The best bet for me would be a hybrid approach because of the returns Bitcoin can yield in a bullish season and holding for half to almost a decade, assures this interest without any risk to core principal, while the interest from the bank is just a soft landing Incase of complexities that may come unannounced.

No matter how faulty our banking system is, it helps to always have some funds there to protect against liquidity if Bitcoin asset when there's a serious need case and besides in a country where BTC isn't a legal tender and you hold some in self custody, the use of fiat can't be overlooked because it would always come handy.

I don't know why anyone will want to take Bank ROI over Bitcoin investment. If the banks are going to give you a percentage on return, they are definitely getting back more than the yield they are offering. Not like the funds sit in their vault, they also distribute their risk to make more money so they can pay back customers. Now, the bank you afr giving your money is taking risk because of a specific return when you could have done better with Bitcoin.

There is nothing certain now with Bitcoin, it was never and nobody knows but for him to guess the return on what Bitcoin could do is wrong either. If I'm having a funds that I wouldn't touch in 5 years time, not emergency, not for any concern, I'm definitely giving a try with Bitcoin. The least you can worry now is buying at all time and the price is even fair here, the price is not bad from here to go all in.

Nobody can give you actual numbers. Because nobody knows what the future will look like. But Bitcoin is definitely far more profitable than leaving your money in the bank and getting a fraction of the money that your money generates.

With Bitcoin it is 100% yours and the profits are multitudes greater.

No question: Bitcoin wins. At least from my own subjective perspective. You might get other opinions here.

If you keep your money in Bitcoin, it has been seen since the launch of Bitcoin that your money will be 3-4x within 4-5 years. And if you keep your money in the bank, the chances of it being 100% within this period are very less because even if you get 10-12% annual interest from the bank, income tax will be deducted from it at 10-15%, so in that case your profit range will be further reduced.

But if you invest in Bitcoin, there is a risk here too because the price of Bitcoin fluctuates. If you keep money in the bank, you can withdraw that money at any time and you will not lose anything, but in the case of Bitcoin, if you suddenly want to cash out Bitcoin, you may also be in loss because it is not possible to predict in advance what the price of Bitcoin will be at that time. So if you can successfully hold Bitcoin for 4-5 years, then I would say invest in Bitcoin instead of keeping money in the bank. Because you will have the opportunity to get the same amount of profit as you would get by keeping money in the bank for 20 years within 4-5 years through investment in Bitcoin.

You are right, the purpose of keep money inside the bank is for easy access. Your bank should be where your emergency savings, back up funds and any other type of savings should be kept. One day you might want to buy drugs or something else,  you can easily withdraw money from ATM to pay, because it will be inconvenient for you to start selling part of your Bitcoin to pay.
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Any money someone wants to put into bitcoin should be for investment alone, it shouldn't be touched just because an emergency arises. Of course there's no good returns when you save in the bank, but if you're uncomfortable with the way  Inflation rises, then put half of the money into Bitcoin and the remaining balance in bank for spending.  At least you won't be putting everything in one place.

If you keep money in the bank, you should not just look at the interest rate, but in this case, if you observe increasing inflation, then if you keep money in the bank and consider the value of that money after 10 years, you will see that the value of your money has decreased by half. If you invest in Bitcoin for 10 years, you will see about two halving cycles in ten years, in which case you will definitely have the possibility of doubling or quadrupling your profit.
Moreover, instead of keeping money in the bank, you could have done one more thing, especially if you invested in gold or land as a physical asset, then you would definitely have gotten several times more profit than the bank. So I will not do the stupid thing of keeping money in the bank, especially instead of keeping money in the bank, I will invest in physical assets or invest in Bitcoin and hold it for 10 years like DPS.

The OP way be getting 11.5% interest but the government is taking a percentage of that through
inflation, so its not really 11.5% and then there is probably a tax on that profit also.

For example in my country the government are providing a savings scheme over 10 years at 22%!
yes 22% . . . over the 10 years which is only 2.2% per year but inflation is advertised at running at
about 4%, in reality its higher. So anyone putting money in the bank is actually losing.

Same with the OP's scenario, its not actually 11.5,%

Thats where BTC makes better sense

There is never a day that would come when a limited and scares asset would be seen to have the same value or relatively same value as an asset that is printed almost as it diminishes.
Bitcoin has shown its potential in valuation over a short period of time and its adoption continues to be on the rise, promising high returns for investors, having your money saved away in one bank would just mean, subjecting it to inflation while you get little to no profit on it.

Bitcoin is the best option for anyone who want to hold for long periods of time, for an individual to know what he has achieved with his money, the best thing is to invest in bitcoin, keeping your fiat in the bank is a waste of time for me, even though fiat has been the most valuable currency in our lives, but anyone who wants to achieve a good return in the future should go for bitcoin, bitcoin doesn't get control like the way banks control the customers money or charges them every months for monthly fees even without not doing any transactions.

Bank saving is always different from investing in bitcoin because banks continue to do business as usual, whereas investing in bitcoin allows you to build for yourself in the future. If someone asks me if it's better to keep his money in fiat in the bank or invest it in bitcoin, my answer is always to invest in bitcoin if he intends to hold it for the next 5 years, because that is the best option that will help.

That’s a guaranteed 10% profit per year which is already huge less risk investment especially if there’s no capped on the amount you will invest then I will definitely choose that for the majority of my savings than risk on the x2 or x3 of Bitcoin that can also give you the risk of wiping out 50% of your investment more or less assuming you will need the money on the bad market.

I say just put on Bitcoin the amount you are willing to lose like part of your salary then focus most of your money invested on less risky which 10% interest rate is already good. I will take that offer if my bank gave it but it’s too bad interest here just darn low so I invest most of my money invested Bitcoin especially that inflation hits hard on PHP.