They say love gives you wings...

We'd really rather give you 6. An annual interest rate that will take your time and money to new heights. No beating around the bush. Just freakin' 6 percent.

Fall in love with your Tonik Account

Time Deposit

From a scale of 1 to 5, you are a 6. Never settle for anything less.

Especially for interest rates. Just like you, your hard-earned money deserves better. It's about time that you have better options.Our 6% annual interest rate for Time Deposit is our biggest ever. We know size matters!

Enjoy all the 6 with Time Deposit

Solo Stash

Put your cash in a stash! Make your money work for you 4 times harder than with your regular savings account. Our 4% annual interest rate allows you to save and save and save and save. Yeah, big savings right here. How big is big? Experience it for yourself!

Get Solo Stashin'

Group Stash

Wow, you are still reading through our website. Have you already downloaded our app? Well, we have another new thing for you to try out. This allows you to save with a group for #SquadGoals. When there's group savings to do, your squad should go Group Stashin'!

Have more fun Group Stashin'

Onboarding is literally a quickie

5 minutes is all it takes to get onboarded the Tonik App. No second round needed.

Get your hands on the Tonik App

We're a different kind of bank, where your limit is your imagination

Think of what higher interest rates can do for you. Picture it - or better yet add that photo to your Stash. Make that vision come true. Make a fund transfer today.

Live your dreams with Tonik


A neo standard for account security that will make you love us even more

With 3D Secure (3DS) from Mastercard SecureCode, you're able to prevent fraud when making online payments.

Lock your card, block online transactions, and manage your card limits - these are under your control.

Secure access to your Tonik Account by using Face ID or Touch ID. No need for passwords to verify your identity.

Our partners are global market leaders:

Don't just take our word for it…

Open communication is key to making our neobanking romance work.

Share your thoughts, luv. We'll be waiting. We’re here for you 24/7.