| 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 |