We calculate the cleared balance after business hours and the timing may vary from day to day. We advise you to maintain your balance from 8pm to midnight.

Yes, you will! We will send you a password-protected monthly Statement of Account to your registered email address.

Your monthly Statement of Account may not start from the first day of the month. The period covered is reflected at the title of the email containing the monthly account statement.

We will send you a password-protected monthly Statement of Account to your registered email address. It will be sent within the first week of the following month. 

Hi there, luv! A bank certificate is a bank document stating your Total Relationship Balance (that's the sum of all your Deposit accounts—Savings or Time Deposit) in a bank. Usually, a bank certificate is requested to support a visa or loan application. XOXO

Hi there, luv! You can use a bank certificate for various purposes: To back your applications for visa, loan, credit card, membership/plan, and even further studies! XOXO

Hi there, luv! Generating a bank certificate from your Tonik App is super easy! But first, make sure your Tonik App is updated to the latest version available on the Google or Apple App Store and that you've verified your email address.

1. To get started, go to the User Profile section (that's the person icon at the top left corner of your screen) and select 'Request a Bank Certificate'

2. Select the reason for your request

3. Click 'Email my Bank Certificate'

Just a reminder: you can only request for 1 bank certificate per day, luv! XOXO

Hi there, luv! For reasons not listed in the App, you can select 'Personal' or 'Legal purpose'! XOXO

Hi there, luv! The bank certificate you request from the App should be sent to your registered email address (the one you used when you created a Tonik Account), within the day of request. If you can't find it in your inbox, don't forget to check your junk/spam folder as well. XOXO

No, luv. Your bank certificate will reflect your Total Relationship Balance with Tonik 1 day prior to your requested date. If you want a bank certificate that shows you your total balance until a particular date, you can request on the day after your required period. For example, if you want a bank certificate that shows you your total balance until May 1, 2022, you can request for a bank certificate on May 2, 2022.

If you need to see the balance movement over a period of time, you can refer to your monthly Statement of Account instead! This is sent to your Tonik-registered email on the first week of the month. XOXO

Hi there, luv! Your bank certificate will reflect your Total Relationship Balance (that's the sum funds of your Tonik Account, Stash, and Time Deposit) in Tonik. XOXO

Hi there, luv! Should you require further confirmation on the authenticity of your requested bank certificate, kindly direct all inquiries to Tonik Customer Care at the hotline +632-5322-2645. XOXO

Yes, luv! The bank certificate generated from the Tonik App is free of charge! XOXO

Tonik is the first neobank in the Philippines.

As a neobank, access to our banking products and services is conveniently at the palm of your hands through the Tonik App. We operate on a fully digital platform which means unlike other brick-and-mortar banks, we are not limited within physical branches.

Deposits are insured by PDIC up to ₱1 Million per depositor.

Open a Tonik Account now ->

Download the Tonik App now!

Deposits are insured by PDIC up to ₱1 Million per depositor.

You may download the Tonik app from either the Apple App Store or the Google Play Store.

For iPhone users, the minimum supported software system is iOS 13.4
For Android users, the minimum supported OS is Android OS 9.0.0

Your mobile phone needs to have a front-facing camera. It is also recommended that your phone has at least 3GB of RAM.