The following financial institutions have listed Tonik Digital Bank as a PESONet *beneficiary/receiving bank:

 

1. ING

 

2. CIMB

 

3. Landbank

 

4. Metrobank

 

5. PSBank

 

6. Robinsons Bank

 

7. PNB

 

8. AUB

 

9. Chinabank (transfer must be more than 50,000)

 

10. Bank of Commerce

 

11. UCPB

 

12. Philtrust (OTC only)

 

13. Security Bank (OTC only)

 

14. Citibank

 

*List of banks is as of August 31, 2021

 

We have compiled a list of step-by-step guides on how to transfer funds from your (ex)bank to your Tonik account.

 

 

AUB to Tonik

 

Step 1. Log in to the AUB website or mobile app.

 

Step 2. Under Fund Transfer, Select PESONet.

 

Step 3. Select AUB source account

 

Step 4. Select Tonik Digital Bank as the Recipient Bank, input the transfer amount and your 14-digit Tonik account number, and enter other necessary details of your Tonik account.

 

Step 5. Review transaction summary then click Confirm to proceed.

 

 

BOC to Tonik

 

Step 1. Log in to your BOC mobile app.

 

Step 2. On the upper right portion, click the menu icon and select Fund Transfer. Select Other Bank

 

Step 3. Click on PESONet as the preferred mode of transfer.

 

Step 4. Select Tonik Digital Bank as the beneficiary bank.

 

Step 5. Select BOC source account

 

Step 6. Enter your 14-digit Tonik account number and fill in the other necessary Tonik account details.

 

Step 7. Review your transaction and tap Submit.

 

Step 8. Perform the required authorization, if any.

 

 

CIMB to Tonik

 

Step 1. Log in to the CIMB mobile app.

 

Step 2. Under Transfer, select To other banks and choose PESONet

 

Step 3. Select the CIMB source account

 

Step 4. Select Tonik Digital Bank as the Recipient Bank, input the transfer amount and your 14-digit Tonik account number, and enter other necessary details of your Tonik account.

 

Step 5. Review the transaction summary then click Confirm to proceed.

 

Step 6. Perform the required authorization, if any.

 

 

Eastwest Bank to Tonik

 

Step 1. Log in to your East West mobile app.

 

Step 2. On the upper right portion, click the menu icon and select Send Money.

 

Step 3. Select New Payee and choose Tonik Digital Bank under Bank.

 

Step 4. Select Beneficiary type (Registered Payee or One Time Payment) & Payment option (Local Bank).

 

Step 5. Enter your 14-digit Tonik account number, select Tonik Digital Bank as the beneficiary bank, and fill in the other necessary account details.

 

Step 6. Select PESONet as the mode of transfer.

 

Step 7. Review your transaction and tap *Confirm.

 

*You may be asked to answer a security question for one-time payments.

 

 

ING to Tonik

 

Step 1. Log in to the ING mobile app.

 

Step 2. From your Pay Account dashboard, tap Transfer/Pay.

 

Step 3. Select Transfer Money. After taking note of the transfer guidelines, tap Next then Start Transfer.

 

Step 4. Provide the needed fund transfer details such as Tonik Digital Bank as the recipient bank, the transfer amount, and your 14-digit Tonik account number.

 

Step 5. Select PESONet and continue by tapping Transfer

 

Step 6. Perform the required authorization, if any.

 

 

Landbank to Tonik

 

Step 1. Log in to the iAccess web app.

 

Step 2. On the right side bar under Features, select Fund Transfer.

 

Step 3. Tick the Landbank account from where the fund transfer will originate.

 

Step 4. Select Transfer to Other Banks for one-time transfers and click on PESONet.

 

Step 5. Enter the transfer amount and other details such as Tonik Digital Bank as the recipient bank and your 14-digit Tonik account number.

 

Step 6. Choose Transfer Immediately under Transfer Type

 

Step 7. Select between SMS or Email as your OTP Sending Option

 

Step 8. Review the transaction summary and perform the required authorization

 

Step 9. Tap Confirm to proceed

 

 

Metrobank to Tonik

 

Step 1. Log in to the Metrobank app.

 

Step 2. Under the Profile icon on the top left corner, click Transfer to Other Bank and select PESONet.

 

Step 3. Click Transfer for one-time transfers. Select Tonik Digital Bank and enter your 14-digit Tonik account number, account name, address, and e-mail address or mobile number.

 

Step 4. Key in the Purpose of your transfer and click Next

 

Step 5. Select the Metrobank account from where the fund transfer will originate.

 

Step 6. Enter Amount then click Next.

 

Step 7. Review the transaction summary and tap Submit to confirm.

 

Step 8. Perform the required authorization, if any

 

 

PNB to Tonik

 

Step 1. Log in to your PNB Mobile Banking app and select Transfer Funds on the side menu.

 

Step 2. Tap Other Local Banks – PESONet and choose the source account.

 

Step 3. Select New Payee and choose Tonik Digital Bank under Bank.

 

Step 4. Enter your name under Tonik account name, your 14-digit Tonik account number under A/C Number, your home address, and desired transfer amount.

 

Step 5. Enable Save Payee to List

 

Step 6. Review the details you entered and tap Done

 

Step 7. Perform the required authorization, if any.

