| 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 |