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Learn all about how credit scoring works in the Philippines and how Tonik is pushing boundaries with its new products!
Picture this: you’re super excited about a shiny new gadget you want to buy! A new laptop, perhaps, to help you work better? While you don’t have enough funds for it, you think, hey, I can always take out a small loan so I can pay for it! So, you apply to a financial institution that can lend you some money for a loan, like a bank maybe! You’ve got everything covered—you seem to have all the criteria down, including a stable job and regular salary.
…Loans sound like a great quick fix to fund dreams and solve financial problems. Still, a loan is a commitment. You may not be making a vow in front of a priest or a judge, but you’re promising the lender that you’ll pay back what you owe in a few months or years, no matter what.
Like every commitment, you have to know what you’re signing up for. Especially since now, you have a fair chance at getting approval with Tonik Quick Loan, our game-changing loan in Philippine digital banking.
Typically,…
Have you ever smiled and nodded through a date, without understanding what they’ve been talking about? Well, feel free to ask questions, luv. You’re getting to know your potential partner, after all.
It’s the same for personal finance. Before entering a relationship with a bank, you have to know what you’re getting into. So when they’re showing off bank interest rates, don’t just smile and nod.
Let’s scrape the sugar off all that sweet talk and see what they really have to offer.
…
Your hottest burning questions about virtual debit cards are finally answered in this handy guide!
If you haven’t been keeping up with the times yet, here’s some news for you: contactless and digital payments are a huge thing these days. Though it’s definitely been around for quite a few years now, the global COVID-19 pandemic only heightened society’s need for digital or contactless transactions, whether that’s something as simple as buying your favorite clothes online or paying for your groceries with a simple scan of a QR code. Online shopping and e-commerce also made a huge…
Fintech


“Is digital banking safe in the Philippines?” This neobank has the answer.
If you’re asking if we have protection, the short answer is: yes we do. We believe that digital banking in the Philippines can be safe while still giving everyone a good time. We should know ‘cause we’re making it happen.
Tonik is the Philippines’ first ever neobank (…


Like anyone else, we hate trust issues. You can sleep soundly knowing you and your money are safe in the Tonik App, luvs. Here’s why.
Cyber security is one of the biggest things to consider when choosing the mobile banks to place your money in. After all, nobody would ever want their hard-earned cash lost due to weak security measures and outdated systems. Nowadays, multiple cases of cyber security issues have been hitting local news more and more frequently, such as data breaches, phishing scams, system hacking, and the like. We get how scary this must be for customers…


Times have changed. Find out how you can get the best bank customer service in the Philippines – the Neo way!
A bank is a sacred place. It’s where one of people’s most valued possessions is stored. Money.
Money has roamed the earth far longer than any human has lived. Be it in the form of silver, gold, or paper bills, you can’t deny the power and influence that money has brought into our world. And because of money’s vast influence in our lives, the need to protect it is a must. Which is why people created banks.
Banks safekeep the…


It’s no secret that the Philippines is on a mission towards financial inclusion for 70 percent of its citizens. This ambitious goal has in fact, been buzzing quite a lot these past two years and as the fintech industry continues to get a significant foothold in the economy, the race to the finish line may just be 2 years up ahead.
While there is a complete roadmap for financial inclusion in the Philippines, one that is…
Savings
Have you ever smiled and nodded through a date, without understanding what they’ve been talking about? Well, feel free to ask questions, luv. You’re getting to know your potential partner, after all.
It’s the same for personal finance. Before entering a relationship with a bank, you have to know what you’re getting into. So when they’re showing off bank interest rates, don’t just smile and nod.
Let’s scrape the sugar off all that sweet talk and see what they really have to offer.
…
Recession again? Just when we all thought we were coming out on the brighter end of the tunnel, it seems like we’re off to singing another Annie Lenox song..wait for it -here comes the rain again! But don’t you fret because recessions don’t have to hit so hard if you can prepare and manage your lifestyle and expenses for it, luv!
Since 2020, the Philippines has been in a drawn-out recession, aggravated by the economic impact of the pandemic and other global events. Prices for goods and commodities have been rising, prompting some politicians to advise Filipinos to…
Having a Stash is the #NeoWay of saving for your dreams, opportunities, and emergencies. You may want to think of a Stash saving as a digital savings pocket where you can set aside funds for different purposes or life goals.
Hi there!
You must be reading this blog post because: …
Many of us were raised to think that hard work equals money. So when we need more money, we take on more work. But can you keep working forever? Do you even want to? Wouldn’t it be nice to retire one day with a cushy stack of savings for you to enjoy?
That’s our dream for you.
We’re Tonik, the first ever neobank (we’re all about digital banking) in the Philippines. We hold the first private digital bank license from the Bangko Sentral ng…
Loan
Lifestyle
Your hottest burning questions about virtual debit cards are finally answered in this handy guide!
If you haven’t been keeping up with the times yet, here’s some news for you: contactless and digital payments are a huge thing these days. Though it’s definitely been around for quite a few years now, the global COVID-19 pandemic only heightened society’s need for digital or contactless transactions, whether that’s something as simple as buying your favorite clothes online or paying for your groceries with a simple scan of a QR code. Online shopping and e-commerce also made a huge…
There’s a new way of doing digital banking in the Philippines, and it’s fittingly called the neobank. It’s gotten us rethinking our relationship with banks for three big reasons. Intrigued? Well, read on and get to know your potential partner.
The most convenient way to be in control of your finances? Download a money management app today!
Everyone probably has their own way of managing their money. Some people prefer building their own Google sheet or Excel file and writing down their information there. Those who are not so tech-savvy prefer going old-school and simply just collecting receipts and tracking everything via a handy dandy notebook. Or, you might not even have a money managing method at all, just because you’re too lost on how to do everything on your own! And that’s totally okay, because that’s where…
Banking doesn’t have to be so scary when you’ve got Tonik by your side
Let’s get real right here—banking can be a terrifying ordeal. We don’t even have to use any euphemisms. Even pop culture tends to portray banks in a cold light, and yes, we mean those daunting, often gray buildings with unfriendly staff and grouchy customers all around that we tend to see on our favorite movies or TV shows. Hell, even the Gringotts Bank shown on the Harry Potter films had actual goblin-bankers stashing away piles of gold with long, creepy nails and unfriendly grimaces on their faces…