Max. Amount / Transaction1
|InstaPay1||varies depending on sending bank||varies depending on sending bank|
|PESONet1||varies depending on sending bank||varies depending on sending bank|
|Local Bank Debit Card2||2.5% of cash-in amount||250,000.00 or debit card limit set by your bank, whichever is higher|
1. Maximum amount / transaction is subject to Tonik Account balance limit.
2. We accept only 3DS-enabled debit cards.
3. Subject to the limit of the originating bank.
Please note: Other banks may charge additional fees for transfers via InstaPay and PESONet. Please check with your other banks.
Max. Amount / Transaction
|Other Tonik Account||FREE||1,000,000.005|
|Mastercard ATMs (local)||250.006||varies depending on the acquiring bank up to 50,000 daily|
4. Withdrawal fee is waived for loan withdrawal.
5. Subject to a maximum balance limit of recipient’s account or fund availability.
6. ATM access fee is set by the acquiring bank.
Please note: Some banks may charge additional access fees, which are not in our control, and are non-refundable by us. Before using an ATM, we recommend checking the policy of the ATM owner on access fees.
|Card Payments Transaction Limit||Daily Transaction Limit (in PHP)|
|Virtual Debit Card (for account before submission of ID)||50,000.00|
|Virtual Debit Card (for account after Submission of ID)||250,000.00|
|Physical Debit Card||450,000.00|
|Account Related Charges||Charges (in PHP)|
|Monthly charge for falling below the required ADB||waived|
|Monthly account maintenance charge||waived|
|Monthly dormancy charge||waived|
|Account closure charge||waived|
|Request for a Bank Certificate||waived|
|Debit card issuance charge||300.00|
|Debit card replacement charge||300.00|