Fees and Charges

Deposit Channels Transaction Fee
(in PHP)
Max. Amount / Transaction1
(in PHP)
Local Bank Debit Card2 FREE Please check your issuer bank limit
Union Bank Direct FREE 250,000.003
BPI Direct FREE 50,000.003
GCash FREE 100,000.00
CoinsPH FREE 400,000.00
CLIQQ FREE 5,000.00
7Connect FREE NO MAX
SM Business Center FREE NO MAX
M. Lhuiller FREE 25,000.00
Cebuana FREE 25,000.00

1. Maximum amount / transaction is subject to Tonik Account balance limit.

2. We only accept 3DS-enabled Debit Card.

3. Subject to the limit of the originating bank.


Withdrawal Channels Transaction Fee
(in PHP)4
Max. Amount / Transaction
(in PHP)
Other Tonik Account FREE 1,000,000.005
Instapay FREE 50,000.00
GCash FREE 50,000.00
Cebuana 50.00 30,000.00
M. Lhuiller 50.00 30,000.00

4. Withdrawal fee is waived for loan withdrawal.

5. Subject to maximum balance limit of recipient’s account or fund availability.


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
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
Debit card issuance charge waived
Debit card replacement charge 150.00