Sorry, luv! This option is unavailable. We’ll keep you posted. Thanks for your patience! XOXO

Sorry, luv! This option is unavailable. We’ll keep you posted. Thanks for your patience! XOXO

Sorry, luv! This option is unavailable. We’ll keep you posted. Thanks for your patience! XOXO

Sorry, luv! This option is unavailable. We’ll keep you posted. Thanks for your patience! XOXO

Hey, luv! You might have registered a different mobile number or email address with Tonik. Don't worry, just make sure the mobile number or email address registered in your other Online Banking app matches with the one registered in your Tonik App. Hope this helps! XOXO

Hi there, luv! You may need to adjust the limit for your online/e-commerce transactions in the mobile app of the cash-in channel you're cashing in with. For example, BPI has a default daily e-commerce limit of Php 10,000 in their mobile app. UnionBank mobile app users, on the other hand, may need to enable “Browser Banking” under Login and Security to proceed with their top up.

Contact your (ex)bank to find out how to do this. Hope this helps, luv! XOXO  

Yes, luv! We are partnered with Xendit Philippines, Inc., one of the country’s most trusted payments providers. They help us process selected cash-in transactions, while we ensure that your savings grow with us. They are also regulated by the Bangko Sentral ng Pilipinas as a registered Operator of Payment System (OPS) and is PCI-DSS compliant. XOXO

Hey, luv! All cash-in transactions via online channels such as GCash, BPI Online, UBP Online, Chinabank Online, and RCBC Online are processed by Xendit.

Stay tuned for the activation of more channels! XOXO

Hey, luv! You see, our online cash-in channels can take one to two hours to confirm selected transactions. Now, if your cash-in amount has not been credit to your Tonik Account after two hours, please contact us through the chat feature in the Tonik App, or contact our Customer Care hotline at +63 2 5322 2645. We will confirm the status of your cash out with our payments provider, Xendit.

Super thanks for understanding! XOXO

Hey, luv! You may submit the following documents to help us resolve your concern:

1. Transaction history showing the successful debit from your source (ex)bank account.
2. Email or SMS confirmation from your source (ex)bank confirming the successful debit from your account.

Please contact us through the chat feature in the Tonik App, or contact our customer care hotline at +63 2 5322 2645.. We will confirm the status of your cash in transaction with our payments provider, Xendit.

Hope this helps! XOXO

Hey, luv! Since our payments provider, Xendit, still has to coordinate with their partner banks and channels, It may take 5 to 7 days from when you provided sufficient documentary proof for your refund to be processed. Super thanks for understanding! XOXO

Good question, luv! There are five ways you can top-up your Tonik Account via Over the Counter (OTC) channels. Just follow the instructions below:

Top-up via CLIQQ app or CLIQQ kiosk (7-Eleven branch)

• Open the Tonik App. Tap “Top-up” and choose the “Over the Counter” option.
• Tap “7-Eleven” and input your top-up amount.
• Go to a 7-Eleven branch near you before the payment code expires.
• Open the Cliqq App and tap Pay Bills or go to the Cliqq kiosk at the store and select Bills Payment.
• Look for Search Biller and type Tonik Digital Bank. Fill out the form with your Payment Code, mobile number, and top-up amount.
• Present your transaction slip to the cashier and pay in cash. Be sure to keep the receipt, luv!

Top-up via M Lhuillier

• Open the Tonik App. Tap “Top-up” and choose the “Over the Counter” option.
• Tap “M Lhuillier” and input your top-up amount.
• Go to an M Lhuillier branch near you before the payment code expires.
• Tell the cashier/staff you’re making a Bills Payment, not a remittance.
• Fill out the Bills Payment slip with your name, DragonPay as biller, your payment code, mobile number, and top-up amount.
• Present your Bills Payment slip to the cashier and pay in cash. Be sure to keep the receipt, luv!

Top-up via Cebuana Lhuillier

• Open the Tonik App. Tap “Top-up” and choose the “Over the Counter” option.
• Tap “Cebuana Lhuillier” and input your top-up amount.
• Go to a Cebuana Lhuillier branch near you before the payment code expires.
• Tell the cashier/staff you’re making a Bills Payment to XENDIT
• Fill out the Transaction form with your name as sender, Xendit as receiver, your Payment Code, your mobile number, and top-up amount.
• Present your Bills Payment slip to the cashier and pay in cash. Be sure to keep the receipt, luv!

Top-up via Palawan Express

• Open the Tonik App. Tap “Top-up” and choose the “Over the Counter” option.
• Tap “Palawan Express” and input your top-up amount.
• Go to a Palawan Express branch near you before the payment code expires.
• Tell the cashier/staff you’re making a Payment to DRAGONPAY
• Fill out the Transaction form with your name as sender, DragonPay as receiver, your Payment Code, your mobile number, and top-up amount.
• Present your Bills Payment slip to the cashier and pay in cash. Be sure to keep the receipt, luv!

Top-up via LBC

• Open the Tonik App. Tap “Top-up” and choose the “Over the Counter” option.
• Tap “LBC” and input your top-up amount.
• Go to an LBC branch near you before the payment code expires.
• Tell the cashier/staff you’re making a PayCollect payment to Xendit.
• Fill out the Transaction Form slip with your name, your mobile number, your Payment Code, date of transaction, and top-up amount.
• Present your Transaction Form slip to the cashier and pay in cash. Be sure to keep the receipt, luv!

Hope this helps! XOXO

Good question, luv! 

Xendit processes OTC top-up transactions for Tonik. They also made a strategic investment to DragonPay last 2021 to address the payment needs of Filipino businesses.

Hope this helps! XOXO

Just prepare a proof of identification, a pen, and a screenshot of your payment code generated from the Tonik App before going to the nearest OTC branch, luv. Please be extra patient while you wait in line, okay? XOXO

Oh no, luv! Our payments partner doesn’t allow for immediate payment code cancellation. It’s best to generate a payment code as soon as you arrive at your chosen OTC branch, since it takes just seconds to generate one from the Tonik App. ​

A new OTC payment code may be generated in the Tonik App after two hours of non-usage or immediately after a successful OTC top-up.

Super thanks for understanding. XOXO

Yes, luv, they are the same. Some tellers might refer to the generated payment code from the Tonik App as a reference number. XOXO

You can mention “Tonik Digital Bank” and “Xendit” when topping up at LBC and Cebuana Lhuillier branches, while you can mention “DragonPay” at Palawan Express and M Lhuillier branches.

Hope this helps, luv. XOXO

The code is alphanumeric and uses the prefix TNKDGT. BTW, luv. Letters are all in uppercase, so don’t mistake the “I” for an “L”! XOXO

Hey, luv! You can generate a payment code for up to PHP 5,000. We don’t have a daily cumulative limit for OTC top ups, but our partner channels might have daily transaction limits depending on their KYC requirements. Super thanks for understanding. XOXO