Compare Banks in Panama 2026
The only honest guide: real rates from 15 banks, no sponsorships, no fine print.
"Your money at Banco General earns 1% per year. At Unibank it earns 4.75%. That's $375 more per year doing nothing."
The gap between traditional banks and new digital accounts has never been wider. Here we show you exactly where your money is working and where it isn't.
Savings Account Comparison
Enter your balance to see annual earnings at each bank
Unibank
Uni+ Digital
Estimated yield ($10,000)
$475per year+$375 vs BGMin. balance
No minimum
Rayo Pago
Cuenta Rayo
Estimated yield ($10,000)
$450per year+$350 vs BGMin. balance
No minimum
Towerbank
TowerPlus
Estimated yield ($10,000)
$350per year+$250 vs BGMin. balance
$5,000
Towerbank
TowerMax
Estimated yield ($10,000)
$300per year+$200 vs BGMin. balance
$2,500
Caja de Ahorros
Cuenta de Ahorro
Estimated yield ($10,000)
$275per year+$175 vs BGMin. balance
$1
Banco Pichincha
Cuenta de Ahorro
Estimated yield ($10,000)
$200per year+$100 vs BGMin. balance
No minimum
Global Bank
Cuenta Online MAX
Estimated yield ($10,000)
$175per year+$75 vs BGMin. balance
$100
Banco Nacional
Cuenta de Ahorro
Estimated yield ($10,000)
$150per year+$50 vs BGMin. balance
$100
Banistmo
Cuenta de Ahorro
Estimated yield ($10,000)
$125per year+$25 vs BGMin. balance
$100
Davivienda
Cuenta de Ahorro
Estimated yield ($10,000)
$125per year+$25 vs BGMin. balance
$100
BAC Credomatic
Cuenta de Ahorro
Estimated yield ($10,000)
$125per year+$25 vs BGMin. balance
$100
Banco General
Cuenta de Ahorro
Estimated yield ($10,000)
$100per yearMin. balance
$100
Multibank
Cuenta de Ahorro
Estimated yield ($10,000)
$100per yearMin. balance
$100
Banking system average: 1.00% APY (SBP, December 2025)
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