Transparent, objective criteria for rating financial products in the Philippines
Our star ratings help Filipino consumers quickly identify the best financial products for their needs. We use objective, data-driven criteria that reflect real value to consumers, not marketing claims or business relationships.
Annual fee vs. benefits ratio, waiver conditions, and fee competitiveness in the Philippine market.
Earning rates, redemption options, point value, and ease of earning rewards on daily Filipino spending.
Insurance coverage, airport lounge access, dining privileges, and exclusive offers relevant to Philippine cardholders.
APR, penalty fees, foreign transaction fees, and other charges compared to industry standards.
Mobile app quality, online account management, and digital payment integration (GCash, PayMaya).
Merchant acceptance in the Philippines, ATM access, and application requirements.
Annual percentage yield (APY) compared to BSP reference rates and market averages.
Initial deposit, maintaining balance, and penalties for falling below minimum.
Bank financial strength, BSP compliance, and deposit insurance protection.
ATM network coverage, online banking features, and branch availability across the Philippines.
Monthly fees, transaction charges, and other account-related costs.
Annual interest rates, effective interest rates, and competitiveness vs. Philippine market rates.
Processing fees, prepayment penalties, late fees, and total cost of borrowing.
Application ease, required documents, approval speed, and eligibility requirements for Filipinos.
Repayment terms, loan amounts available, and prepayment options.
BSP/SEC licensing, customer service quality, and complaint resolution track record.
Historical performance, consistency, and returns relative to Philippine market benchmarks.
Management fees, sales loads, and total expense ratios compared to similar Philippine products.
Risk-adjusted returns, volatility, and portfolio diversification strategies.
Manager experience, investment strategy, and SEC/BSP compliance record.
Minimum investment amounts, liquidity, and ease of buying/selling for Filipino investors.
We gather current product information directly from financial institutions, regulatory filings, and official sources.
Products are scored against our weighted criteria using standardized metrics and Philippine market comparisons.
Financial analysts review scores for accuracy and context, considering factors specific to the Philippine market.
Final star ratings are assigned based on total scores and published with detailed explanations.
Ratings are reviewed quarterly or when significant product changes occur to maintain accuracy.
We welcome feedback and questions about our rating methodologies and specific product ratings.
📧 Rating Questions: ratings@geekcash.ph
📊 Methodology Updates: methodology@geekcash.ph
🔍 Product Information: products@geekcash.ph
Last updated: December 2024 | Next review: March 2025