Tonik - Fast Loans & Deposits

76.7K reviews
Content rating
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About this app

Tonik is the Philippines' first neobank with a digital bank license offering savings deposits with sky high interest rates and quick online cash loans and shop installment loans for all of life’s necessities.

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. Install the app today and avail any of our products below:


Your Tonik Account is your main account. It'll give you the satisfaction of also having 5 Stashes and 5 Time Deposit accounts within the Tonik App. You're going to love how you can move, organize, and personalize your cash. You will also have a virtual card and can request for a physical debit card to use in all your financial transactions.


Need an easy loan but got no credit history or collateral? Our Quick Loan has got you covered. You can get approved in just minutes and borrow PHP5000 up to PHP50,000 depending on your needs.

It's called quick for a reason, because you only need to submit 1 valid ID and 1 month's payslip. Plus, your payment dates are on your terms: choose whichever date is most convenient for you and get auto-debited on that date!

What else is awesome about getting a loan with a digital bank is that you can see all your details on the app and cash out the full amount in real time. We've also got no pre-termination or early payment fees! Yass!


• 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 proof of income
• Flexible payment date - your preferred salary payout date
• 6, 9, 12, 18, or 24 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
• Top up your main account. Get auto-debited on your due date


• Loan amounts: ₱5,000 to ₱50,000
• Loan tenure: 6 to 24 months
• Service Fee: : ₱500
• Monthly EIR: Average 7% but depending on due date
• Maximum Annual Percentage Rate (APR): 84%
• Late fee: ₱500
• Applicable Taxes (DST & GRT): None

Note: Quick Loan Annual Percentage Rate (APR) is at 84%. Linking your salary payroll card will lower said APR to 65%. Minimum loan installment term is 6 months and maximum is 24 months. The Monthly EIR is also based on diminishing principal because principal balance decreases as you pay your monthly installments on time. Example computation: If you apply for a ₱5,000 from Tonik app and opts for 180 days or 6 months installment, you would need to pay a monthly fee of only ₱ 1,048.98.


In-Store shopping has never been easier with Tonik’s Shop Installment Loan. Borrow up to ₱100,000 now and pay it back later for your next shopping spree at our partner stores. Buy Now Pay Later is more fun and helpful with Tonik In-Store shopping. Get a Shop Installment Loan today!


• Loan amounts: ₱5,000 to ₱100,000
• Loan tenure: 3 to 24 months
• Service Fee: : None
• Monthly EIR: Average 4.5% but depending on due date
• Maximum Annual Percentage Rate (APR): 54%
• Late fee: ₱500
• Applicable Taxes (DST & GRT): None


Any Filipino who is:

✔️ At least 18 years old
✔️ Has a residence in the Philippines
✔️ Has a valid email address
✔️ Has an active Philippine mobile number
✔️ Does not classify under the United States FATCA



Tonik Digital Bank, Inc. is regulated by the Bangko Sentral ng Pilipinas.
Updated on
Jan 18, 2024

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

75.9K reviews
Jomel Dequiña
January 19, 2024
One of the best loan apps ever. There have been quirks here and there but you reach out to their customer service and they are true to fixing them. Fast release of loans and gives you great offers for repeat clients as long as you maintain a good credit standing. Kudos!!
19 people found this review helpful
Did you find this helpful?
Tonik Digital Bank
January 19, 2024
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 email ( for quick resolution. XOXO
Zy Lex
January 10, 2024
Not friendly at all. It's always a problem. From the day I register for an account to the day I reach out to reopen my account it's still a problem. Well good thing I decide to entirely close the account. Best choice. If I could rate it -0 I would.
28 people found this review helpful
Did you find this helpful?
Tonik Digital Bank
January 11, 2024
Hi there, luv! So sorry to hear about this. We do hope that you reported this to our CC Team via the Tonik hotline (+63253222645), or email ( Once reported, they will be able to resolve your app issues. Please trust that we work on these for improvement. XOXO
Marbs D
October 10, 2023
There are so many issues with their apps and the system itself and needs to be improved. I do not know how legit and safe once you link your debit card with the apps and that includes to input CVV which is very confidential. The good thing with them you can contact with their customer service whenever you have issues and they will response right away.
193 people found this review helpful
Did you find this helpful?
Tonik Digital Bank
October 10, 2023
We hope that you do also report your suggestions to our CC Team via Tonik in-app chat, hotline (+63253222645), or email, so that we can improve this experience for you. Tonik will not use any of your information for anything other than what was originally stated it was for. Tonik is compliant with the Data Privacy Act of The Philippines. XOXO

What's new

• Starting the year off with additional app security enhancements
Because we treat security like a lady, it always comes first.