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Sometimes you’re there at the right time. You get accepted into your dream university. Your barkada comes up with a brilliant business idea. You find the house you’ll raise your future kids in.

 

But what if you’re not in the right place financially? When you’re thousands of pesos short, do you resign yourself to sighing about The Opportunity That Got Away (aka TOTGA)?

 

Well, not anymore. There’s no room for TOTGA with Tonik Quick Loan, easy online loans that give the cash you need in as fast as 30…

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 Pilipinas (BSP).…

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 money that…

Tonik users can surely have a December to remember with the launch of the neobank’s online referral program. Dubbed “Friends with Benefits”, this program not only aims to reach potential clients but will definitely benefit current users as well.

So what’s the benefit?

A benefit of P60 may be earned by the Tonik user or “referrer” for every successful referral of the app to a friend. Just as they earn, their friend or the “referee“, also gets P60 if they open their own Tonik Account and cash in any amount. There is no limit on the referrer’s part; the more friends they…

Fintech

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 money that…

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…

“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 (meaning we’re purely digital!). While everyone has been raving about …

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 already underway,…

Savings

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 Pilipinas (BSP).…

Tonik users can surely have a December to remember with the launch of the neobank’s online referral program. Dubbed “Friends with Benefits”, this program not only aims to reach potential clients but will definitely benefit current users as well.

So what’s the benefit?

A benefit of P60 may be earned by the Tonik user or “referrer” for every successful referral of the app to a friend. Just as they earn, their friend or the “referee“, also gets P60 if they open their own Tonik Account and cash in any amount. There is no limit on the referrer’s part; the more friends they…

We all have big dreams for our loved ones: a fabulous surprise for your parents’ anniversary, a dependable emergency fund for the whole family, or an exciting new sideline with your besties. But to make these dreams a reality, a lot of people need to pool money together. And well, cash collection is usually tedious. At worst, it’s awkward.

 

That was a problem before

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: 

Loan

Sometimes you’re there at the right time. You get accepted into your dream university. Your barkada comes up with a brilliant business idea. You find the house you’ll raise your future kids in.   But what if you’re not in the right place financially? When you’re thousands of pesos short, do you resign yourself to sighing about The Opportunity That Got Away (aka TOTGA)?   Well, not anymore. There’s no room for TOTGA with Tonik Quick Loan, easy online loans that give the cash you need in as fast as 30 minutes. No TOTGA with Tonik…
Neo Normal Online Loan Application in the Philippines  Say good bye to prehistoric and ridiculous loan applications and say hello to the Neo Normal way of applying for online loans in the Philippines today. We promise you’ll want to hug us at the end of this article!      Adulting: The Reality of Taking Out a Loan   Applying for a loan can be daunting. A quick check on Google Search will present you with pages and pages of available loans in the Philippines, but to even go through each of those will prove to be difficult. Click on the requirements of your preferred traditional bank and…
Bust out your thinking cap, let’s get to cracking these personal loan myths the neoway. Let’s start off with a bonus myth: Personal Loans are bad. False. Personal Loans aren’t bad, you just need to be a good borrower.   Personal loans are misunderstood. Cool and hip, the Personal Loan is the flexible and convenient loan option for seasoned and first-time borrowers alike. Unlike its big siblings, Home Loan and Car Loan, you have the freedom to do whatever you want with your Personal Loan. Call it what you want—a helping hand, a nudge in the right direction, or that best friend supporting…

Lifestyle

Hi there!

If you’re reading this article, then you must be one of these types of people:

  1. You already own a debit card but want to enrich your knowledge on the different debit card benefits.

  2. You’re in the process of getting your debit card and can’t wait to finally enjoy your new debit card benefits!

  3. You don’t own a debit card but you’re up for some “debit card benefits” reading because… why not?

 

A, B or C, by the end of this article you will definitely be more…

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 we…

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…

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…