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

First time, app allowed to loan 5K payable in 5 months, no linked debit card. I paid this off in advance (2 weeks only) and I applied for a reloan, now linking my bank account for easier payment, and I was automatically declined, and instead was offered to try out their Stash feature. So you trusted me before when I don't have any credit history with you and you dont have my bank account but now when I even paid my loan in advance and you have my bank account, you don't? This is clickbait.

Very, very easy to use and you're cute! I like how personal, witty, and fun your approach is. I hate the regular bank atmosphere, too rigid - security guards who want you to strip down for security purposes instead of Hi-Tech scanners; can't use cellphones inside and but have to wait for hours to get entertained, ughhhh.

It's cool. But there should be some visualizations or dashboard on daily interest earned calculated. It's nice to see something each day that grows. Also the prompt for mis-logins, it should not just say to delete the app. You are taking our breath away when the only solution is just to try the biometrics again.

What’s new

Sooo refreshing, my little Tonik app! But nothing little about these:

- Faster and safer ID submission for PhilSys IDs and 'em other IDs.
- Cleaned up transaction history, so it makes more sense!
- Enjoy exclusive loan upgrade offers for a looonger time.
- Update your details or reopen your account, self-serve baby!
- Stay updated on account and transactions statuses.

Ooh-aah! We glowed up for real - ready for us?