What amount found in my Tonik App should I use to pay the teller and complete my top-up?
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
How soon can I top-up via OTC again after I made a successful cash-in?
You can generate a new payment code in the Tonik App immediately after a successful OTC top up. Yes, it’s that easy, luv!
Why can’t I directly pay my monthly loan amount due via your OTC channels?
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
Do I have to wait for my due date before my OTC top up gets posted to my loan account?
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
What should I do if my OTC top-up is not reflected in my Tonik Account yet?
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
What documentary proof can I submit to help Tonik resolve my concern?
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
Why can’t I directly pay my monthly loan amount due via your OTC channels?
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
Do I have to wait for my due date before my OTC top up gets posted to my loan account?
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
What should I do if my OTC top-up is not reflected in my Tonik Account yet?
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
What documentary proof can I submit to help Tonik resolve my concern?
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
Why don’t I see the auto-rollover toggle in some of my TDs anymore?
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.
How can I earn the full 6% interest rate for my newly-created 6-month Time Deposit?
Heads up, luv! Starting May 20, 2026, the interest rate for a 6-month Time Deposit is 5.50% p.a. No Average Daily Balance (ADB) requirement needed — just open your TD and your money starts earning right away.
When you rollover your TD, it will have a new maturity date. Your interest and principal will be credited to your Tonik Savings Account upon payout. XOXO
What is Credit Builder?
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
Who can apply for Credit Builder?
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
What are the requirements for Credit Builder?
Hi there, luv! To apply for Credit Builder, all you need is one valid ID and a Tonik Account. XOXO
How much is the amount I can avail for Credit Builder?
Hi there, luv! You may borrow up to P50,000 from our Credit Builder. XOXO
What are the fees for Credit Builder?
Hi there, luv! Here are the applicable fees for Credit Builder:
| Fees & charges | Amount | Remarks |
| Processing Fee | Php 500 upon cash disbursement | One-time deduction |
| Documentary Stamp Tax | equivalent to 75% of 1% of the loan amount applies to loans exceeding PHP 250,000 | One-time deduction |
| Late Payment Fee | Php 500 | If applicable |
XOXO
Can I apply for a Credit Builder anytime?
Yes, luv.
