You can press the eye icon beside your virtual card.

You can use it for online purchases, wherever Mastercard is accepted.

You can request for a separate physical debit card after providing a valid government-issued ID and paying P300, which will be debited from your Tonik account.

You will need to confirm your delivery address. If this is within our covered delivery areas, we can deliver the card within 7 – 10 days.

You can request a physical debit card for only P300 pesos (P200 for the card order and P100 for the delivery). Order one through the app and it will be delivered to you within 7 - 10 banking days. We will debit P300 from your account when you place your card order in the app.

Check here to see a list of the covered delivery areas.

We are constantly working on widening our reach so please keep checking back for updates.

Check your covered area

You can use your physical debit card as soon as you are able to activate it and choose a secure 6-digit ATM PIN in the app.

From the app’s main dashboard, click on the Activate button and follow the on-screen instructions to get started.

You will be asked to enter the card details to verify before choosing and confirming your ATM PIN.

The physical Debit Mastercard is only accepted in machines bearing the Mastercard/Maestro/Cirrus logo.

Some ATMs such as UnionBank, Maybank, and EastWest bank do not accept our cards. However, there are over 16,000 ATMs that accept Mastercard nationwide.

Our physical debit Mastercard can be used to pay for purchases in-store or online.

This card is not intended for use with ATMs, since local ATMs connected to Mastercard may charge a P250 Access Fee for every withdrawal. This means that when you withdraw P1,000 your account should be debited P1,250.

For additional security, you can also control where you want to use your physical debit card using the app.

Simply tap on your physical debit card in the dashboard and go to ‘Security’. You can manage which transactions you want to disable/block by toggling them on to purple. Blocking will prevent your card from being used for all transactions of this type.

To enable/unblock the transactions, simply toggle it back to grey.

Transactions you can manage:

• ATM withdrawals
• Physical payments
• Online payments
• Overseas transactions (ATMs and Physical/POS)

Our couriers will attempt to deliver the cards to you 3 times. Please confirm that your mailing address in our records is correct. You can do this in the app by going to your Profile and selecting Contact Information. You will see your mailing address displayed there. 
If the address is correct, but you have not yet received the card, please advise our Customer Care team immediately.

You may order the physical debit card in the app.

No, we only deliver within the Philippines. You may check here.

If you are not available to receive the card, the following persons can receive it for you:

1. Family members 

• The following family members of legal age can receive on your behalf: 

  • Spouse
  • Child
  • Mother
  • Father
  • Siblings
  • Relatives

   

2. Officemates 

• Authorized representatives of legal age who work at the customer’s office address can receive on your behalf: 

  • Officemate or any regular employee from the same department
  • Office receptionist
  • Office security guards

   

3. Other authorized representatives 

• Authorized representatives of legal age living with the customer or working at the customer’s place of residence can receive on your behalf: 
  • Common-law partner
  • Boyfriend or girlfriend
  • Roommate
  • Household help
  • Condominium or village security guards and receptionist

All representatives who will receive the card on behalf of the customer should present a valid ID to the courier. The valid IDs accepted are: 

Any one (1) of the following PRIMARY IDs: 

• PhilID (National ID/PhilSys ID)
• ePhilID
• Driver’s License
• Professional Regulation Commission (PRC) ID
• Passport
• Unified Multi-Purpose ID (UMID)
• Social Security System (SSS) ID
• Firearms License
• Alien Certificate of Registration (ACR)
• Integrated Bar of the Philippines (IBP) ID
• Postal ID (card-type)
• GSIS eCARD

If your authorized representative or recipient does not have any primary ID, they can show any 2 of the following secondary IDs: 

• Pag-IBIG Loyalty Card
• Voter’s ID
• PhilHealth ID
• TIN
• Senior Citizen’s ID
• School ID
• Company ID
• NBI Clearance

Some ATMs have lower limits than your Tonik debit card. These are set by the banks which own the ATMs and are outside Tonik’s control. You can use an ATM of a different bank until you have reached your daily limit.

Card Request Fee: ₱200 for the card + ₱100 for the delivery

ATM withdrawals via Mastercard ATMs: Depending on the bank, there may be an Access Fee ranging from ₱10 - ₱250 to transact via their Mastercard ATMs.

ATM Balance Inquiry: ₱P0 - ₱2.50 depending on the bank which owns the ATM

International Transaction Service Fee: 2%

You can see the most updated fees for debit cards in the app by tapping on the card and going to Card Fees.

Tonik does not charge a withdrawal fee. However, the banks that own the ATMs may charge fees of up to ₱250 for using their ATMs. Usually, though, it's just the regular ₱18 withdrawal fee. Best to still double-check before transacting, hun.