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  • Tonik - Fast Loans & Deposits
  • Tonik - Fast Loans & Deposits
  • Tonik - Fast Loans & Deposits
  • Tonik - Fast Loans & Deposits
  • Tonik - Fast Loans & Deposits
  • Tonik - Fast Loans & Deposits
  • Tonik - Fast Loans & Deposits
  • Tonik - Fast Loans & Deposits
  • Tonik - Fast Loans & Deposits
  • Tonik - Fast Loans & Deposits
  • Tonik - Fast Loans & Deposits
  • Tonik - Fast Loans & Deposits
  • Tonik - Fast Loans & Deposits
  • Tonik - Fast Loans & Deposits
  • Tonik - Fast Loans & Deposits
  • Tonik - Fast Loans & Deposits
  • Tonik - Fast Loans & Deposits
  • Tonik - Fast Loans & Deposits
  • Tonik - Fast Loans & Deposits
  • Tonik - Fast Loans & Deposits
  • Tonik - Fast Loans & Deposits
  • Tonik - Fast Loans & Deposits
  • Tonik - Fast Loans & Deposits
  • Tonik - Fast Loans & Deposits
  • Tonik - Fast Loans & Deposits
  • Tonik - Fast Loans & Deposits
  • Tonik - Fast Loans & Deposits
  • Tonik - Fast Loans & Deposits
  • Tonik - Fast Loans & Deposits
  • Tonik - Fast Loans & Deposits
Description of Tonik - Fast Loans & Deposits

Tonik is the Philippines' first neobank with a digital bank license offering savings deposits with sky high interest rates and quick online cash loans and shop installment loans for all of life’s necessities.

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. Install the app today and avail any of our products below:

TONIK ACCOUNT

Your Tonik Account is your main account. It'll give you the satisfaction of also having 5 Stashes and 5 Time Deposit accounts within the Tonik App. You're going to love how you can move, organize, and personalize your cash. You will also have a virtual card and can request for a physical debit card to use in all your financial transactions.

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 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 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!

TONIK LOAN 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 proof of income
• Flexible payment date - your preferred salary payout date
• 6, 9, 12, 18, or 24 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
• Top up your main account. Get auto-debited on your due date

QUICK LOAN TERMS:

• Loan amounts: ₱5,000 to ₱50,000
• Loan tenure: 6 to 24 months
• Service Fee: : ₱500
• Monthly EIR: Average 7% but depending on due date
• Maximum Annual Percentage Rate (APR): 84%
• Late fee: ₱500
• Applicable Taxes (DST & GRT): None

Note: Quick Loan Annual Percentage Rate (APR) is at 84%. Linking your salary payroll card will lower said APR to 65%. Minimum loan installment term is 6 months and maximum is 24 months. The Monthly EIR is also based on diminishing principal because principal balance decreases as you pay your monthly installments on time. Example computation: If you apply for a ₱5,000 from Tonik app and opts for 180 days or 6 months installment, you would need to pay a monthly fee of only ₱ 1,048.98.

SHOP INSTALLMENT LOAN

In-Store shopping has never been easier with Tonik’s Shop Installment Loan. Borrow up to ₱100,000 now and pay it back later for your next shopping spree at our partner stores. Buy Now Pay Later is more fun and helpful with Tonik In-Store shopping. Get a Shop Installment Loan today!

SHOP INSTALLMENT LOAN TERMS:

• Loan amounts: ₱5,000 to ₱100,000
• Loan tenure: 3 to 24 months
• Service Fee: : None
• Monthly EIR: Average 4.5% but depending on due date
• Maximum Annual Percentage Rate (APR): 54%
• Late fee: ₱500
• Applicable Taxes (DST & GRT): None

WHO CAN REGISTER AS A TONIK USER:

Any Filipino who is:

✔️ At least 18 years old
✔️ Has a residence in the Philippines
✔️ Has a valid email address
✔️ Has an active Philippine mobile number
✔️ Does not classify under the United States FATCA

CONTACT TONIK

Email: customercare@tonikbank.com
Website: https://tonikbank.com
Facebook: www.facebook.com/TonikBankPH


Tonik Digital Bank, Inc. is regulated by the Central Bank of the Philippines.

