Hey, luv! Please use the “Total amount to pay at cashier” when topping up via OTC channels. This already includes the top up amount and the transaction fee of PHP 30. XOXO

You can generate a new payment code in the Tonik App immediately after a successful OTC top up. Yes, it’s that easy, luv! 

Hey, luv! We’re currently working on a better loan payment experience for you. In the meantime, you can top up your Tonik Account via OTC and click “Pay Now” in the app. Your payment will automatically get posted to your loan account on your due date.

Super thanks for your patience. XOXO

Hey, luv! If you click on “Pay Now” and pay thru your Tonik Account before your due date, you will get a notification that Tonik has received your payment. It will automatically get posted to your loan account on your due date. On the other hand, if you clicked “Pay Now” on your due date, your payment will be immediately credited to you loan account. Hope this helps. XOXO​

Please contact us through the chat feature in the Tonik App or contact our Customer Care hotline at  +63 2 5322 2645 if the top up amount has not been credited to your Tonik Account after two hours. We will confirm the status of your transaction with our payments provider, Xendit.

Hope this helps. XOXO​
 

Hey, luv! You can submit the transaction receipt provided by the OTC branch 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. XOXO​

Hey, luv! We’re currently working on a better loan payment experience for you. In the meantime, you can top up your Tonik Account via OTC and click “Pay Now” in the app. Your payment will automatically get posted to your loan account on your due date.

Super thanks for your patience. XOXO

Hey, luv! If you click on “Pay Now” and pay thru your Tonik Account before your due date, you will get a notification that Tonik has received your payment. It will automatically get posted to your loan account on your due date. On the other hand, if you clicked “Pay Now” on your due date, your payment will be immediately credited to you loan account. Hope this helps. XOXO​
 

Please contact us through the chat feature in the Tonik App or contact our Customer Care hotline at  +63 2 5322 2645 if the top up amount has not been credited to your Tonik Account after two hours. We will confirm the status of your transaction with our payments provider, Xendit.

Hope this helps. XOXO​
 

Hey, luv! You can submit the transaction receipt provided by the OTC branch 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. XOXO​

Good question, luv. We disabled the auto-rollover feature in all Time Deposits created before April 2024, so we can apply some changes to the deposit product.  

This allows us to create and launch awesome products that are tailored to your day-to-day needs! Don’t worry, you can still toggle the rollover button when you create a new Time Deposit. 

Heads up, luv! Starting February 14, 2026, you won’t need an Average Daily Balance (ADB) to earn the full 6% p.a. on your 6-month Time Deposit.

Loving reminder that when you rollover your deposit, it will also have a new maturity date. You can expect it to be credited to your Tonik Savings Account upon payout.

If you’ve got an active 6-month Time Deposit that you opened before February 14, 2026, make sure to enable rollover (meaning you'll keep your money in the Time Deposit for another 6 months) so you can enjoy that new 6% p.a. rate! Don't forget to read the Terms & Conditions to learn more and avoid early withdrawal fees. XOXO

Hi there, luv!

Credit Builder is Tonik's special loan tailored for those with limited credit history or lower credit scores. It helps you start small and work your way up by borrowing up to PHP 50,000 from your Tonik App within two days. Plus, it's a great way to build your credit with Tonik Bank for a brighter financial future!

XOXO

Hi there, luv! 

To qualify for Credit Builder you must be: 

• A Filipino Citizen residing in the Philippines
• Aged 23 – 58 years old
• Presently Employed / Self-Employed
• Have a valid ID

XOXO

Hi there, luv! To apply for Credit Builder, all you need is one valid ID and a Tonik Account. XOXO

Hi there, luv! You may borrow up to P50,000 from our Credit Builder. XOXO

Hi there, luv! Here are the applicable fees for Credit Builder: 

XOXO

Yes, luv.