How to Cash In and Cash Out

Transaction Fees

Channel
Cash-in
Cash-out
InstaPay varies depending
on sending bank
FREE
PESONet varies depending
on sending bank
FREE
Local Bank Debit Card 2.5% of cash-in amount N/A
BPI Direct ₱30 N/A
UnionBank Direct ₱30 N/A
GCash ₱30 N/A
7-Connect ₱30 N/A
CLiQQ ₱30 N/A
Other Tonik Account FREE FREE
SM Business Center ₱30 N/A
M. Lhuillier ₱30 ₱50
Cebuana ₱30 ₱50
Mastercard ATMs
(using Tonik Debit Card)
N/A FREE*

*An ATM access fee of up to P250 may be charged from your account upon ATM withdrawal.

Please note: Other banks may charge additional fees for transfers via InstaPay and PESONet.

Please check with your other banks.

Deposits are insured by PDIC up to ₱500,000 per depositor.