1. FAQs
  2. Tonik App

Tonik is the first neobank in the Philippines.

As a neobank, access to our banking products and services is conveniently at the palm of your hands through the Tonik App. We operate on a fully digital platform which means unlike other brick-and-mortar banks, we are not limited within physical branches.

Deposits are insured by PDIC up to ₱1 Million per depositor.

Open a Tonik Account now ->

Download the Tonik App now!

 

 

 

Deposits are insured by PDIC up to ₱1 Million per depositor.

You may download the Tonik app from either the Apple App Store or the Google Play Store.

For iPhone users, the minimum supported software system is iOS 13.4
For Android users, the minimum supported OS is Android OS 9.0.0

Your mobile phone needs to have a front-facing camera. It is also recommended that your phone has at least 3GB of RAM.

The app needs to access your Location, Contacts List, Camera, and Photos to function properly.

Your location and camera are used for security purposes. Your contacts list is used for selecting fund transfer recipient/s. Your camera and photos are used for account customization

Yes, you need to reinstall the app if you cleared the app cache or stored data.

Any Filipino who is:

1. At least 18 years old
2. Has a residence in the Philippines
3. Has a valid email address
4. Has an active Philippine mobile number
5. Does not classify under the United States FATCA

  1. Download and install the Tonik App.
  2. Register by going through our app’s onboarding process.

Enjoy full access to the Tonik App’s products and features, get ready with your valid government-issued ID.

Your face will be the key to validating your identity and account ownership through our facial recognition security feature. For this very reason, pretty please ensure the following:

Find a well-lit place with a plain background, so that your mobile phone’s camera can accurately scan your face.

Remove anything that may prevent the app from scanning your full face (e.g. mask, hat, or any eyewear)

Directly face the camera and position your head within the purple frame you will see on the screen. You're awesome!

 

  • PhilID (National ID/PhilSys ID)
  • ePhilID
  • Philippine Passport
  • Philippine Driver’s License
  • Unified Multi-Purpose ID (UMID)
  • Social Security System (SSS) ID
  • Professional Regulation Commission Identification Card (PRC ID)
  • Postal ID (card type)
  • ePhilSys/Digital

You will be logged out automatically when your application has been inactive for five (5) minutes.

If you want to logout completely from your app, you may also press logout.

You may reset your app and password, where you will be required to set up a new password and perform face verification / Face Identity Scan on your next login.

 

Yes, you can. However, you may only access your Tonik Account from 1 device at any given time. 

You can call Tonik Customer Care to have your registered phone number changed.

You should call Tonik Customer Care so we may assist you with your registration.

Yes, for security reasons, you may only access  your Tonik App from one (1) device. If you wish to access your account from a different device, you will be prompted to reset your password in the new device.

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.

1. Do not use a camera flash to avoid taking a bright photo.
2. Do not cover any part of your ID.
3. Make sure the whole ID is within the frame.

 

This is because you have not granted permission for the App to use your phone's Camera. You can go to your phone settings to grant camera permission to the app.

Glad you asked, luv! The Digital National ID is the official digital version of the National ID, accessible via computers or smartphones. It is a valid and sufficient proof of identity in various transactions in government offices and private institutions, as stated in a PSA advisory dated 11 June 2024. ICYMI, you can use this ID to onboard with Tonik! XOXO​​

​​​Yes luv, we do! During your onboarding and right after your Face Scan, you'll see Digital/ePhilsys ID as part of the ID list. Feel free to select this ID then capture the front and back pages. Make sure to follow the instructions carefully for a smooth onboarding experience! XOXO​

Sorry about that, luv! ​

​Before scanning any ID, we provide helpful instructions such as scanning the ID in a well-lit area, turning off the camera flash, and making sure nothing is blocking your camera. You can choose another ID or try again with those instructions in mind. Don't give up, luv, you can do it! XOXO​​​​​

Not yet, but you will one day! The Digital / ePhilSys ID is only available to new customers and will be reflected during Onboarding. Keep your eyes peeled for updates! XOXO​
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There are 3 ways to login:

  1. Provide your password
  2. Fingerprint verification
  3. Face verification (Face ID)

To activate options 2 and 3, you need to first select your login preference in the User Profile part of the app.

