the ones with PDIC insurance are pretty safe i woundent say 100% but what is that safe . keep in the limits that PDIC put on the accounts I think some rural banks are still paying 18% now monthly into your account and if you use a good rep he ll give you half his commison back normaly 5% so million you get 50,000 php back in cash not bad only problem now is exchange rate cost you lot more to bring a million in to philippines take care gaz/maybs