Tonik is the Philippines' first neobank with a digital bank license offering the country’s highest savings interest rate—6% p.a.!

Innovative. Passionate. Customerfirst.

We are a transformative neobank (meaning 100% digital bank) and we're on a mission to revolutionize the way money works in Southeast Asia. Expect only fast, easy, and secure transactions with a team of experienced bankers taking care of your hardearned savings. What every Filipino needs is a digital bank that’s approachable 24/7 and offers services that actually help us save. That’s Tonik.

With a strong desire to challenge the status quo in the world of finance, we’ve made it possible to give you a Time Deposit interest rate of 6% per annum – the highest in the Philippines. Our high interest rates and deposits are backed by the Bangko Sentral ng Pilipinas (BSP) and Philippine Deposit Insurance Corporation (PDIC). That's a promise you can bank on! We firmly believe you deserve a bank that loves you back like we do.

Our Services:
Stash savings (solo and group), time deposits, virtual debit cards, physical Mastercard debit cards, loans and other transactions. It is an allinone app that will help you save money, create an online budget system, and access quick cash for your needs.

Time Deposit
Earn as high as 6% interest p.a. when you open a time deposit account.

Stash Savings
Solo Stash: Open as many as five stashes for the things you’re saving up for and earn 4% interest p.a.
Group Stash: Like an online paluwagan, you can open a fund along with other people, pool your funds together, and earn 4.5% interest p.a.

Quick Loan
Apply for fast and easy loans within 15 mins and get up to P50,000 into your Tonik Account immediately.

Shop Installment Loan (BETA)
Upgrade your shopping experience with installments. Get a boost of up to P100,000 to your buying power with a simple application process and fast approval in 15 mins.