Accounts | Tonik Bank

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 in Tonik?

Is my money in Tonik guaranteed by PDIC?

How far back can I view my 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?

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?

Whom does the money in the Group Stash belong to?

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 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?

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?

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?

Statement

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?

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