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

I'm editing my feedback because I hate how bad this app has become. I have a loan and I pay in advance. But I still get inundated with payment reminders. It would've been okay to get it once, but I get it a lot. Then my dashboard shows I still have a balance for my due today, when in fact I already paid it almost two weeks ago. Honestly love this app/bank. Excited to use more of it as I'm planning to save more and just manage my money better.

Very smooth and fast transaction. They will just call you for verification and review your application. Although you do not have any transactions in their app, yet they will let you borrow as long as you are qualified and the term is up to 12 months. The app is very warm, customer service is a pro. Thank you Luv for approving my loan. Highly recommended. God bless.

You know your messages in the app is cute and all but Jesus Christ. just tell me the actual reason why I can't freakin transfer. Your support is not helping at all. You've got like 50 security questions. I spoke to you through the app! That means I am able to log in. my god. frustrating really. after my deposit matured I'll just close this account. no point in working with a useless app. really.

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!