Tonik - Fast Loans & Deposits

71.3K reviews
Content rating
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About this app

Tonik is the Philippines' first neobank with a digital bank license offering savings deposits with sky high interest rates and quick online cash loans and shop installment loans for all of life’s necessities.

Innovative. Passionate. Customer-first. That's Tonik.

We're a 100% digital bank on a mission to revolutionize the way money works in Southeast Asia, offering only fast, easy, and secure transactions with a team of experienced bankers taking care of all your financial needs. We're a neobank that's there for you 24/7 with services that'll help you get ahead. Install the app today and avail any of our products below:


Your Tonik Account is your main account. It'll give you the satisfaction of also having 5 Stashes and 5 Time Deposit accounts within the Tonik App. You're going to love how you can move, organize, and personalize your cash. You will also have a virtual card and can request for a physical debit card to use in all your financial transactions.


Need an easy loan but got no credit history or collateral? Our Quick Loan has got you covered. You can get approved in just minutes and borrow PHP5000 up to PHP50,000 depending on your needs.

It's called quick for a reason, because you only need to submit 1 valid ID and 1 month's payslip. Plus, your payment dates are on your terms: choose whichever date is most convenient for you and get auto-debited on that date!

What else is awesome about getting a loan with a digital bank is that you can see all your details on the app and cash out the full amount in real time. We've also got no pre-termination or early payment fees! Yass!


• Fast approval and real-time disbursement to your Tonik Account
• No credit history and no collateral needed
• Minimal documents required - only 1 valid ID and proof of income
• Flexible payment date - your preferred salary payout date
• 6, 9, 12, 18, or 24 months installment
• 100% digital - all loan info can be seen on the Tonik App
• Cash out the full loan amount real-time
• One bank account for application and cash disbursement
• No pre-termination or early payment fees
• Top up your main account. Get auto-debited on your due date


• Loan amounts: ₱5,000 to ₱50,000
• Loan tenure: 6 to 24 months
• Service Fee: : ₱500
• Monthly EIR: Average 7% but depending on due date
• Maximum Annual Percentage Rate (APR): 84%
• Late fee: ₱500
• Applicable Taxes (DST & GRT): None

Note: Quick Loan Annual Percentage Rate (APR) is at 84%. Linking your salary payroll card will lower said APR to 65%. Minimum loan installment term is 6 months and maximum is 24 months. The Monthly EIR is also based on diminishing principal because principal balance decreases as you pay your monthly installments on time. Example computation: If you apply for a ₱5,000 from Tonik app and opts for 180 days or 6 months installment, you would need to pay a monthly fee of only ₱ 1,048.98.


In-Store shopping has never been easier with Tonik’s Shop Installment Loan. Borrow up to ₱100,000 now and pay it back later for your next shopping spree at our partner stores. Buy Now Pay Later is more fun and helpful with Tonik In-Store shopping. Get a Shop Installment Loan today!


• Loan amounts: ₱5,000 to ₱100,000
• Loan tenure: 3 to 24 months
• Service Fee: : None
• Monthly EIR: Average 4.5% but depending on due date
• Maximum Annual Percentage Rate (APR): 54%
• Late fee: ₱500
• Applicable Taxes (DST & GRT): None


Any Filipino who is:

✔️ At least 18 years old
✔️ Has a residence in the Philippines
✔️ Has a valid email address
✔️ Has an active Philippine mobile number
✔️ Does not classify under the United States FATCA



Tonik Digital Bank, Inc. is regulated by the Bangko Sentral ng Pilipinas.
Updated on
Aug 28, 2023

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
No data shared with third parties
Learn more about how developers declare sharing
No data collected
Learn more about how developers declare collection
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

70.5K reviews
Renz Santos
September 6, 2023
The app itself is disappointment. Tried to top up using my debit card, first it went through, the second time there's an error with their end, I forgot to screenshot cause I thought the amount that has been charged to my debit card will be refunded but it's not. SCAM APP!!!. Tried to send an email, it seems like the email is also scripted like their in-app customer service chat. Never again. Not recommended.
7 people found this review helpful
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Tonik Bank
September 6, 2023
Sorry, luv. Our third party payments provider experienced some issues recently that may have affected your transfer. Your transfer should either push through to your receiving bank or be credited back to your sender bank in 1-3 business days or as advised by our CC team. If you have a ticket number, we can check on this for you. Super thanks. XOXO
Zac Mikaelson
September 6, 2023
Still checking how it goes. The app UI needs fixing to avoid delay and confusion... Thanks And as i thought the process did not went well... If you dont want wasting your time filling information with 1 week or repayment and high interest so stop accessing this...... Whew changing my rating from 3 to 1.... You still have chance to improve though. Keep it up!
1 person found this review helpful
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Tonik Bank
September 3, 2023
Hi there, luv! So sorry to hear about this. We do hope that you reported this to our CC Team via Tonik in-app chat, hotline (+63253222645), or email ( Once reported, they will be able to resolve your app issues. Please trust that we work on these for improvement. XOXO
Ciela Lacap
August 28, 2023
First experiece loaning was really good. I cannot say this second time around. No late payment, paid ahead and when I applied again, got rejected. Probably because their agents are calling me on a weekend which is the only time I have for rest. Edit: Got a response saying depending on the documents submitted. I actually sent the same documents showing higher income. 🤸
7 people found this review helpful
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Tonik Bank
August 28, 2023
Hi there, luv! Approval of a new loan would depend on our risk analysis based on the data provided during the tenure of your loan. Each loan history is unique, and depending on the data we gather, some might be able to re-apply for our loan products, while some might not. Super appreciate your patience, hun! XOXO

What's new

• Upgraded our Face and ID Scan for new customers
• Optimized the tonik app dashboard for faster loading
• Implemented updates to our Loan products
• When a million customers align, you know they're getting the neobanking romance they deserve.