Tonik: Loans & Deposits 4+

Tonik Digital Bank

    • Free

iPhone Screenshots


Tonik is the Philippines' first neobank given a digital bank license by the Bangko Sentral ng Pilipinas. Tonik offers sky high savings 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 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—and that includes our Quick Loan!
Need an easy bank loan but got no credit history or collateral? Tonik Quick Loan is for you. 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. 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. No pre-termination or early payment fees!
• Fast approval and real-time disbursement to your Tonik Account
• No credit history and no collateral needed
• Minimal documents required - only 1 valid ID 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 5.0.6

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

Ratings and Reviews

4.5 out of 5
12.8K Ratings

12.8K Ratings

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

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

jennifer nightingale ,

Student friendly

I just had to make a review for this app because Tonik’s virtual visa card is the BEST compared to other popular mobile wallet apps like gcash and paymaya. Tonik’s virtual card is like a saving grace when i need a credit/debit card for paying college fees or for mobile data load. Moreover, their user interface is very attractive, easy to use, and very laidback. I would definitely use this as a student because it is very convenient for my needs! Again, it is handy to use for virtual transactions. However, i would probably not use this if i were to store larger amounts of money. Because their liability policies in their T&C’s are not ideal if you get yourself into a situation. Best if you put your savings into banks with secure conditions in case you lose money.

Developer Response ,

Thanks for the review, luv! How else can we improve? Please watch out for our 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

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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