Tonik Bank: Loans & Deposits

Name: Tonik Bank: Loans & Deposits
Rating: 4.6 (25888 reviews)
Author: Tonik Digital Bank

Finance

Only for iPhone

Free

26K Ratings
Ages

4+
Years
Category

Finance
Developer

Tonik Digital Bank
Language

EN
English
Size

197.4
MB

iPhone

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.

Ratings & Reviews

4.6

out of 5

26K 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).
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
If you want to earn more with your savings, TONIK is for you
20/10/2021

chiaobeast
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 (customercare@tonikbank.com) for quick resolution. Do stay tuned to our social media accounts for latest announcements especially new app downloads. XOXO
If you want to earn more with your savings, TONIK is for you
20/10/2021

chiaobeast

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 22/10/2021
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 (customercare@tonikbank.com) for quick resolution. Do stay tuned to our social media accounts for latest announcements especially new app downloads. XOXO
Student friendly
21/01/2022

jennifer nightingale
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 (customercare@tonikbank.com) for quick resolution XOXO
Student friendly
21/01/2022

jennifer nightingale

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 24/01/2022
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 (customercare@tonikbank.com) for quick resolution XOXO

Leave 2016 and enter 2026 with a better version of you (and the Tonik app): 1. Improved Tonik-to-Tonik transfers - keep 'em transactions smooth 2. Enhanced validation for birthplace and nationality - 'cause your account needs protection too 3. Better support for Android 15 devices - we're out here trying to be better 4. Faster ID and face verification - security made quick and easy New year, new you? New Tonik app too. Download it now, luv!

Version 7.0.2

9 Feb

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What’s New

Version 7.0.2

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Data Linked to You

Data Not Linked to You

Accessibility

Information

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