---
title: "Tonik Bank: Loans & Savings - Reviews, Revenue and Downloads in Philippines | Apple App Store"
description: "Tonik is a BSP-licensed digital bank in the Philippines, built to help you save more, borrow smarter, and bank entirely from your phone. Open an account in minutes with just one valid ID — no long for"
---

# Tonik Bank: Loans & Savings — Philippines
> Savings, Loans & Digital Bank

![Tonik Bank App Icon](https://is1-ssl.mzstatic.com/image/thumb/Purple221/v4/de/7c/e9/de7ce9ad-4a66-f930-9a1e-68e91cacc294/AppIcon-0-0-1x_U007emarketing-0-6-0-85-220.png/400x400bb.png)

**Developer:** [Tonik Digital Bank](https://apptail.io/developer/tonik-digital-bank-zloc)
**Category:** Finance
**Rating:** 4.6/5 (28,055 ratings)
**Price:** Free
**Bundle ID:** com.mobile.tonik
**Store:** Apple App Store
**Country:** Philippines
**Version:** 7.1.2 (released 2026-09-21)
**Original Release:** 2021-03-08

**App Store Link:** [Download on Apple App Store](https://apps.apple.com/ph/app/app/id1541576007)
**AppTail Page:** [https://apptail.io/app/tonik-bank-loans-savings-Dpx/philippines](https://apptail.io/app/tonik-bank-loans-savings-Dpx/philippines)

## Tonik Bank Description
Tonik is a BSP-licensed digital bank in the Philippines, built to help you save more, borrow smarter, and bank entirely from your phone. Open an account in minutes with just one valid ID — no long forms, no branch visits, and no credit history to get started. Your deposits are insured by PDIC up to ₱1,000,000, so your money stays protected while it grows.
 
WHY CHOOSE TONIK
• Up to 5% p.a. on time deposits — among the highest rates in the Philippines.
• Up to 5% p.a. on savings, with no minimum balance and no maintaining fees.
• Fast loans with approval in minutes, no collateral, and no credit history.
• A full digital bank: debit card, bills payment, and instant transfers in one app.
• BSP-licensed and PDIC-insured up to ₱1,000,000.
 
GROW YOUR MONEY — HIGH-INTEREST SAVINGS & TIME DEPOSITS
Open a high-interest savings account and earn up to 1% p.a., credited regularly, with no minimum balance and no maintaining fees. Want your money to work even harder? Lock in a time deposit and earn up to 5.50% p.a. — one of the highest deposit rates in the country.
Use Stash to create goal-based savings sub-accounts: set aside money for an emergency fund, tuition, travel, or your next big purchase, and watch every goal grow. Saving (ipon) has never been easier — fund your account in minutes and start earning interest right away with a digital bank that rewards you for keeping your money in the bank.
 
FAST LOANS — NO COLLATERAL, NO CREDIT HISTORY
Need cash fast? Tonik offers fast loans with approval in minutes, no collateral, and no paperwork.
• Credit Builder Loan: borrow up to ₱50,000 over 6, 9, or 12 months, with monthly rates from 4.24%. Build your credit history with just one valid ID.
• Shop Installment Loan: finance the things you need for up to ₱50,000 over 3, 6, 9, or 12 months.
Apply straight from the app, get a decision in minutes, and track your loan in real time. Choose a repayment schedule that fits your budget, with clear terms and no hidden fees — fast, transparent lending from a licensed digital bank.
 
EVERYDAY DIGITAL BANKING
Your Tonik account comes with a Mastercard debit card for secure online and in-store payments, anywhere Mastercard is accepted. Pay your bills — electricity, water, telco, and government dues — in just a few taps, and never miss a due date. Send and receive money instantly and through InstaPay and PESONet, and cash in conveniently at 7-Eleven and other partner outlets nationwide. Manage your savings, loans, time deposits, and card all in one app, 24/7, with real-time notifications for every transaction.
 
SAFE & SECURE
Tonik is licensed and regulated by the Bangko Sentral ng Pilipinas (BSP), and your deposits are insured by PDIC up to ₱1,000,000. Sign in securely with biometric authentication, confirm online purchases with 3D Secure, and freeze or unfreeze your card instantly from the app whenever you need to. Your privacy and security are protected at every step.
 
GET STARTED IN MINUTES
Download the app, sign up with one valid ID, and start saving, borrowing, and banking right away. Tonik is one of the highest-rated banking apps in the Philippines — built for the way Filipinos save and spend.
 
Download Tonik today and experience a digital bank built for Filipinos — high-interest savings, fast loans, and full online banking in one secure app.
Tonik Digital Bank, Inc. is supervised by the Bangko Sentral ng Pilipinas. Deposits are insured by PDIC up to ₱1,000,000 per depositor. Terms and conditions apply.

