Tonik: Loans & Deposits 4+
Tonik Digital Bank
-
- Free
iPhone Screenshots
Description
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
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
Tonik is a digital bank licensed and regulated by the Bangko Sentral ng Pilipinas and is a member of PDIC.
What’s New
Version 6.0.0
Introducing a special Stash for Tendo customers
Integration of ChatGPT into our Chatbot
Updates to our Time Deposit Pricing
We've made Bills pay Quick Send more convenient
Ratings and Reviews
Orwellian garbage
This thing invades your privacy worse than a Chinese app. From the second you open it it starts filming you. What the?!
Privacy statement is scary. It requires complete access to your phone. They'll tell you it's to keep you safe. Don't believe them.
Also, you must be a Filipino to use this which they don't mention until AFTER they harvest your data, access your photos and contacts etc.
Developer Response ,
Thanks for your feedback! Regarding access requests, this can be found in our Terms and Conditions that you would have to agree with before onboarding. Your location and camera are used for security purposes. Your contacts list is used for selecting fund transfer recipient/s. Your camera and photos are used for account customization. On the policy to only onboard Filipinos, this is the policy we have to comply with under the guidelines of the Bangko Sentral ng Pilipinas or the Central Bank. We do hope this clears it up. XOXO XOXO
App still crashes
The app itself is very friendly, like youre talking to a person while creating an account. But after everything, after you submit your selfie, id, information and signature, the app crashed and when I reopened, all gone. You need to start all over. 🤦🏻♀️
Developer Response ,
Hi there, luv! So sorry to hear about this. We do hope that you reported this to our CC Team via in-app chat, Viber (+63253222645), or email (customercare@tonikbank.com). Once reported, they will be able to resolve your app issues. Please trust that we work on these for improvement. XOXO
Buggy App
App constantly crashes, but the interest rates are good I guess. Not worth going through the troubles of the worst app in Philippine Financing
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, for example, based on the features you use or your age. Learn More
Information
- Seller
- TONIK FINANCIAL PTE. LTD
- Size
- 121.3 MB
- Category
- Finance
- Compatibility
-
- iPhone
- Requires iOS 13.0 or later.
- iPod touch
- Requires iOS 13.0 or later.
- Apple Vision
- Requires visionOS 1.0 or later.
- Languages
-
English
- Age Rating
- 4+
- Copyright
- Copyright© 2020 TONIK. All rights reserved
- Price
- Free