Tonik: Online Loans & Savings

Tonik Digital Bank

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.

Ratings and reviews

This app requires a lot of permissions and is mandatory, otherwise you can't open the app. Why do you need Phone, Location and Storage access? Other banks doesn't even require it, and if they do it's always optional. Their reply here still doesn't explain why it's mandatory to give them access, they're still the only bank that forces you to grant them these unusual access to login.

NOTE: PROBLEM IS SOLVED! SPECIAL THANKS TO THE TONIK DEVELOPER! KUDOS! I already paid my loan for February in advance and did appear it on my payment history. However, when I double check it because now is my due date 2/25/26 for the loan, my feb repayment status gone and nowhere to be found. Already call you but your agent suddenly drops it. So frustrating hopefully you will fix this and will reach out to me for explaination. Also there's no ticket provided on me.

24h verification to open an account? that's crazy. update: my name was misspelled and asked for correction. I was advised that it will take 3-5 banking days. I was advised not to put any funds at the moment for my "safety". i wasn't any given any ticket number to track this complaint. I just opened this account and so far, horrible experience.

What’s new

Leave 2016 and enter 2026 with a better version of you (and the Tonik app):
1. Improved Tonik-to-Tonik transfers - keep 'em transactions smooth
2. Enhanced validation for birthplace and nationality - 'cause your account needs protection too
3. Better support for Android 15 devices - we're out here trying to be better
4. Faster ID and face verification - security made quick and easy
New year, new you? New Tonik app too. Download it now, luv!