First time posting on this subreddit! Been a long-time lurker here looking for advice but everything just gets so muddled with everyone’s experiences on digital banking and savings in general. I was wondering if there was a more guided option for my situation which I could consider based on the general consensus.

Been saving for a while now and hit my goal of P200k and instead of it wasting away in my bank account, I was looking to put it up for TD at RCBC, mainly for the Hex member privileges. But then going through this subreddit, and other financial articles, I read digital banks like UNObank, GOTyme and CIMB have been on the rise lately and they offered better interest rates. What would be the best, most relatively safe option if I was looking to TD and never touch my savings for about 1-3 yrs? Thanks in advance!