Skip to main content
Home Tonik Bank

User account menu

  • Home
  • Savings & Cards
    • Tonik Account
    • Stashes
    • Group Stash
    • Time Deposit
    • Debit Card
    • Tendo Stash
    • QRPh
  • Loans
    • Credit Builder Loan
    • Shop Installment Loan
    • Loan Repayment
  • Tonik App
  • News
  • Promos
  • Blog
  • About Us
    • Who We Are
    • Top Management
    • Legal Structure
    • Investors
  • Help
    • FAQs
    • Fees & Charges
    • Deposit Interest Rates
  • Careers
  • Tonik App
  • Accounts
  • Cash-ins/Deposit
  • Fund Transfer
  • Cash-out/Withdrawals
  • Payments & Reload
  • Cards
  • Loans
  • QRPh
  1. FAQs
  2. Tonik App

What is Tonik

What is Tonik?

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.

How do I get access to the Tonik App?

Where can I download the Tonik App?

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

What are the minimum OS requirements to be able to download the Tonik App?

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

What are the minimum hardware specifications needed to operate the application on my mobile phone?

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

Why is the Tonik app requesting permission to access my Location, Contacts List, Camera, and Photos?

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

I've cleared my app cache or stored data. Do I need to reinstall the app also?

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

Registration

Who can register as a Tonik user?

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

How do I register?
  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.

How do I do a proper Face Identity Scan?

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!

 

What are the accepted IDs?
  • 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
How can I logout from my Tonik App?

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.

 

Can I login from another device?

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

How can I change my registered phone number?

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

I uploaded a valid ID during the registration process, but my name is not being scanned properly. What should I do?

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

Do I need to reset my password every time I change my device?

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.

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.

How to do a document scan?

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.

 

My camera does not work when I am doing my registration. Why is that?

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.

What is Digital National ID?​

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​​

Do you accept Digital National ID? ​

​​​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​

I'm encountering errors scanning my Digital National ID, what should I do?

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​​​​​

I'm an existing customer and I want to update to Digital / ePhilsys ID. Can I do it in the app?

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​
​​​​

Login

How can I login to my Tonik App?

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.

 

How can I activate face ID or fingerprint scan as alternative method of logging into my Tonik App?

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

I cannot login to my Tonik App using face ID. What should I do?

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.

 

Should I clear App Data in my phone setting?

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.

User Profile

How can I upload a profile photo?

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.

Data Privacy

How is my data stored and kept safe?

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.

Can I request to delete my account and customer information?​

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.​

What happens to my data after my account is closed? ​

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.​

​

Self-Service Mobile Number Change

Can I process a mobile number change request using a different device?

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

How many times can I process a mobile number change request in a day? 

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

How many times can I process a mobile number change request in a month? 

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

How soon can I get confirmation that my mobile number change request was successful? 

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

I am not receiving any OTPs, what should I do? 

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

How many times can I request for an OTP?

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

Can I switch back to my old number after changing it to a new one? 

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

Will my account be blocked if I enter an incorrect OTP? 

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

I have reached the maximum OTP request for the day. How else can I request for a mobile number change?

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

How can I change my mobile number if both my SIM card and device were lost or stolen?

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

Self-Service Time Deposit Certificate

Where can I request Time Deposit certificates?

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

Can I request multiple Time Deposit Certificates?

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

Why am I only seeing the Bank Certificate option under "Request Certificates"?

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.

How can I get a copy of my certificate?

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

What is the file format of my TD certificates?

You’ll get a PDF version, luv! 

I forgot my password. How do I open my certificate available for download?

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

Self-Service ID Update

Can I update my ID via the app?

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

Who can update an ID via the app?

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! 

How many times can I update my ID per day?

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 

What type of IDs are accepted?

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 
I don't have a physical ID. Can I still update via the app?

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!

I have different registered addresses. Can I still update my ID via the app?

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

How will I know when my ID is updated?

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 

Can I still call your Customer Care Team if I need extra help?

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

What if I didn't update my ID and it's about to expire. Can I still open Stashes/Deposits?

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 

What if I didn’t update my ID (and it's about to expire), can I get a loan?

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 

I can't see 'update my ID' on personal details. What should I do?

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 

I'm trying to scan an ID that is nearing expiry (will expire in 45 days). Will the system still accept it?

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 

Image
tonik logo

Follow us

Image
facebook
Image
twitter X
Image
linkedin
Image
Youtube
Image
Instagram

Contact Us customercare@tonikbank.com +63 2 5322 2645

Please note that our customer service team is available from 6:00 AM to 9:00 PM.

For fraud related concern, our hotline is available 24/7

Footer Menus

Tonik Digital Bank Inc.
  • Home
  • About Us
  • News
  • Sitemap
Products
  • Tonik Account
  • Stashes
  • Time Deposit
  • Debit Cards
  • Loans
Support
  • Tonik App
  • FAQ
  • Important Information
  • Customer Assistance Management System
Privacy and Security
  • Data Privacy
  • Terms and Conditions

Philippines

Unit 605B, 6/F West Wing, The Offices at Estancia, 1605 Meralco Ave, Pasig City

Singapore

175A Bencoolen Street, Burlington Square #05-01, Singapore 189650

India

DLF IT Park, 1/124 Block 10, 6th Floor, DLF IT SEZ, Mount Poonamalee Road, Nandambakkam Post, Manapakkam, Chennai 600 089, India

×

Deposit interest rates →
Charges and limits →

×

Data Privacy Notice →
Data privacy statement →

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

Tonik Digital Bank, Inc. is regulated by the Bangko Sentral ng Pilipinas.

© 2020 Tonik Digital Bank, Inc.

Pdic
Mastercard
Pesonet
Genesys
Credolab

To view our deposit interest rates

Click here

 

To view our fees, charges and limits

Click here

Thanks, luv! We've received your details and will contact you as soon as we can.​

How-to-video


Modal title

Modal body text goes here.

Continue Close