Tonik Bank: Loans & Deposits

Name: Tonik Bank: Loans & Deposits
Rating: 4.6 (26526 reviews)
Author: Tonik Digital Bank

Finance

Only for iPhone

Free

27k Ratings
Ages

4+
Years
Category

Finance
Developer

Tonik Digital Bank
Language

EN
English
Size

192.2
MB

iPhone

Meet your perfect match for instant loans and high-interest savings We're Tonik, the Philippines' first neobank proudly licensed by the Bangko Sentral ng Pilipinas. What's a neobank? Think 0% boring, 100% digital. Build your credit in just a few taps but with a whole lot of love. Why fall in love with Tonik? No long lines, no stress. Open an account, get quick loans, and grow your money all in one secure app. Just prepare one valid ID and you're ready to go! Start with Credit Builder Loan Whether you need quick cash or wanna boost your credit profile, our loan products got your back. Apply for Credit Builder Loan to build your credit history and start unlocking 'em sweet opportunities! No long forms, no hidden catches. More benefits you'll love: • Instant approval + real-time disbursement • No credit history or collateral needed • Just 1 valid ID + a Tonik Account to apply • Flexible due dates to match payday • 6, 9, or 12 month payment terms • No pre-termination fees • Easy repayment options in-app High-Interest Savings Wanna save your money short-term or long-term? We got 'em solo or group stashes and time deposits with different terms. Have it any way you want, babe. All high returns. All for you. 200% committed to you with 24/7 customer support Make your money move anytime, anywhere. Get dedicated customer (tender, love, and) care 24/7. Your dreams don't sleep, so neither do we. Download Tonik now—start building credit fast, keep falling in love hard. Cause we keep it fast, simple, and rewarding. Just the way you like it.

Ratings & Reviews

4.6

out of 5

27k Ratings

Excellent Customer Service and Transparent Loan Process
30/07/2025

Kikia_
I recently applied for a loan with Tonik, and I was truly impressed with how smooth and stress-free the entire experience was. Their customer service was outstanding—the agent who assisted me was incredibly kind, patient, and professional. They made sure to explain every step clearly and answered all my questions without any hesitation.What I appreciated most was the transparency of the loan process. All fees, interest rates, and repayment terms were clearly stated upfront—no hidden charges or confusing terms. The app interface was also user-friendly, making the whole process even more convenient.Overall, I’m really happy with Tonik’s service. If you’re looking for a trustworthy and reliable loan provider with excellent support, I highly recommend giving them a try!

Developer Response
We super appreciate your feedback, luv! Please do keep an eye on the latest Tonik App builds and download them as soon as they are available. For any issues or suggestions, report to our CC Team via In-App Chat or Viber (Tonik Digital Bank), Email (customercare@tonikbank.com), Hotline (+63253222645 via Mobile or (02)53222645 via Landline).
Excellent Customer Service and Transparent Loan Process
30/07/2025

Kikia_

I recently applied for a loan with Tonik, and I was truly impressed with how smooth and stress-free the entire experience was. Their customer service was outstanding—the agent who assisted me was incredibly kind, patient, and professional. They made sure to explain every step clearly and answered all my questions without any hesitation.What I appreciated most was the transparency of the loan process. All fees, interest rates, and repayment terms were clearly stated upfront—no hidden charges or confusing terms. The app interface was also user-friendly, making the whole process even more convenient.Overall, I’m really happy with Tonik’s service. If you’re looking for a trustworthy and reliable loan provider with excellent support, I highly recommend giving them a try!
Developer Response 31/07/2025
We super appreciate your feedback, luv! Please do keep an eye on the latest Tonik App builds and download them as soon as they are available. For any issues or suggestions, report to our CC Team via In-App Chat or Viber (Tonik Digital Bank), Email (customercare@tonikbank.com), Hotline (+63253222645 via Mobile or (02)53222645 via Landline).
System is awful
16/05/2022

rolocavi
I tried taking a loan from them just to check if their rates, policies, system and process are okay. For the payment, I enrolled my BPI savings account to get a lower interest rate and also so I won’t have to remind myself to manually make the payment every month. Now on the day of the first payment I got notification from my bank that the payment has been deducted from my account and when I checked on my Tonik account it showed that the first payment has been applied soI thought everything was fine. To my surprise though I got an email the following business day that I missed my payment and I need to top up my Tonik account to process it. I checked my BPI acct and saw that the deduction was still there I then checked my Tonik acct and sure enough it says there that I missed my first payment. I immediately reached out to their CS via chat to clear the issue. She said that if I did my payment the previous business day it would be reflected the following business day but I dont have to worry as it will not be tagged as late payment. I told her it was your system who deducted it automatically from my account why should it take another business day for it to reflect as if the payment was done manually. Also on the actual day of the payment my Tonik account showed that it got the payment but now it says it didn’t received any payment and if ever a late fee of 500 php will be applied. She just apologized to me and when I asked her if I would continue getting these type of emails for my future payments she said yes 😖

