In an era of stagnant salaries and soaring prices, keeping your money in a regular savings account with near-zero interest means your hard-earned cash is quietly being eroded by inflation! Looking for which bank offers the highest time-deposit rates, or feeling overwhelmed by the many high-interest savings options? Don’t worry. This guide provides a one-stop breakdown of the latest 2025 high-yield time-deposit recommendations and high-interest digital accounts. With detailed comparison tables and expert insights, you can easily find the savings strategy that suits you best, maximize your passive income, and stop your wealth from shrinking.💰
Before deciding on a savings method, understanding the difference between “high-interest savings” and “traditional time deposits” is essential. There is no absolute right or wrong between the two, only whether they fit your financial plan. Knowing their characteristics is the first step toward making an informed decision.
High-interest savings, mainly offered by “digital accounts”, provide deposit rates far higher than traditional savings accounts. Their biggest advantage is flexibility: although the interest rate is high, the funds can be deposited or withdrawn at any time without any lock-in period.
Suitable for:
Traditional Time Deposit (Fixed-Term Deposit) are agreements between you and the bank to lock your funds for a fixed period (such as one year or two years) in exchange for a higher, fixed interest rate compared with regular savings. Their core value lies in stability and discipline.
Suitable for:
Still unsure? Use the simple checklist below to quickly identify the savings method that suits you best:
| Checklist Items |
Option A |
Option B |
| Frequency of fund usage | May need to use funds at any time (emergency fund) | Will not use funds for more than one year |
| Savings purpose | Daily reserve funds, short-term cash flow | Home purchase, retirement, children’s education fund |
| Financial habits | Highly disciplined, flexible in allocation | Needs tools to assist with disciplined saving |
| Conclusion | 👉 High-interest savings | 👉 High-interest time deposit |
Digital accounts are powerful tools for young savers to accumulate their first pot of gold. To capture market share, banks are launching attractive high-interest offers one after another. The following is a summary of the most notable digital accounts on the market in 2025, allowing you to see digital account interest rates and limits at a glance.
(Note: The following rates and conditions are based on information available at the time of writing. Please refer to each bank’s official website for the latest offers.)
| Bank | Annual Savings Rate | Promotional Limit | Requirements |
| Next Bank | 3.5% | Within NT$50,000 | No requirements |
| Union Bank New New Bank | 8% (new customers, limited quota) | Within NT$100,000 | New customer promotion |
| Taishin Bank Richart | 3.2% | Within NT$100,000 | Complete designated tasks |
| Cathay United Bank KOKO | 3% | Within NT$50,000 | Complete designated tasks |
| FEIB Bankee | 2.6% (referral program) | Within NT$50,000 | Invite friends |
| First Bank iLEO | 2% | Within NT$120,000 | No requirements |
| O-Bank | 6.66% (new customers) | Within NT$100,000 | New customer promotion |
For those who dislike complicated rules and simply want an easy way to save, “no-requirement” high-interest savings accounts are the best choice. These accounts do not require you to complete any tasks and offer promotional rates as soon as you open the account.
If you are willing to spend a bit more effort participating in bank promotions, “task-based” accounts can offer you even higher returns. Common tasks include:
Representative bank: Taishin Bank Richart is a pioneer of task-based accounts. By simply completing easy tasks such as foreign currency exchange or setting up automatic transfers, you can easily boost the rate from the base 1.325% to 3.2%, making it the primary account for many savvy savers.
For savers who have idle funds and seek stable returns, time deposits remain an essential part of asset allocation. Especially during a rate-hike cycle, locking in a favorable one-year time-deposit rate allows you to earn steady and reliable returns.
Time-deposit rates at major banks fluctuate with central bank policies. Below is a reference list of rates from major banks. It is recommended to check each bank’s official posted rates before making a deposit to obtain the most accurate information.
| Bank | One-year time-deposit rate (fixed) | One-year time-deposit rate (floating) |
| Bank of Taiwan | 1.600% | 1.565% |
| Cathay United Bank | 1.590% | 1.555% |
| E.SUN Bank | 1.600% | 1.560% |
| Fubon Bank | 1.585% | 1.565% |
| DBS Bank | 1.650% (usually with promotional offers) | 1.580% |
In global economic fluctuations, the US dollar is often regarded as a safe-haven currency. In addition to exchange-rate advantages, USD time-deposit rates are generally higher than NTD deposits. If you hold foreign currency funds or plan for overseas investment or travel, allocating part of your assets to USD time deposits may allow you to earn both “interest spreads” and “exchange-rate gains”. Many banks periodically launch high-interest USD deposit promotions, with rates reaching 4% or even 5%, making them worth close attention.
A digital account is a bank account without a physical passbook, and all services (account opening, transfers, inquiries) are performed through online banking or a mobile app. To save on operating costs from physical branches, banks often return those savings to users through high interest rates and free interbank transfers. This is why digital accounts generally offer far better benefits than traditional accounts.
Interest on high-interest savings accounts is usually “calculated daily and paid monthly”. The bank calculates your daily interest based on the final balance in your account each day, multiplied by the announced annual interest rate, then divided by 365 days. It then adds up the total interest for the entire month (usually at the end of the month or the beginning of the following month) and deposits it into your account in one payment. You can clearly see the interest entry in your transaction history the following month.
Yes. The biggest limitation of time deposits is the locked-in period. If you terminate before the agreed term ends (for example, one year), the bank will calculate the interest already accumulated using 80 percent of the posted rate. For example, if the original interest was 1,000 NT dollars, you may receive only 800 NT dollars after early termination. This is an opportunity cost, so before setting up a time deposit, make sure you will not need to use that money during the agreed period.
Yes. According to tax regulations in Taiwan, interest earned from bank deposits is classified as “interest income”. Each household has an annual tax-exemption threshold of NT$270,000 for interest income. For most young savers and average families, it is difficult for yearly interest earnings to exceed this threshold, so taxation is rarely a concern. Banks also provide an interest-income statement before tax season each year for your reference.
In summary, whether you prefer the flexibility of “high-interest savings accounts” or the stable returns of “high-interest time deposits”, the financial market in 2025 offers highly competitive options. The key is to make the smartest choice based on your deposit amount, how often you need to use your funds, and your risk tolerance. This article has compiled the most detailed high-interest savings comparison and bank time-deposit rate information for you. Take action now, find the best home for your savings, and begin the first step of smart financial planning!
