport Expansion Breaks Ground, Set to Triple Passenger Capacity


In a time when savings accounts from digital banks are offering interest rates rivaling traditional investments, time deposits (TDs) continue to hold their appeal for those who want guaranteed, predictable earnings.



By locking in your money for a set period, you can earn a higher interest rate compared to regular savings—without the volatility of the stock market or the complexity of mutual funds.

For 2025, some Philippine digital banks have stepped up with competitive TD offers, making them attractive alternatives to both low-interest brick-and-mortar banks and high-risk investments.


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1. OwnBank

1-Year Time Deposit Rate: 6.5% p.a.

OwnBank remains a favorite among savers for its consistently high, non-promotional interest rates. As of February 10, 2025, its updated TD rates are:

  • 15-day: 5.3% p.a.

  • 30-day: 5.5% p.a.

  • 90-day: 5.8% p.a.

  • 180-day: 6.0% p.a.

  • 360-day: 6.5% p.a.

The appeal lies in its stability. Unlike some digital banks that slash rates after a promo period, OwnBank has kept competitive yields for years.


This makes it ideal for conservative investors who prefer certainty over surprises. Pair that with daily interest crediting on savings accounts and high-yield TDs, and you have a solid platform for steady growth.


Also check out the 5 Credit Cards with No Annual Fees in the Philippines


2. Maya Bank

1-Year Time Deposit Rate: 5.75% p.a.

6-Month Time Deposit Rate: 6.0% p.a.

Maya Bank’s Time Deposit product has been drawing attention since its March 2025 update. The bank offers:

  • 3 months: 5.5% p.a.

  • 6 months: 6.0% p.a.

  • 12 months: 5.75% p.a.

While its 1-year rate is slightly lower than OwnBank’s, Maya wins in short-term TD competitiveness. If you’re the type who doesn’t like to commit funds for too long—or wants more liquidity—Maya’s shorter tenors can give you solid returns without tying up your money for a full year.



3. UNO Bank

1-Year Time Deposit Rate: 6.0% p.a.

UNO Digital Bank offers a clean, no-frills 6% p.a. on its 1-year time deposit. This makes it a solid middle ground for those who want higher returns than traditional banks without chasing promos.

UNO also offers competitive shorter terms, but its 6% 1-year option stands out for balance—good yield, stable offer, and the security of ₱1 million PDIC coverage. It’s a good option for those who want a slightly higher yield than Maya but without needing to commit to OwnBank’s full-year lock-in.



4. CIMB Bank – MaxSave Time Deposit

1-Year Time Deposit Rate: 5.5% p.a. (MaxSave TD)

CIMB’s MaxSave offers reasonable rates and is known for its customer-friendly account opening process, which can be done entirely online. While 5.5% p.a. is slightly lower than its top competitors, CIMB makes up for it with strong brand trust, a well-developed app, and the ability to seamlessly transfer funds between your savings and time deposit accounts.


For risk-averse savers who value stability and an established track record in the Philippine market, CIMB remains a reliable choice.

If you are looking for low-interest loans, here's my list of Personal Loans With the Lowest Interest Rates in the Philippines.


5. Tonik Digital Bank

1-Year Time Deposit Rate: 6.0% p.a.

Tonik has made a name for itself with bold interest rates and creative savings products like "Stashes" and "Group Stashes." Its 1-year time deposit sits at a competitive 6.0% p.a., matching UNO Bank’s rate and often paired with seasonal promos.

Tonik’s edge lies in its fast onboarding and quirky, gamified savings experience. While it’s relatively new compared to CIMB, it has quickly gained a loyal following among younger, tech-savvy savers.





Tips for Maximizing Time Deposits in Digital Banks


Diversify Terms: Split your funds across different tenors so you don’t lock everything up for too long.

Check PDIC Coverage: Never exceed ₱1 million per bank for full insurance protection.

Monitor Rate Changes: Digital banks can adjust rates quickly, so be ready to move your funds if better options arise.

Consider Laddering: Open multiple TDs with staggered maturities to balance liquidity and returns.

Pair with High-Interest Savings: Keep some funds in a high-yield savings account for emergencies.



The Bottom Line

If you want steady, reliable returns, OwnBank’s 6.5% p.a. for 1 year is the safest high-yield choice. For a solid middle ground, UNO Bank and Tonik offer 6.0% p.a., while Maya shines in shorter terms with up to 6.0% p.a. for 6 months. CIMB offers lower rates but brings stability and strong platform reliability.