Developer Response
Hi there, luv. We're sorry for the trouble caused. Can we request your ticket number so we can look into this for you? We super appreciate your patience, hun. XOXO
System is awful
16/05/2022

rolocavi

I tried taking a loan from them just to check if their rates, policies, system and process are okay. For the payment, I enrolled my BPI savings account to get a lower interest rate and also so I won’t have to remind myself to manually make the payment every month. Now on the day of the first payment I got notification from my bank that the payment has been deducted from my account and when I checked on my Tonik account it showed that the first payment has been applied soI thought everything was fine. To my surprise though I got an email the following business day that I missed my payment and I need to top up my Tonik account to process it. I checked my BPI acct and saw that the deduction was still there I then checked my Tonik acct and sure enough it says there that I missed my first payment. I immediately reached out to their CS via chat to clear the issue. She said that if I did my payment the previous business day it would be reflected the following business day but I dont have to worry as it will not be tagged as late payment. I told her it was your system who deducted it automatically from my account why should it take another business day for it to reflect as if the payment was done manually. Also on the actual day of the payment my Tonik account showed that it got the payment but now it says it didn’t received any payment and if ever a late fee of 500 php will be applied. She just apologized to me and when I asked her if I would continue getting these type of emails for my future payments she said yes 😖
Developer Response 17/05/2022
Hi there, luv. We're sorry for the trouble caused. Can we request your ticket number so we can look into this for you? We super appreciate your patience, hun. XOXO
From 5 to 0 star (if only I can rate zero)
15/12/2022

Cecilia Calipayan
I’ve got to be honest, you guys had been helpful with the loan for my startup business last year, so I am grateful, hence, been paying you ON TIME ALL THE TIME until this month (until this is sorted) I almost lost a big client since you’ve been calling me 5-7 times a day a week and everyday from there during working hours to remind me of my loan payment due date. It is just unnecessary, unacceptable, ridiculous, unprofessional, disrespectful — and illegal! These calls are on top of the multiple emails and SMS you sent! Legit banks do not do this! I’ve heard an approach like this done by illegal lenders/creditors which most of those now have piled up formal complaints and legal cases. Having said, I am now seeking legal advice if I can do the same with you. I asked to just send me emails and SMS and only call me in an event I miss a payment which never happened before, I requested politely and repeatedly through all channels possible, but the next day you AE’s kept doing the same and when I told them about a previous conversation, they have no idea, thus I am just wasting my time everytime I raise my concern. I have no intentions of not paying but I want this rectified ASAP! Please have your Supervisor call me, send me a message first because I am hot answering any of your Account Specialists - the last one was also DO NOT know how to listen, and instead of helping resolve the issue, opted to insist what he and his other colleagues obviously do not know about. SAVE YOUR CALLS FOR DELINQUENT CLIENTS!

Developer Response
Sorry about this, luv. This may be a call to remind you about a product you availed with us. We will check on the status with the resolving team and if any further action is needed. Super thanks for your patience. XOXO
From 5 to 0 star (if only I can rate zero)
15/12/2022

Cecilia Calipayan

I’ve got to be honest, you guys had been helpful with the loan for my startup business last year, so I am grateful, hence, been paying you ON TIME ALL THE TIME until this month (until this is sorted) I almost lost a big client since you’ve been calling me 5-7 times a day a week and everyday from there during working hours to remind me of my loan payment due date. It is just unnecessary, unacceptable, ridiculous, unprofessional, disrespectful — and illegal! These calls are on top of the multiple emails and SMS you sent! Legit banks do not do this! I’ve heard an approach like this done by illegal lenders/creditors which most of those now have piled up formal complaints and legal cases. Having said, I am now seeking legal advice if I can do the same with you. I asked to just send me emails and SMS and only call me in an event I miss a payment which never happened before, I requested politely and repeatedly through all channels possible, but the next day you AE’s kept doing the same and when I told them about a previous conversation, they have no idea, thus I am just wasting my time everytime I raise my concern. I have no intentions of not paying but I want this rectified ASAP! Please have your Supervisor call me, send me a message first because I am hot answering any of your Account Specialists - the last one was also DO NOT know how to listen, and instead of helping resolve the issue, opted to insist what he and his other colleagues obviously do not know about. SAVE YOUR CALLS FOR DELINQUENT CLIENTS!
Developer Response 16/12/2022
Sorry about this, luv. This may be a call to remind you about a product you availed with us. We will check on the status with the resolving team and if any further action is needed. Super thanks for your patience. XOXO
Competitive savings products but VERY slow customer support
20/02/2022

kcshrm
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
Competitive savings products but VERY slow customer support
20/02/2022

kcshrm

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 20/02/2022
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

April getting hot? Well, we'll make it hotter with these updates: 1. Cards expiring or not being used? Let us know, we'll take care of it! 2. Keep transactions extra secure with recipient verification and better authentication - know your money's going to the right person! 3. Lock stashes - only you can spend 'em cash 5. Get other options for your Shop Installment Loan 6. Unlock premium loan offers - for select, loyal customers *wink* Download the Tonik app and maybe go for a swim (swim)

Version 7.0.4 18 hr ago

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Data Linked to You

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Accessibility

Information

Provider: TONIK FINANCIAL PTE. LTD
Size: 192.2 MB
Category: Finance
Compatibility: Requires iOS 15.1 or later.

iPhone
Requires iOS 15.1 or later.

iPod touch
Requires iOS 15.1 or later.

Apple Vision
Requires visionOS 1.0 or later.
Languages: English
Age Rating: 4+

4+

Learn More

Developer Website

Privacy Policy

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Tonik Bank: Loans & Deposits

Ratings & Reviews

Excellent Customer Service and Transparent Loan Process

System is awful

From 5 to 0 star (if only I can rate zero)

Competitive savings products but VERY slow customer support

What’s New

App Privacy

Data Used to Track You

Data Linked to You

Data Not Linked to You

Accessibility

Information

You Might Also Like

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