Tonik Bank: Loans & Savings

Tonik Digital Bank

About this app

Tonik is a BSP-licensed digital bank in the Philippines, built to help you save more, borrow smarter, and bank entirely from your phone. Open an account in minutes with just one valid ID — no long forms, no branch visits, and no credit history to get started. Your deposits are insured by PDIC up to ₱1,000,000, so your money stays protected while it grows.

WHY CHOOSE TONIK
• Up to 5% p.a. on time deposits — among the highest rates in the Philippines.
• Up to 5% p.a. on savings, with no minimum balance and no maintaining fees.
• Fast loans with approval in minutes, no collateral, and no credit history.
• A full digital bank: debit card, bills payment, and instant transfers in one app.
• BSP-licensed and PDIC-insured up to ₱1,000,000.

GROW YOUR MONEY — HIGH-INTEREST SAVINGS & TIME DEPOSITS
Open a high-interest savings account and earn up to 1% p.a., credited regularly, with no minimum balance and no maintaining fees. Want your money to work even harder? Lock in a time deposit and earn up to 5.50% p.a. — one of the highest deposit rates in the country.
Use Stash to create goal-based savings sub-accounts: set aside money for an emergency fund, tuition, travel, or your next big purchase, and watch every goal grow. Saving (ipon) has never been easier — fund your account in minutes and start earning interest right away with a digital bank that rewards you for keeping your money in the bank.

FAST LOANS — NO COLLATERAL, NO CREDIT HISTORY
Need cash fast? Tonik offers fast loans with approval in minutes, no collateral, and no paperwork.
• Credit Builder Loan: borrow up to ₱50,000 over 6, 9, or 12 months, with monthly rates from 4.24%. Build your credit history with just one valid ID.
• Shop Installment Loan: finance the things you need for up to ₱50,000 over 3, 6, 9, or 12 months.
Apply straight from the app, get a decision in minutes, and track your loan in real time. Choose a repayment schedule that fits your budget, with clear terms and no hidden fees — fast, transparent lending from a licensed digital bank.

EVERYDAY DIGITAL BANKING
Your Tonik account comes with a Mastercard debit card for secure online and in-store payments, anywhere Mastercard is accepted. Pay your bills — electricity, water, telco, and government dues — in just a few taps, and never miss a due date. Send and receive money instantly and through InstaPay and PESONet, and cash in conveniently at 7-Eleven and other partner outlets nationwide. Manage your savings, loans, time deposits, and card all in one app, 24/7, with real-time notifications for every transaction.

SAFE & SECURE
Tonik is licensed and regulated by the Bangko Sentral ng Pilipinas (BSP), and your deposits are insured by PDIC up to ₱1,000,000. Sign in securely with biometric authentication, confirm online purchases with 3D Secure, and freeze or unfreeze your card instantly from the app whenever you need to. Your privacy and security are protected at every step.

GET STARTED IN MINUTES
Download the app, sign up with one valid ID, and start saving, borrowing, and banking right away. Tonik is one of the highest-rated banking apps in the Philippines — built for the way Filipinos save and spend.

Download Tonik today and experience a digital bank built for Filipinos — high-interest savings, fast loans, and full online banking in one secure app.
Tonik Digital Bank, Inc. is supervised by the Bangko Sentral ng Pilipinas. Deposits are insured by PDIC up to ₱1,000,000 per depositor. Terms and conditions apply.

Ratings and reviews

Whenever I try to pay my due it won't let me. It only says "We're sorry, it seems that we are unable to process your transaction. Please go to Help > Help Center to learn more or submit a ticket for your concern." But when I try to contact their number, I can't reach them, it says the number is disabled, so I try their email, but they only have an repetitive automatic reply.

It was good to use this app until I paid and used the payhinga. The staff said that the date to use the payhinga was offset because I didn't get my money back. I have emailed several times with proof of payment but they are still forcing me to pay the due payment that I have already completed the 1 year payment. They even texted someone I know just to charge me for the due that I am no longer obligated to pay.

Previous update caused OTPs to not be sent hence being unable to access the app (a lot of complaints in their FB posts). Customer service is too robotic and repetitive. Issue reported 2 weeks ago and remains unresolved. All the nice marketing and PR do not reflect in the reliability of the app and most of all the customer support. Let's do something about this LUV!

What’s new

Ho ho who's ready for these Tonik app updates:
- Buy Load and Gaming PINs are at your service — always have load to flirt with your luvs.
- Life's sweeter with Missions and Regalos — earn rewards for using Tonik
- Shop Installment Loan's got a glow up and is ready for 'em VIPs
- Get a new loan repayment plan, when you need it most!
Christmas came early, luv. Download the app NOW.