 

 

PSBank to Tonik

 

Step 1. Log in to PSBank Online.

 

Step 2. Click on Fund Transfer.

 

Step 3. Select the source account.

 

Step 4. Choose target account.

 

Step 5. If your Tonik account is already enrolled, select it from the To Enrolled Other Bank Account dropdown list. For one-time transfers, select To Unenrolled Other Bank Account and

fill in all mandatory information of your Tonik account.

 

Step 6. Indicate the amount you wish to transfer and select PESONet

 

Step 7. Review transaction details and click Submit

 

Step 8. Perform required *authorization, if any.

 

*For enrolled other bank accounts, a password will be required. For unenrolled other bank accounts, password and OTP entry will be required to process the transaction.

 

 

RCBC to Tonik

 

Step 1: Log in to the RCBC mobile app

 

Step 2: Tap the menu icon on the upper right corner and click Fund Transfer. Choose Bank Transfer

 

Step 3. Select the source account.

 

Step 4: Click on Select Beneficiary and select Tonik Digital Bank

 

Step 5: Enter you 14-digit Tonik account number and other Tonik account details. Tap Proceed

 

Step 6: Select PESONet as the Transfer Channel and input the transfer amount. Click Transfer Now.

 

Step 7: Review the information entered and tap Proceed to confirm fund transfer

 

Step 8: Perform the required authorization, if any.

 

 

Robinsons Bank to Tonik

 

Step 1: Log in to your Personal Online Banking (POB) account and access Direct2Bank from the menu

 

Step 2: Choose PESONet as the preferred transfer facility

 

Step 3: Enter Tonik Digital Bank as the Beneficiary Bank and other required Tonik account

details and information.

 

Step 4: Select the source account from where the transfer will originate. Click on Submit.

 

Step 5: Check the information entered and tap Confirm to proceed

 

Step 6: Perform the required authorization, if any.

 

 

UCPB to Tonik

 

Step 1: Log in to UCPB Connect or mobile app

 

Step 2: Go to Transfer Funds, then click on Transfer to Other Banks

 

Step 3: Select PESONet

 

Step 4: Review the transaction details

 

Step 5: Perform the required authorization, if any.

 

 

Unionbank to Tonik

 

Step 1. Log in to the UnionBank mobile app.

 

Step 2. On the lower left portion of the dashboard, tap Send/Receive.

 

Step 3. Select Other Banks & E-Wallets and choose PESONet

 

Step 4. Select Tonik Digital Bank as the recipient bank, enter your 14-digit Tonik account number and your account name.

 

Step 5. Tap Next and input the amount. You may schedule a future transfer by changing the transfer date on the same screen.

 

Step 6. Identify the purpose of the transfer and click Next

 

Step 7. Review the transaction summary and tap Transfer

 

Step 8. Perform the required authorization, if any.

 

The transfer amount net of service fees, if any, will be credited back to your source bank as soon as we have returned the funds to them.

 

Give it 2 to 3 business days for your source bank to process your refund.

All PESONet transactions are considered final and can no longer be cancelled if a valid Tonik account number other than the recipient’s was provided.

 

If it happens to you, immediately report it to any of our Customer Care channels.

 

There is no guarantee of recovering the funds, but we will exert utmost diligence and effort to recoup the transfer amount.

1. You entered an invalid Tonik account number.

 

Make sure it is the 14-digit account number found in your profile. To avoid encoding errors, just copy the account number by clicking on the icon beside it.

 

You cannot transfer to closed, dormant, or blocked Tonik accounts via PESONet as well.

 

2. You keyed in account information that does not match any active Tonik account.

 

3. Remember, no pet names allowed! Yes, it includes ‘luv’.

 

4. The account’s currency is anything but Peso

 

PESONet is available only for fund transfers between Philippine Peso accounts of participating banks and electronic money issuers in the country.

 

5. The transaction is suspicious based on Anti-Money Laundering criteria.

 

We’ll gladly return your money back to your (ex)bank.

PESONet processes fund transfers in batches. Most participant banks and e-wallets implement a cut-off time between 12PM to 4PM for same-day crediting. It is still best to check with your (ex)bank what their cut-off time is before doing a fund transfer via PESONet.

 

If you were able to transfer funds within your (ex)bank's cut-off, the transferred amount will be credited to your Tonik Account after 6:30PM of the same day.

To process fund transfers, source banks would require your Tonik Account details.

 

You may find these in the Account Information section of your Tonik App. To reduce encoding errors, just click on the copy icon beside your account details (yes, it is the two overlapping squares on the right!) and paste it directly to your (ex)bank’s mobile or web app.

 

Make sure it’s your 14-digit account number you’re copying and not your Tonik virtual or physical card number. Consistent with our 6% interest offering, Tonik account numbers also start with a 6!

It will depend on the limits set by your issuing bank. You may contact your bank to ask about their daily transfer limits.

 

Take note of both the per transaction limit and daily transaction limit. Some banks have set a minimum transfer amount as well.

Fund transfer fees vary from bank to bank. Please check with your issuing bank if they charge a fee for PESONet fund transfers.

Tonik will not charge additional fees for receiving transfers via PESONet. XOXO