Do I need to present any ID before I am able to open an account with Tonik?

No, you don’t need to present an ID to open an account. If you do not have any of the accepted IDs at the point of registration, you may still register by skipping the ID upload step.

However, the account created will only have a P50,000 balance limit, P100,000 total aggregate credit limit, and a 12-month validity period. This means that once you hit the balance or total aggregate credit limit, you may not be able to top up, receive money from other people or banks, and unstash your Stash. The said balance limit, total aggregate credit limit, and validity period will only be lifted once you are able to upload one of the accepted IDs via the application.