 

You can configure this setting in User Profile. Simply select Login Options and you’re good to go

You can login using your password in the meantime.

After resetting face ID on your device, reinstall the Tonik App to try again.

Please note that you will once again need to set a new password and perform face ID verification for security purposes.

 

Clearing the App's data will not result in any critical issues. It will, however reset your Tonik App, and you will be required to authenticate again by:
1. Validating your mobile number through an OTP
2. Doing a Face Identity Scan
3. Resetting your password

For your account security, the App stores data on your device. Clearing the data removes this information and re-authentication is required to restore account security.

You may do so in the User Profile section of the app. Keep in mind that the photo you upload will be visible to other Tonik customers when you transfer money to them or contribute as a member of a Group Stash.

We have measures (policies and procedures, IT security, etc.) in place that ensures the confidentiality and integrity of your personal data and how they are processed. Our internal policies are also kept up to date with regulations and market developments.​
​
We also ensure that the use of personal information complies with the Data Privacy Act of the Philippines. You may learn more by reading through our Data Privacy Policy Statement.

Hey, luv! We will retain your Data for the following periods in accordance and consistent with the BSP Regulations:​

  1. Retention period for transaction records shall be five (5) years from the date of transaction except where specific laws and/or regulations require a different retention period, in which case, the longer retention period is observed.​

  2. For financial data and documents which indicate taxable transactions, data shall be preserved for ten (10) years per BIR Regulation.​

​

After the expiration of the imposed retention period as abovementioned, we will either:​

  1. securely and permanently delete or destroy the relevant personal data; or​

  2. anonymize or de-identify them.​

​

We ensure that the use of personal information is in compliance with the Data Privacy Act of the Philippines. You may learn more by reading through our Data Privacy Policy Statement.​

Hey, luv! We will retain your Data for the following periods in accordance and consistent with the BSP Regulations:​

  1. Retention period for transaction records shall be five (5) years from the date of transaction except where specific laws and/or regulations require a different retention period, in which case, the longer retention period is observed.​

  2. For financial data and documents which indicate taxable transactions, data shall be preserved for ten (10) years per BIR Regulation.​

​

After the expiration of the imposed retention period as abovementioned, we will either:​

  1. securely and permanently delete or destroy the relevant personal data; or​

  2. anonymize or de-identify them.​

​

We ensure that the use of personal information is in compliance with the Data Privacy Act of the Philippines. You may learn more by reading through our Data Privacy Policy Statement.​

​

Hi there, luv! You can change your mobile number through a new or different device as long as you can still log in to your Tonik App using your registered number. If you do not have access to your registered mobile number anymore, you can direct your mobile number change request to our Customer Care Team at +63 2 5322 2645 or customercare@tonikbank.com. XOXO

Hi there, luv! You can change your mobile number in the Tonik App up to two times in one day. If you made a mistake or wish to change it after your second attempt, you can reach out to our Customer Care Team at +63 2 5322 2645 or customercare@tonikbank.com. XOXO

Hi there, luv! You can change your mobile number in the Tonik App up to three times in a month. If you made a mistake or wish to change it after your third attempt, you can reach out to our Customer Care Team at +63 2 5322 2645 or customercare@tonikbank.com. XOXO

Hi there, luv! We will send you an email and SMS confirming that we’ve received your mobile number change request. Keep an eye out, okay? 

If you receive any of these notifications but you didn’t make a request, immediately report it to our Customer Care Team at +63 2 5322 2645 or customercare@tonikbank.com. XOXO

Hi there, luv! You can request for a new OTP if you haven't received one yet. If you don't own the old number registered to your Tonik Account anymore, we will send an OTP via email to you as an alternative. Do remember that the OTP we’ll accept is the latest one! XOXO

Hi there, luv! You can request up to five SMS OTPs in a day. You are also given five attempts to enter the correct OTP. If you have already maxed out the OTP request count or have incorrectly entered your OTP five times, please reach out to our Customer Care Team at +63 2 5322 2645 or customercare@tonikbank.com to continue with your mobile number change request. XOXO

Of course, luv! You can switch back to your old mobile number for as long as you haven't reached the change request limit yet. Plus, make sure that you can authenticate the request in the Tonik App. XOXO

Don't worry, luv! Your account will not be blocked if you incorrectly enter the OTP. Do note that you can request up to five SMS OTPs in a day and you are also given five attempts to enter the correct OTP. 