Digital Banks in the Philippines

Visit my list of Top Digital Savings Banks in the Philippines to learn more!

Highest Time Deposit Rates from Philippine Digital Banks in 2025


CIMB Bank Philippines has launched its "August Earn More Promo Series," a campaign designed to reward both new and existing customers with boosted interest rates on their savings. The promo runs from August 1 to August 31, 2025, and offers the chance to earn a total interest rate of up to 8.6% p.a. on your deposits. This is a significant opportunity for digital banking users to make their money work harder.



The core of the promotion is simple: the more you grow your savings, the higher your interest rate. To qualify, customers must increase their total Average Daily Balance (ADB) across all their CIMB accounts, including UpSave, GSave, LazSave, FastPlus, and MaxSave, compared to their total ADB from the previous month. The additional interest rates are tiered, meaning you get a bigger boost for a larger increase in your savings.



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How to Earn Boosted Interest Rates

The promo provides a clear path to higher returns based on your deposit growth. Here's a breakdown of the boosted interest rates you can earn:



Base Rate: All GSave and UpSave accounts earn a base rate of 2.60% p.a. and 2.50% p.a. respectively, with no cap on the ADB.

+0.50% p.a.: Grow your total ADB by at least ₱1,000.

+1.00% p.a.: Grow your total ADB by at least ₱5,000.

+1.50% p.a.: Grow your total ADB by at least ₱10,000.

+3.00% p.a.: Grow your total ADB by at least ₱50,000.




It's important to note that these boosted rates are only applicable to the first ₱100,000 of your ADB growth. Any amount beyond that will earn the standard base rate. The rewards will be credited to your GSave and/or UpSave accounts proportionally after the campaign period ends.


To be eligible, you must have at least one active and unblocked GSave and/or UpSave account. This promo is a great way for both new customers to kickstart their savings and for existing customers to earn more on their already established funds. CIMB Bank's continued focus on high-interest promos solidifies its position as a leading digital bank in the Philippines.


Earn More Up to 8.6% p.a. Interest with CIMB's August Promo


For many, the idea of earning a monthly income from the stock market seems like a distant dream. However, as one investor from the "Corpo Slave Investor" community has highlighted, it's a very achievable goal.



By carefully selecting a portfolio of dividend-paying stocks on the Philippine Stock Exchange (PSE), investors can create a passive income stream that provides regular payouts throughout the year. The key lies in understanding which companies distribute dividends and their payment frequency, a process that requires diligent research.

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This guide, inspired by the insights of a seasoned investor, breaks down how to construct a dividend portfolio that can provide a consistent monthly income. It is crucial for every investor to remember to conduct their own due diligence, as market conditions and company policies can change.




The Strategy: A Breakdown by Payout Frequency

The strategy involves diversifying your portfolio across companies that pay dividends at different times of the year. By combining stocks that pay quarterly, tri-annually, semi-annually, and annually, you can ensure that cash flows into your account on a regular basis.


Quarterly Dividend Payers

These are the cornerstones of a monthly dividend income strategy, as they provide the most frequent payouts.

  • Real Estate Investment Trusts (REITs): By law, REITs are required to distribute at least 90% of their distributable income to shareholders on a quarterly basis. This makes them a reliable source of regular cash flow.

  • Holding Firms: Some major holding firms, such as LT Group, Inc. (LTG), are known to distribute quarterly dividends, sometimes with special bonus dividends on top of their regular payouts.

  • Telecommunications: Globe Telecom (GLO) is an example of a telecommunications company that consistently provides dividends to shareholders every quarter.

  • Banks: Certain banking institutions like BDO Unibank, Inc. (BDO) have a history of distributing dividends on a quarterly basis, making them a solid inclusion for a steady income.



Tri-Annual Dividend Payers

These stocks can fill in the gaps between quarterly payouts, adding to the monthly income stream.

  • Banking: Metrobank (MBT) has historically distributed dividends every four months. As the source noted, their latest payout was in late March 2025, offering a dividend yield of approximately 6.88%.


Semi-Annual Dividend Payers

These companies provide larger, less frequent payouts that can be strategically timed to complement the other dividends in your portfolio.

  • Utilities: Meralco (MER) is a prime example. Its dividends have shown a consistent increase over the past five years, reflecting a strong and stable business.

  • Telecommunications: Unlike Globe, PLDT (TEL) has a history of paying dividends on a semi-annual basis.

