Tonik - Fast Loans & Deposits

61.9K 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
May 4, 2023

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.
No data shared with third parties
Learn more about how developers declare sharing
No data collected
Learn more about how developers declare collection
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

61.3K reviews
Joy Marie Jaculba
June 2, 2023
Customer service is not very helpful at all. Same with their app. I emailed their customer care tas I want to close my account since there is no use in keeping it anyway and also I've never did the top up ever. Then they told me to go to the in app chat. I installed it again and did the whole process of verifying which also sucks. Their dashboard popup is also not very friendly as it always asks you to update info. In the end, in app chat service is not responsive at all as she ghosted me.
2 people found this review helpful
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Tonik Digital Bank
June 4, 2023
Sorry to hear about this, luv! We put a premium on customer service, hence this isn't how your experience should be after engaging with one. We truly apologize for this. Please let us know your CC ticket so we can investigate. Appreciate your feedback which we will make improvements on. Stay safe! XOXO
Ebeth Marie Oñate
May 30, 2023
Editing my review. I was glad I was able to finally log back in to my original account after changing my phone number which was easy, thankfully. However, I applied for their loan 3 weeks ago and it still shows need to wait 24 hours. They don't even bother to give you any update on the delay. And when you chat with their agent, you'll just get the same old scripts which is already annoying especially for someone like me who has been checking with them for few times now
5 people found this review helpful
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Tonik Digital Bank
May 31, 2023
We apologize for the delay, luv. We have seen an increase in loan applications recently. This process usually takes less time when applying on your Tonik App. You may follow-up your loan application to help speed it up via Tonik in-app chat, hotline (+63253222645), or email ( Super thanks. XOXO
Gizelle Chan
May 11, 2023
Never fails. Fast approval of loan. This is my 2nd time requesting for a loan. Amortization schedule set out to you for your review, and they have longer payment terms. They pattern their payment schedule to your salary schedule. No unsolicited and annoying calls. There's so much to love about but the icing on all of it are 1. You can also use the platform to digitally save money which generates higher interest rates compared to offline banks, 2. They use witty texts and sweet endearing terms.
20 people found this review helpful
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Tonik Digital Bank
May 11, 2023
We super appreciate your feedback, luv! Please 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 Tonik in-app chat, hotline (+63253222645), or email ( for quick resolution. XOXO

What's new

Fix for the Chat bug
Enhancements to OTP sending
Optimizations to the app dashboard for improved performance