Deposit Channels |
Transaction Fee (in PHP) |
Max. Amount / Transaction1 (in PHP) |
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 |
UnionBank Direct | 30.00 | 250,000.003 |
BPI Direct | 30.00 | 50,000.003 |
GCash | 30.00 | 100,000.00 |
7-Connect | 30.00 | 5,000.00 |
CLiQQ | 30.00 | 5,000.00 |
SM Business Center | 30.00 | 5,000.00 |
M. Lhuillier | 30.00 | 5,000.00 |
Cebuana | 30.00 | 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.
Please note: Other banks may charge additional fees for transfers via InstaPay and PESONet. Please check with your other banks.
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.
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 |