  • Port Operations: International Container Terminal Services, Inc. (ICTSI), a global port terminal operator, is known for its semi-annual dividend distribution.

  • Food & Beverage: The food giant Jollibee Foods Corporation (JFC), which operates in numerous countries, also falls into this category with its semi-annual dividend payouts.


Annual Dividend Payers

While they only pay once a year, these stocks can provide a substantial lump sum to round out the portfolio.

  • Holding Firms: Companies like Alliance Global Group, Inc. (AGI) and Aboitiz Equity Ventures, Inc. (AEV), with diverse investments across various sectors, typically distribute dividends on an annual basis.




Important Considerations and Caveats

This list primarily includes common shares, but preferred shares are another option to explore for dividend income. It's crucial to understand that a company's dividend payout is not guaranteed. It is subject to the approval of the company's Board of Directors (BOD). As the original post highlighted, some companies may halt dividend payouts due to factors such as low earnings or profits. The timing of dividend releases may also change, with the notable exception of REITs, which are legally mandated to distribute quarterly.


Conclusion: The Path to Passive Income

The conclusion is clear: earning a monthly income from the PSE is entirely possible. By strategically building a portfolio of dividend-paying stocks with varying payout schedules, you can create a reliable source of passive income. The key takeaway is to view the stock market not just for capital appreciation but also as a way to supplement or even replace your salary through dividend income.

While maintaining a day job, it is wise to strive for additional income streams like the stock market, always ensuring you do your own thorough research and due diligence before making any investment decisions.


More Financial Guides


Building a Monthly Income Stream from the Philippine Stock Exchange - Is It Possible?


The recent blocking of several international cryptocurrency exchanges in the Philippines has brought online security and accessibility to the forefront for many Filipinos. With local internet service providers (ISPs) now restricting access to certain websites, a Virtual Private Network (VPN) is no longer just a tool for privacy—it's a necessity for maintaining an unrestricted online experience.



A reliable VPN can help you secure your connection, bypass geo-restrictions, and ensure that your online activities remain private. Here is a comprehensive guide to five of the best VPN services and apps that Filipinos can use.

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1. ExpressVPN

ExpressVPN consistently ranks as a top-tier VPN service, globally celebrated for its exceptional speed, security, and ease of use. It boasts a massive network of servers across 94 countries, which is essential for providing stable and fast connections, whether you are streaming, gaming, or simply Browse. The service is particularly effective at bypassing geo-restrictions, which can be crucial for accessing a wide range of international content and services.


Its commitment to user privacy is unwavering, backed by a strict no-logs policy, AES-256 bit encryption, and a kill switch that automatically cuts your internet connection if the VPN drops. ExpressVPN's user-friendly apps are available for nearly every device, from smartphones and laptops to routers, making it a powerful and convenient solution for all your digital needs.

Pricing (approximate):

  • Monthly: $12.95

  • 6-Months: $9.99/month (billed at $59.95)

  • 12-Months + 3 Months Free: $8.32/month (billed at $99.95)

Go to expressvpn.com to learn more.



2. NordVPN

NordVPN is another industry leader, widely recognized for its robust security features and extensive server network. With thousands of servers worldwide, including a strong presence in the Asia-Pacific region, NordVPN ensures that Filipinos can find nearby servers for optimal performance. The service is an excellent choice for security-conscious users, offering advanced features like Double VPN, which encrypts your connection twice, and CyberSec, which blocks malicious websites and ads.

Beyond its security, NordVPN is also a performance powerhouse, with a custom NordLynx protocol designed for blazing-fast speeds. It's a versatile service that is perfect for streaming, downloading, and general Browse. Its apps are visually appealing and easy to navigate, making it a great option for both beginners and experienced VPN users.

Pricing (approximate):

  • Monthly: $12.99

  • 1-Year Plan: $4.99/month (billed at $59.88)

  • 2-Year Plan: $3.39/month (billed at $81.36)


3. Proton VPN

Proton VPN is a unique service that places a paramount focus on privacy and transparency. Developed by the same team behind the secure ProtonMail, it operates under strict Swiss privacy laws, guaranteeing a clear and audited no-logs policy. For Filipinos who are particularly concerned about their data security, Proton VPN's Secure Core feature provides an extra layer of protection by routing your traffic through highly-secured servers in privacy-friendly countries before it leaves their network.


