Tonik Account

It's your first base getting in on the action

Your Tonik Account is your main account. It'll give you the satisfaction of also having 5 Stashes and 5 Time Deposit accounts within the Tonik App. You're going to love how you can move, organize, and personalize your cash.

This is banking as it's meant to be. Surely, this will keep our love alive!

Check out our interest rates

How to Cash In and Cash Out

CASH-IN

Over-the-counter channel	How to cash-in
7-Eleven (CLIQQ)	Generate your payment code in the Tonik App, then pay in cash via the CLIQQ app or kiosk.
M Lhuillier, Cebuana Lhuillier, Palawan Express, or LBC	Generate your payment code in the Tonik App, visit your chosen branch before it expires, and complete the required payment form to pay in cash. Keep your receipt, luv!

Online channel	How to cash-in
PESONet or InstaPay	Use your bank's app to send money directly to your Tonik Account using your account details.
Bank & e-wallet channels	Use the available channels in the Tonik App, powered by Xendit.
QRPh	In the Tonik App, go to Profile > My QR, save your QR, then scan it using your other bank or e-wallet app.

CASH-OUT

Options	How it works
Transfer to Tonik	Send funds to another Tonik Account via the Tonik app.
Transfer to other banks	Send funds to your preferred bank account via the Tonik app.
Withdraw via ATM	Use your Tonik Debit Card at any nearby ATM.

Transaction Fees

Channel	Cash-in	Cash-out
InstaPay	varies depending on sending bank	PHP 8.00
PESONet	varies depending on sending bank	PHP 8.00
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.

Fire up the savings engine!

Get the tonik app

Scan the QR code to download the app

You'll be redirected outside of the Tonik website.
We wish you a smooth app download!