Fees and Charges

Deposit Channels Transaction Fee
(in PHP)
Max. Amount / Transaction1
(in PHP)

InstaPay1 FREE varies depending on issuing bank
PESONet1 FREE varies depending on issuing bank
Local Bank Debit Card2 25.00 varies depending on issuing bank
UnionBank Direct FREE 250,000.003
BPI Direct FREE 50,000.003
GCash 25.00 100,000.00
7-Connect 25.00 5,000.00
CLiQQ 25.00 5,000.00
SM Business Center 25.00 5,000.00
M. Lhuillier 25.00 5,000.00
Cebuana  25.00 5,000.00

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.

Withdrawal Channels Transaction Fee
(in PHP)4
Max. Amount / Transaction
(in PHP)

Other Tonik Account FREE 1,000,000.005
PESONet FREE 250,000.005
InstaPay FREE 50,000.00
Cebuana 50.00 30,000.00
M. Lhuiller 50.00 30,000.00
Mastercard ATMs (local) 250.006 varies depending on the acquiring bank up to 50,0000 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.

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