A key highlight is the availability of a free plan that comes with unlimited data, allowing you to secure your connection without any cost. While the free plan has a limited number of servers, it's an excellent way to experience the service's strong privacy features before considering a paid subscription for better speeds and a wider server selection.

Pricing (approximate):

  • Free Plan: Limited servers and speed.

  • Plus Plan: Starts around €4.99/month, with a discount for a 2-year commitment.

Visit proton.me to learn more.



4. Hide.me VPN

Based in Malaysia, Hide.me VPN has carved out a solid reputation for providing a fast, secure, and user-friendly service. Its location in Asia often translates to great connection speeds for Filipino users. The service is a strong contender for those who prioritize security and a clear, audited no-logs policy.

Hide.me's free plan is particularly notable for its generosity, offering unlimited data, which is a significant advantage over many other free VPNs. This allows you to browse securely for as long as you need, albeit with some limitations on server locations and speed. For those who need more, its premium plans are competitively priced and offer a wider range of features, including split tunneling and a larger server network.

Pricing (approximate):

  • Free Plan: Unlimited data, but with limited servers and one connection.

  • 1-Month Plan: $9.95

  • 1-Year Plan: $4.57/month (billed at $54.95)

  • 2-Year Plan: $2.69/month (billed at $64.56)

Visit hide.me to see more options.


5. Surfshark

Surfshark has quickly become a popular choice, thanks to its outstanding value and unique feature set. A single subscription allows for an unlimited number of simultaneous connections, making it the most budget-friendly option for families or individuals with multiple devices. Despite its affordable price, Surfshark does not skimp on features, offering a comprehensive suite of security tools.

The service includes powerful features like CleanWeb, an ad and malware blocker, and NoBorders mode, which is specifically designed to bypass internet restrictions in heavily censored regions. It also offers a fast and reliable connection with a wide network of servers. Surfshark strikes an excellent balance between affordability and high-end features, making it a fantastic choice for any Filipino looking to secure all their devices without breaking the bank.

Pricing (approximate):

  • Monthly: $12.95

  • 1-Year Plan: $3.99/month (billed at $47.88)

  • 2-Year Plan: $2.49/month (billed at $67.23)


Tips for Filipinos Choosing a VPN

When selecting a VPN, consider your specific needs. If your priority is streaming, look for a service with fast speeds and a strong track record of unblocking content (like ExpressVPN or NordVPN). If you need to protect multiple devices on a budget, Surfshark is an unbeatable choice. For those who value privacy above all else and want to start with a free option, Proton VPN or Hide.me are great starting points. Always remember that while a VPN can circumvent a lot of ISP-level blocking, it's not a silver bullet, and its effectiveness can vary.


Conclusion

As the digital landscape in the Philippines becomes more regulated, having a trustworthy VPN is more important than ever. These five services offer a range of features and pricing to suit every user, from the casual browser to the dedicated crypto trader. By investing in a quality VPN, you are not just buying a service; you are securing your right to a private, accessible, and unrestricted internet experience.

5 Best VPNs to Use in the Philippines


Filipino cryptocurrency traders are facing a significant disruption as major internet service providers (ISPs) in the Philippines have begun blocking access to several prominent international crypto exchange platforms. This decisive action follows a series of warnings from the Securities and Exchange Commission (SEC) regarding the unregistered operation of these platforms within the country.



Reports have surfaced throughout the day confirming that users of ISPs like PLDT and Smart are now unable to access the websites and applications of a growing list of international cryptocurrency exchanges.

This move comes after the SEC issued an Investor Alert against ten specific platforms, urging the public to refrain from investing or trading with them due to their lack of necessary licenses under the Philippines' new Crypto Asset Service Provider (CASP) Rules, which took effect on July 5, 2025.


The list of crypto trading websites reportedly no longer accessible includes:

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  • Binance
  • OKX
  • Bybit
  • MEXC
  • KuCoin
  • Bitget
  • Phemex
  • CoinEx
  • BitMart
  • Poloniex
  • Kraken

The SEC had previously warned that it may request the blocking of access to these websites and applications as part of its efforts to protect Filipino investors. The regulator emphasized the risks associated with using unregistered platforms, including the potential for fraud, loss of funds, and lack of legal recourse for investors.




This crackdown represents a significant escalation in the Philippine government's regulatory efforts within the cryptocurrency space. The SEC has been actively working to ensure that all entities facilitating crypto transactions within the country are properly registered and compliant with local laws. The earlier successful geo-blocking of Binance served as a clear indication of the regulator's intent to enforce these rules.

