Fees and Charges

Deposit Channels

Transaction Fee
(in PHP)

Max. Amount / Transaction1
(in PHP)


Local Bank Debit Card2

FREE

varies depending on issuing bank

UnionBank Direct

FREE

250,000.003

BPI Direct

FREE

50,000.003

GCash

FREE

100,000.00

CLIQQ

FREE   

5,000.00

7-Connect

FREE        

450,000.00

SM Business Center

FREE       

450,000.00

M. Lhuillier

FREE 

25,000.00

Cebuana Lhuillier

FREE 

25,000.00

 

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

Instapay

FREE

50,000.00

GCash

FREE

100,000.00

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

300.00

Debit card replacement charge

300.00