What is the difference between Tonik’s physical debit Mastercard and Bancnet-enabled cards?

Our physical debit Mastercard can be used to pay for purchases in-store or online.


This card is not intended for use with ATMs, since local ATMs connected to Mastercard may charge a P250 Access Fee for every withdrawal. This means that when you withdraw P1,000 your account should be debited P1,250.