While access to these major international platforms is now restricted, the SEC has highlighted several registered local exchanges that Filipinos can utilize for their cryptocurrency trading activities. These compliant platforms include:



  • PDAX: Accessible via both web and mobile applications.

  • CoinsPH: Recognized as the largest Philippine-based cryptocurrency exchange.

  • GCrypto: Integrated within the GCash application and powered by PDAX on its back-end.

  • MayaCrypto: Available on the Maya platform, although currently without send and receive functionalities.

The blocking of these international exchanges serves as a stark reminder for cryptocurrency investors in the Philippines to exercise caution and prioritize trading on platforms that have secured the necessary licenses from the local regulatory authorities.


The SEC continues to urge the public to be vigilant and to only engage with entities that operate within the legal framework to ensure investor protection. The "crackdown has begun," signaling a new era of stricter regulation within the Philippine cryptocurrency market.


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Did you know you can now cash in to your Maya wallet using your credit card—with zero convenience fees? That’s right—Maya is running a promo that allows users to cash in using Visa credit cards without being charged the usual 2%–3.5% service fee. I tried it myself using my BDO Visa credit card, and here’s everything you need to know before trying it yourself.



What Is the Maya Visa Credit Card Cash-In Promo?

Maya is currently offering a No Convenience Fee promo when you cash in using any Visa credit card, directly through the app. This is a major win for users who want to fund their Maya wallet without bank transfers, InstaPay, or trips to physical stores. You can now top up directly from your credit line at no additional cost—if you do it right.


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Promo Period

As of writing (August 2025), the promo is ongoing, but like all promos, it may be time-limited. Check the Maya app announcements or their social media pages to see if it’s still active.





My Personal Experience with BDO Visa Credit Card

I tested the process myself using my BDO Visa credit card, and here’s how it went:

  • ✅ The transaction pushed through instantly

  • ✅ I was not charged any convenience fee

  • ✅ The amount was credited to my Maya wallet in real time

  • ✅ It worked as long as the amount was under ₱5,000

However, there were a few key limitations:

  • ⚠️ Maximum of two transactions under ₱5,000 were allowed per day

  • ⚠️ My attempts to cash in ₱5,000 or higher were declined

  • ⚠️ BDO only allowed a total of ₱9,998 (₱4,999 × 2) in one day

So if you’re using a BDO Visa credit card, you can cash in up to ₱9,998 daily using this method—as long as you split the transactions.



Important: Check for Quasi-Cash Fees

While Maya waives their own convenience fee during the promo, some banks treat wallet top-ups as “quasi-cash transactions”, which may trigger cash advance fees or interest charges.



How to Avoid This


Check your bank's policy before using their credit card

Call your bank and ask: “Do you charge quasi-cash or cash advance fees for wallet top-ups?”

Use banks that treat Maya top-ups like regular purchases (BDO Visa seems to be one of them)

Banks known for quasi-cash fees include some foreign banks, fintech cards, and even certain local Mastercard issuers. Visa cards seem to work better overall for this promo.

Apply for a BDO Credit Card now!


How to Cash In to Maya Wallet Using Your Credit Card

Here’s the full step-by-step process:

  1. Open the Maya app

  2. Tap “Cash In” from the home screen

  3. Select “Credit/Debit Card”

  4. Tap “Link a New Card” and enter your Visa credit card details

  5. Set your desired amount (keep it under ₱5,000 per transaction)

  6. Confirm the payment and complete any OTP verification from your bank

  7. Wait for the top-up to reflect—should be instant

You’ll receive confirmation from both Maya and your credit card provider.




Reminders Before You Try It


💡 Only Visa credit cards are eligible for the no-fee promo (not Mastercards)

🔐 Make sure your card supports online transactions and 3D Secure

⚠️ Some banks might decline transactions flagged as wallet top-ups

📈 If you exceed daily limits, you may need to wait 24 hours before trying again



Final Thoughts

This Maya Visa credit card cash-in promo is a smart way to add funds to your wallet for free, especially if you're investing through DragonFi Lite, paying bills, or sending money. Just be mindful of your card’s policies and transaction limits to avoid any surprise fees.

If you’re using a BDO Visa card like me, it’s a safe bet—but always start with small amounts and monitor your credit card statement after your first few transactions.


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How to Cash In to Maya Wallet Using a Credit Card (with No Fees!)

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