Tonik - Fast Loans & Deposits

4.3
114K reviews
1M+
Downloads
Content rating
Everyone
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About this app

Tonik is the Philippines' first neobank, proudly holding a digital bank license from the Bangko Sentral ng Pilipinas. At Tonik, we offer high-interest savings, round-the-clock customer care, and innovative services crafted to streamline your credit-building journey.

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 of your financial goals – that includes the Tonik Credit Builder!


TONIK CREDIT BUILDER

The Tonik Credit Builder is your partner in navigating your financial journey. Using your Tonik Account, you can start building the foundation of a strong credit history in just a few taps.

By making timely payments, consistent savings, and daily transactions, you’ll unlock financial opportunities once beyond your reach. This will pave the way for you to live your best life - your financial ever after.

Take the first step with the Tonik Credit Builder today, and let's make credit history together!

TONIK CREDIT BUILDER FEATURES:

• 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 a Tonik Account required

• Flexible payment date - your preferred salary payout date

• Monthly add-on interest rates as low as 4.84%

• 6, 9, and 12 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

• With convenient and various repayment options

Annual Percentage Rate (APR) is 95%

Tonik is a digital bank licensed and regulated by the Bangko Sentral ng Pilipinas and is a member of PDIC.
Updated on
Apr 10, 2025

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.
This app may share these data types with third parties
Personal info, Financial info, and App activity
This app may collect these data types
App activity
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

4.2
113K reviews
Sheen Yap
September 4, 2021
First of all, I think the app is promising and cute. I love the features too. The problem is after a few successful transactions, all my subscriptions and online purchases are getting blocked and declined. Customer service sucks they don't know what it is nor they have any suggestions or troubleshooting to resolve it. The sole purpose of me using this digital bank is to have an effortless experience in making an online purchase and it failed. I will take my business elsewhere.
36 people found this review helpful
Did you find this helpful?
Tonik Digital Bank
September 5, 2021
So sorry to hear about this, luv. Please contact our CC Team via in-app chat, Viber (+63253222645), or email (customercare@tonikbank.com). Do trust that we work on these for improvement as we get them. We hope you give us another chance. XOXO
John-John Henry Santos
March 30, 2025
"Tonik Bank is amazing! The app is fast, secure, and easy to use. Opening an account was hassle-free, and the high interest rates on savings are unbeatable. Transfers and loans are quick and seamless. A truly modern and reliable digital bank. Highly recommended!"
6 people found this review helpful
Did you find this helpful?
Tonik Digital Bank
March 31, 2025
We super appreciate your feedback, luv! Please do keep an eye on the latest Tonik App builds and download them as soon as they are available here. Each release would have improvements. For any issues or suggestions do report to our CC Team via in-app chat, Viber (+63253222645) or other channels for quick resolution. XOXO
Abegail Aguilar
April 6, 2025
Great and easy-to-use program, from installation to data entry. I was worried at first because it was my first time using it, but I wanted to try it because of the positive feedback from previous users. Thank you for your prompt approval, despite the difficulty in reaching my location and the bad signal. Their customer care representatives are helpful and friendly.
2 people found this review helpful
Did you find this helpful?
Tonik Digital Bank
April 7, 2025
We super appreciate your feedback, luv! Please do keep an eye on the latest Tonik App builds and download them as soon as they are available here. Each release would have improvements. For any issues or suggestions do report to our CC Team via in-app chat, Viber (+63253222645) or other channels for quick resolution. XOXO

What’s new

Loan applications just got smoother, in a more secure app. Just for you, we've:
- Streamlined how you share employment details
- Improved your notifications for loans and transaction reminders
- Reflected the new PDIC coverage of P1M per depositor
- Enhanced various app security and backend safety features
Forget your ex(bank) - this is your best digital experience yet, luv!

App support

Phone number
+63253222645
About the developer
Tonik Digital Bank Inc.
appsupport@tonikbank.com
Meralco Avenue, Barangay Oranbo Unit 605B, 6th Floor Pasig 1605 Philippines
+63 917 513 4145

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