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Tonik Account
What type of account will I get after registration?
How can I upgrade my Tonik Account?
What can I use my Tonik Account for?
Where can I find my account number?
What are the fees to maintain a Tonik account?
Is my money in Tonik guaranteed by PDIC?
How far back can I view my Tonik Savings Account transaction history in the App?
How can I copy my account number?
What does it mean by total aggregate credit limit?
I have reached the total aggregate credit limit. What should I do?
I have reached the total aggregate credit limit and I do not have any of the accepted ID. What can I do?
I do not have any of the accepted ID and I will reach the end of my 12-months validity. What can I do?
Will I receive a notification when my Time Deposit is rolled over?
Stash
How do I create a Stash or Time Deposit?
How different is a Stash from a Time Deposit?
Should I choose to open a Time Deposit or a Stash?
What is a Stash? What can I use a Stash for?
How to open a Stash?
What is the minimum amount to save in a Stash?
How can I add money to my Stash?
Will I continue earning interest after my Stash goal is reached or after I passed the Stash target date? I do not have any plan to withdraw or close my Stash yet.
How can I invite others to participate in my Group Stash?
Who owns the Total Stash Balance in a Group Stash?
How to withdraw money from my Stash?
How to close a Stash?
How many Stashes can I own at the same time?
How far back can I view my Stash transaction history in the App?
I cannot withdraw from my Stash and I have not uploaded my ID. What is the reason and how I can withdraw from my Stash?
Where is my Stash interest credited?
How to enjoy the Group Stash interest rate?
How to see Group Stash members' contribution?
Why is there OTP for Group Stash contribution?
Time Deposit
What is a Time Deposit?
How to open a Time Deposit?
What is the available term for Time Deposit?
What is the minimum amount to invest in a Time Deposit?
What is the maximum amount to invest in a Time Deposit?
When can I access the money in my Time Deposit?
Can I access my money in my Time Deposit before its maturity date?
Is there penalty for closing my Time Deposit before maturity?
What is “early withdrawal” or “pre-termination”?
I want to close my Time Deposit after the cooling off period. What will I get and how is it calculated?
How is Documentary Stamp Tax (DST) for Time Deposit is calculated?
Will I be charged Documentary Stamp Tax when I open a Time Deposit?
What will I get if I wait for my Time Deposit until it matures?
How do I close my Time Deposit when it matures?
Is my money safe with Tonik?
When will I receive my Time Deposit Placement Confirmation Certificate?
When will I receive my Time Deposit Maturity Certificate?
When will I receive my Time Deposit Early Withdrawal Certificate?
When will I receive my Time Deposit Rollover Certificate?
How does Time Deposit Rollover work?
What kind of rollover does Tonik allow?
Can I change the investment amount when I select rollover?
How long is the rollover for?
How can I do a Time Deposit rollover?
How do I stop the Time Deposit roll over?
When can I change the Roll Over setting of my Time Deposit?
Is it possible to get the same interest rate as my old Time Deposit (TD)?
What will happen to my Time Deposit (TD) when Tonik reduces the TD interest rate?
Why can't I change the "Roll over time deposit" button?
When will my Time Deposit roll over stop?
Does the cooling off period apply to the Time Deposit roll over?
Can I withdraw my Time Deposit?
Can I withdraw my Time Deposit before the maturity date?
How can I early withdraw my Time Deposit?
Interest
How is my Tonik Account/Solo Stash/Group Stash interest calculated?
How is my Time Deposit interest Calculated?
What are the latest interest rates for Tonik Account, Stash or Time Deposit?
Is there any minimum balance to earn interest?
What is withholding tax?
When will my interest be credited to my Tonik Account or Stash?
What will happen to the interest of my Tonik Account, Solo Stash, Group Stash and Time Deposit when Tonik changes the interest rate for these products?
What is the cut-off time for cleared balance?
Bank Statement & Certificate
Will I get a monthly Statement of Account?
What is the period of my monthly Statement of Account?
When will I get my monthly Statement of Account?
What is a bank certificate?
What can I do with a bank certificate?
How to generate a bank certificate?
The reason I have for a bank certificate request is not listed in the App. What can I do?
How quick can I receive my bank certificate?
Is it possible to request for a bank certificate for a certain time period or date?
Can I request for a bank certificate for only a handful of accounts that I own instead of all accounts?
How to verify the authenticity of a bank certificate?
Is the bank certificate issued free of charge?
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