Tonik - Fast Loans & Deposits

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

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.

"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!"

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.

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!