How much is the charge for PESONET transfer?
You can see the latest transfer fees in the link below. XOXO
Which transfers will have fees?
Starting October 1, 2025, PESONet and Instapay transfers from Tonik to other banks will have a minimal fee of P8 per transaction. This fee only applies to send transactions. No fee in receiving funds, luv!
What are the transactions that remain free?
You can continue sending to other Tonik accounts for free. Payments to merchants and billers via QRPH also remain free of charge.
When will the fees be implemented?
Transfer fees will start on October 1, 2025. You can enjoy free transfers until September 30, 2025!
Why are you charging fees?
We charge a small fee to help keep the service running smoothly and securely. It covers the cost of maintaining reliable transfers for you. We’ve made sure the fee stays as low and fair as possible.
Will I pay if I send money to my Tonik account?
Tonik DOES NOT charge for receiving money from other banks. You may check with your (ex)bank for transfer fees they impose.
How is the fee charged? Is it debited from the transaction amount or on top of?
The transfer fees would be added on top of your transaction amount. You can send up to P50,000 to other banks via Instapay, and you would be debited P50,008 to include the fee.
How can I review my transactions and transfer fees?
To review your send transactions and fees you've paid for each, you may review your Transaction history by logging in to your Tonik app and tapping the History button on the dashboard.
I paid for my coffee but was charged a fee, I thought payment to merchants are free?
Payments done via Instapay's P2M (Pay to Merchant) and P2B (Pay to Biller) are still free. That means you can shop, dine, and pay your bills free of charge with QRPH participating merchants and billers. Some stores use personal QRs for their transactions -- like when you pay for your coffee and the recipient's name on the QR is a person's name and not the store's name. These count as person-to-person transfers which have a P8 fee.
Would you have transfer fee promos?
Stay tuned and follow our Facebook and Instagram pages for more news on Tonik promos!
For service interruptions, will the transaction fee be reversed to my account?
Should there be issues with your Instapay and Pesonet transactions, both the transaction amount and the transfer fee would be credited back to your Tonik account. You can review the refund details on the Tonik app's Transaction History dashboard.
Can I add a non-Tonik member to join my Group Stash?
Yes, you can! The members you invite to your Group Stash will receive an SMS with instructions to download Tonik App. Just remind them to submit a valid ID and fully verify their account so they can access and contribute to your Group Stash, ‘kay?
How do I accept my Flex Up loan offer?
Please click the link to see step-by-step instructions for Flex Up exclusive loan offer.
How do I accept my Reloan loan offer?
Please click the link to see step-by-step instructions for Reloan exclusive loan offer.
How do I accept my SIL Repeat loan offer?
Please click the link to see step-by-step instructions for SIL Repeat exclusive loan offer.
Who or what is ECPay?
ECPay (Electronic Commerce Payments, Inc.) is a leading electronic payment service provider based in the Philippines. It offers a platform that enables merchants, retailers, and service providers to accept a wide range of payment methods, including over-the-counter payments, online payments, and mobile wallets. ECPay connects billers, merchants, and customers through a comprehensive network of payment channels. It is commonly used for utilities, e-loading, insurance, and e-commerce transactions.
Which ECPay partners can I use to pay my Tonik loan?
You can pay your Tonik loan via ECPAY partners such as GCash. For the full list of ECPAY partners, you may refer to their website at https://www.ecpay.com.ph/search-partner
How can I pay my Tonik loan through ECPay?
Simply go to ECPay partner apps or stores, input your Tonik registered mobile number, full name used during account opening, and your monthly loan payment amount to proceed.
I'm paying via over the counter partners (M Lhuiller, Palawan, Cebuana, etc), what do I need to show to the cashier to process my payment?
You may provide your Tonik registered mobile number, full name used during account opening, and your monthly loan payment amount to proceed. You can find an ECPay partner near you by visiting their website https://www.ecpay.com.ph/search-partner
