Tonik: Loans & Deposits 4+

Tonik Digital Bank

    • Free

iPhone Screenshots


Tonik is the Philippines' first neobank with a digital bank license offering sky high interest rates and the quickest loans you can get.

Innovative. Passionate. Customer-first. That's Tonik.

We're a 100% digital bank on a mission to revolutionalize 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—and that includes our Quick Loan!

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 PHP5,000 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!

Loans have never been this easier with Tonik. Get a Quick Loan today!

What’s New

Version 4.0.6

- Added new IDs for new customers
  - Big Loan enhancements
  - Rebranded Salary Loan to Flex Loan
  - Shop Installment Loan now enhanced with Bundles!

Ratings and Reviews

4.5 out of 5
6.1K Ratings

6.1K Ratings

Makis2good ,

High Interest however the app is kind of slow

I love that tonik bank app has easy verification, deposit and withdraw process. They also have higher interest rates and time deposit for only 6 months. However I am reading a lot of their review in Facebook page and it seems like many are dissatisfied as they are having issues with the verification specially if they don’t have complete requirements, and slow transfer of money when they top up or withdraw. I hope these issues will be addressed by Tonik Bank so we will feel more secure to continue to deposit our hard earned money

Developer Response ,

Thanks for your feedback, luv! We understand your concern and are currently finding the best solution to improve this step, but please know we take verification seriously to ensure that your bank account is secure and safe. When something isn't quite right with the verification documents, our system and security partner flags this because we really do keep a premium on account security. We are continuously improving all our services as well, on transactions, we also have partners and not all of the hold ups can be controlled by Tonik . Appreciate your patience. XOXO

kcshrm ,

Competitive savings products but VERY slow customer support

Great product but VERY slow customer service. Despite being available “24/7” the resolution is not immediate. My recent pain point with them was the pull-up for updating personal information. It’s not easy to update or change employment types. The live chat took 10 mins just for me to request the change only to be given a TICKET NUMBER. It has been more than 14 days, I’ve followed up via email and it’s still processing. If you will put a pop-up that’s disrupting me from being able to access my account you should also be prompt in updating my account once I’ve provided the necessary info as part of your KYC/BSP compliance. Please improve on that aspect of your service.

Dropping my rating by another star. Sent a follow-up and was still not given a resolution. They mentioned they’re receiving a lot of verifications. But waiting beyond 14 days is unacceptable. I have never encountered a bank that doesn't provide access to one’s account even after being given the necessary documents. I asked if I can just close my account and move my funds out. Ironic that it’s easier to close an account than be provided access so you can top-up your deposit. So frustrating!

Developer Response ,

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

chiaobeast ,

If you want to earn more with your savings, TONIK is for you

Been using Tonik since May, and I think Tonik is better than other banking apps currently in the app store. Made an account in less than 5 minutes, and I deposited in my account the next day. Its easier and more fun to save money with this bank considering the interest rates they offer. They offer free cash-in when you connect your BPI account (which is what I mainly use for topping up). Also, their in-app customer service is easily accessible either chat or call. No need to wait for long queues using your telephone just to ask a question. I’m excited for what Tonik would offer next since their current products are quite promising considering that they have only been around for about a year.

Developer Response ,

Hi there, luv! We super appreciate your feedback! Please do report all issues or suggestions for improvement to our CC Team via in-app chat, call (+63253222645), or email ( for quick resolution. Do stay tuned to our social media accounts for latest announcements especially new app downloads. XOXO

App Privacy

The developer, Tonik Digital Bank, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Contact Info
  • Identifiers

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • User Content
  • Diagnostics

Privacy practices may vary based on, for example, the features you use or your age. Learn More

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