If you have already maxed out the OTP request count or have incorrectly entered your OTP five times, please reach out to our Customer Care Team at +63 2 5322 2645 or customercare@tonikbank.com to continue with your mobile number change request. XOXO

Sorry to hear that, luv! If you have already maxed out the OTP request count or have incorrectly entered your OTP five times, please reach out to our Customer Care Team at +63 2 5322 2645 or customercare@tonikbank.com to continue with your mobile number change request. XOXO

Sorry to hear that, luv! please reach out to our Customer Care Team at +63 2 5322 2645 or customercare@tonikbank.com to request for a mobile number change. XOXO

Hey, luv! From the Profile icon, go to "Request Certificates." Then, choose Time Deposit Certificates.

You can also request certificates from the “Time Deposits” tile. Just  choose a TD and select “View and Download TD Certificates.” XOXO

Yes you can! Choose a TD account from the “Request Certificates List" and tap "Download." Please note that you can only request 1 per day per TD. XOXO

There are two possible reasons:  

You haven't opened a Time Deposit account.  

You just created your Time Deposit (it's currently your Day 1). It will take 6 days for it to be generated.

After 6 days, go to Profile > "Request Certificates." By then, you should be able to see the Time Deposit Certificates option.

Good question, luv! We have a self-serve feature so you can download it on your own. Get a copy of your certificate saved on your device. Make sure to save it in Files! XOXO

You’ll get a PDF version, luv! 

To access your certificate, you need to key-in 8 digits. The instructions will be part of the pop-up message before tapping the “Download to Device” button!

Here’s an example:

If your mobile number is 09175791234 and your birthday is March 16, then your 8 digits are: 

Download Certificate

Yes, you can! Tap the Profile Icon on the app dashboard to update your ID in no time. Hope this helps! XOXO 

Hey, luv! Good news—ID updates will soon be available for all BKYC, SKYC, and FKYC customers! Just a heads-up, though: this update doesn’t include upgrades from BKYC to SKYC. Stay tuned for more! 

You can update your ID up to 3 times a day. If it’s maxed out, this feature will be hidden and will be reset the next day. Make sure you get it right the first time, luv! XOXO 

Hey, luv! We currently accept any one of the following physical IDs:  

  • Driver's License
  • Passport
  • Postal ID  
  • PRC ID
  • SSS ID
  • UMID
  • Philsys ID 

If you don’t have a physical ID, no worries, luv! You can reach out to our Customer Care Team for help. You can also try scanning a digital ID—if it doesn’t work after three tries, we’ll guide you through a manual upload. We’re here to make it easy for you!

Hey, luv! Best to edit your registered address to match the one in your ID. Call our Customer Care Team for assistance! XOXO 

We update your ID details in real-time, luv! Just head to Profile > Personal Details > Other Personal Info in the app to check if your new ID details are reflected. XOXO 

Absolutely! Our customers can still contact our agents if they need help. Just call +63 2 5322 2645 or use the in-app chat! XOXO

Yes, you still can, but we strongly recommend making any necessary updates to avoid any chance of your account being frozen or closed. Make sure to update that ID ASAP! XOXO 

Hey, luv! We follow our standard process, so we strongly recommend making any necessary updates to avoid any delays or issues with your loan approval. Don’t forget to update that ID, luv! XOXO 

To view the 'Update My ID' option, just tap the 'Other Personal Info' button. BTW, keep an eye out—more self-service features will be coming to the app soon! XOXO 

If your ID is close to expiring, you’ll see an error pop-up message prompting you to try again with a valid ID. To avoid any hassle, make sure you have an up-to-date ID ready! XOXO