Version history Tonik - Fast Loans & Deposits
New in TONIK 5.0.7
General bug fixes and interface enhancements
Update your account balance with pull-to-refresh on your app dashboard
Self-employed customers can now avail of a Shop Installment Loan
Added support for haptic feedback
New in TONIK 5.0.6
• Starting the year off with additional app security enhancements
Because we treat security like a lady, it always comes first.
New in TONIK 5.0.5
- Various Christmas Bug fixes for the good boys and girls
- Unlike your Ex, we believe a good turn deserves another with new offers for qualified loan customers
- Payhinga service enhancements for those who want to enjoy the Loan holidays
New in TONIK 5.0.4
• Added a Pay button for easier Loan repayments
• New Loan offers will now be available to Shop Installments customers
• Improvements in our Loan application experience
New in TONIK 5.0.3
1. Introducing our "Payhinga" value added service for a new loan.
2. Customers Redesigned Quick Loan for a simpler application experience.
3. Enhanced onboarding for new customer onboarding to comply with BSP regulations
New in TONIK 5.0.1
• Upgraded our Face and ID Scan for new customers
• Optimized the tonik app dashboard for faster loading
• Implemented updates to our Loan products
• When a million customers align, you know they're getting the neobanking romance they deserve.
New in TONIK 5.0.0
Reworked tonik account onboarding
Removal of IDs that are no longer supported (Voter's ID, PhilHealth and TIN ID)
Minor updates to Flex Loan
New in TONIK 4.1.0
Fix for the Chat bug
Enhancements to OTP sending
Optimizations to the app dashboard for improved performance
New in TONIK 4.0.9
Added a new offer for customers with an existing loan account with tonik and good payment history
New in TONIK 4.0.8
Big Loan enhancements, now accepting Self-Employed
Big Loan updated pricing
Optimized Big Loan application
Data Privacy Updates 
New in TONIK 4.0.7
A better Quick loan - only 1 ID needed
A special offer for our valued loan customers
Enhanced our Big Loan product for jointly owned condos
Introducing a new great Shop Instalment experience, now with QR
Voter's, TIN and PhilHealth IDs are now accepted
Standardised Instapay reference number for easier tracking
Improved Instapay transaction details to display more information
New in TONIK 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!
New in TONIK 4.0.5
Big Loan (beta) - a new loan offer for condo owners
Added push notifications messages
Added new billers
Fixed Selfie scan issue
New in TONIK 4.0.4
Minor fixes and changes
New in TONIK 4.0.3
National ID (PhilSys ID) is now fully supported for new customers
Fixed issues for Bills Pay and added new billers
Fixed Send money to other Tonik customers using mobile number
Added a new payment feature for Shop Installment Loans
Customers can now cancel a loan application
New in TONIK 4.0.2
Top up using INSTAPAY to your Tonik account
New Billers added
Added Certificate of Employment and ITR as options for Income statement uploads when applying for a Quick Loans or Shop Installment
Self-service Loan full repayment functionality
New in TONIK 4.0.0
Improved Face Identity Scan for new users
Added a view button for Loan customers to display their documents
Added a Pay button (Beta) functionality to pay Bills
New in TONIK 3.0.9
What's new for this build:
-PhilSys ID is now accepted in creating a tonik account
-Added onboarding enhancements
-Bank Certificates can now be requested through the App
-Added an OTP to secure Group Stash contributions
New in TONIK 3.0.8
What's on this release:
- Added document update and upload in the Profile section
- Added enhancements to our Time Deposit closing screens
- Platform updates to improve our Customer support interactions
New in TONIK 3.0.7
- Improved onboarding T&C and Data Privacy experience
- Added Push Notifications for Time Deposits
- Stashes improvements - display more transaction history
- Fixed descriptions for Virtual and Physical card transactions
- Fixed PESONet transaction details
- Included additional info on PESONet multiple batch sending and receiving
- App performance improvements
New in TONIK 3.0.6
-Added new app push notifications
-Onboarding enhancements
-Improved app performance
-Support for PESONet Multiple Settlements. New cut-offs are 10am and 4pm daily.
-Implemented fixes as required under the Google Developer Policy
New in TONIK 3.0.5
-Added new app push notifications
-Onboarding enhancements
-Improved app performance
-Support for PESONet Multiple Settlements. New cut-offs are 10am and 4pm daily.
New in TONIK 3.0.3
New send money experience featuring PESONet
Improved Loan user experience
Fix for Chat upload issue
New Chatbot
Bug fixes and improvements in our onboarding
New in TONIK 3.0.2
Additional notifications
Improved document scanning and document review
Added a notification for transaction reversals
You can now add a PESONet send transaction to your quick send list
Added PESONet successful transaction notifications
New Shop Installment Loans (beta)
OTP for contributing to a Group Stash
New in TONIK 3.0.0
Tonik App version 3.0.0
Quick Loans – our first of many Loans products
GCash to Instapay - moved under Instapay
BDO Online (BETA) - free top-up channel via BDO online
PESONet Outbound - our newest and FREE cash-out service
TD auto rollover feature - roll over toggle for Time Deposits
Onboarding improvements - added onboarding tutorial for document scanning
TD Certificate – request from the Tonik App
Unmasked OTPs
New in TONIK 2.0.3
Ghost-month edition:
Improved our messaging for customers with limited KYC accounts
Added push notifications for Group Stash invites
Added push notifications when a tonik user contributes to the Group Stash
Improved responses to card linking errors
A way to capture CVV/CVC when topping up using a linked card
Lastly, you can now order a Physical Tonik Debit Card (boo-yah)
New in TONIK 2.0.1
Here's what just rolled out of the shop:
Updated fees for Debit Card, GCash and 7-11 top ups. Others channels are free!
Added a happier timeout screen.
Added screens for our upcoming physical card launch (still coming soon!)
Show the app version
Fixed an issue with our Time Deposit List
Enabled push notifications for Top ups and Tonik to Tonik transfers
Speed up Stashes display
New in TONIK 2.0.0
• Added PESONet in-app account info
• Enabled centavos for your transfers
• Simpler Stash opening experience
• Selectable transaction purpose when sending
• Improved PayExpress process
• Added FAQs for TD and Stashes
New in TONIK 1.0.6
Freshly baked app goodies
Debit card linking - you can now enrol your debit card for faster top ups
Fixed purple screen lock on start up
We now accept Postal IDs for tonik account registrations
Shortened the expiry for over the counter Payexpress cash out codes
Improved the SMS invites for Group Stashes
Remapped some error codes to the right screen
We now display the GCash name and number in your transaction details
Removed Coins.ph as an option in top ups
New in TONIK 1.0.5
What's new in this build:
Added a link to show how we are computing time deposit early withdrawal pay out
Improved our Face Identity Scan (better to see you my dear)
Improved Document scanning to improve character recognition (we still can't recognise cartoon characters though).
New in TONIK 1.0.4
Now open to everyone
Enhanced chat agent interaction and communication
Included limit indicators for our cash in channels
Updated our Terms and Conditions
New notification for creating cash out codes
Added a Frequently asked question link from the app
Trimmed our code, in preparation for some summer fun.
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