## Tonik Bank Screenshots
- [Screenshot 1](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/c8/45/d9/c845d99d-6d17-7907-a885-74ce9b00016c/81dd9232-be09-4e1a-86aa-94c04d9f144a_0101.jpg/1242x2208.png)
- [Screenshot 2](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/f9/97/bf/f997bf8b-207f-d0a0-c461-2de1e9647219/935a7210-b139-475b-a4de-74bbc9fb7aa7_0102.jpg/1242x2208.png)
- [Screenshot 3](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/cd/69/11/cd69118e-ba63-c744-4fdf-8d9496a1c4ec/3b640a66-e3d1-442a-ae46-6261c8aeb157_0104.jpg/1242x2208.png)
- [Screenshot 4](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/7f/be/a4/7fbea431-0bf4-3ea8-7105-9933541f790c/1fcf486b-7c39-4de6-b7fb-f6593a9c8c79_0103.jpg/1242x2208.png)
- [Screenshot 5](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/08/12/42/0812429d-176c-1970-7b8e-4e1e17f1ce8c/4c046924-86df-4f6a-a086-a67057403576_0105.jpg/1242x2208.png)
- [Screenshot 6](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/9b/65/88/9b65882d-9524-d56c-a49c-3a7baaafba1c/ee535e0c-6ca5-4259-90de-2045881e9e90_0106.jpg/1242x2208.png)
- [Screenshot 7](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/ba/fc/f2/bafcf20b-2e96-d9ec-e574-056d187bfc69/b665d342-db75-47e7-b7f6-92ea8755ac07_0107.jpg/1242x2208.png)
- [Screenshot 8](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/e8/f0/e7/e8f0e79b-0cff-0e96-e274-723d22ff2122/b73897d0-a956-4a4f-b85b-bb281b9b3b2d_0108.jpg/1242x2208.png)

## Tonik Bank Rating Breakdown in Philippines
- 5 stars: 22,373 (80%)
- 4 stars: 2,920 (10%)
- 3 stars: 758 (3%)
- 2 stars: 379 (1%)
- 1 stars: 1,625 (6%)

## Tonik Bank Reviews in Philippines

### *---- "Loan"
Not recommended this app. Daming mga Fillupan tapos irereject hays
-- kytttteee, 2025-01-01

### ****- "Better pay on of before the dies"
A late fee P500 will be charge on top of the loan repayment account, a bit higher than most of known digital bank.
-- Llonne, 2025-01-01

### ***** "Very Useful"
Napaka ayus ng tonik app hindi ka mag sisi pag eto ginamit mo
-- Boto2334, 2024-12-31

### ***** "BEST FINANCE APP EVER"
Fast Approval and Good Interest rates!
-- ChrisBay1995, 2024-12-31

### ***** "Fast"
Fast and easy
-- Ninsss27, 2024-12-30

### ***** "Smooth Communication for Approval"
Basta maganda ang credit history Smooth lang tlga ang approval for cash loan.Thank you so much! so helpful
-- NelzKy1632, 2024-12-30

### ***** "Good"
Legit loan app. Approval took almost a day but is okay. It really feels as if I am applying loan to a physical bank. Overall, happy with my experience
-- hunxen, 2024-12-29

### *---- "Auto reject"
Bulok
-- Dord5567, 2024-12-29

### *---- "Pending Account upgrade"
its been 4days still please wait for 24hours to upgrade your account
-- Kyoo77, 2024-12-28

### ****- "Approved loan"
Thanks tonik, im just a less than a week member who signed up but approved 20k loan in less than 20 mins. Promise to be a good payer so i can loan again after payment
-- therealtrid, 2024-12-28

[View all Tonik Bank reviews and detailed analytics on AppTail](https://app.apptail.io/signup?utm_campaign=ai-crawl&utm_content=reviews)


## Tonik Bank Store Rankings
| Chart | Country | Category | Rank |
|-------|---------|----------|------|
| Top Free | Philippines | Finance | #49 |
| Top Free | Philippines | Overall | #207 |

## Tonik Bank Discovered Keywords
- banking
- bankin
- savvee
- easy banking
- investir
- loans
- finance
- tipidloan
- juanhand
- cash loan app

## Apps Similar to Tonik Bank
- [Billease - Buy Now, Pay Later](https://apptail.io/app/billease-buy-now-pay-later-Spt/philippines)
- [CIMB Bank Philippines](https://apptail.io/app/cimb-bank-philippines-juB/philippines)
- [Digido Loan App Philippines](https://apptail.io/app/digido-loan-app-philippines-tXG/philippines)
- [MariBank PH (SeaBank)](https://apptail.io/app/maribank-ph-seabank-QSI/philippines)
- [JuanHand-Online Cash Loan App](https://apptail.io/app/juanhand-online-cash-loan-app-LEU/philippines)
- [zukì – Loan app by SB Finance](https://apptail.io/app/zuki-loan-app-by-sb-finance-sxV/philippines)
- [ACOM – Fast Cash Loan. Simple.](https://apptail.io/app/acom-fast-cash-loan-simple-miqb/philippines)
- [BluePeso - Safe cash loan app](https://apptail.io/app/bluepeso-safe-cash-loan-app-qTFb/philippines)
- [MocaMoca](https://apptail.io/app/mocamoca-LUNb/philippines)
- [Home Credit Philippines](https://apptail.io/app/home-credit-philippines-mvUb/philippines)

## Tonik Bank Available In
- [Philippines](https://apptail.io/app/tonik-bank-loans-savings-Dpx/philippines)
- [United Arab Emirates](https://apptail.io/app/tonik-bank-loans-savings-Dpx/united-arab-emirates)
- [Saudi Arabia](https://apptail.io/app/tonik-bank-loans-savings-Dpx/saudi-arabia)
- [Japan](https://apptail.io/app/tonik-bank-loans-savings-Dpx/japan)
- [Singapore](https://apptail.io/app/tonik-bank-loans-savings-Dpx/singapore)
- [Taiwan](https://apptail.io/app/tonik-bank-loans-savings-Dpx/taiwan)
- [Qatar](https://apptail.io/app/tonik-bank-loans-savings-Dpx/qatar)
- [Canada](https://apptail.io/app/tonik-bank-loans-savings-Dpx/canada)
- [India](https://apptail.io/app/tonik-bank-loans-savings-Dpx/india)
- [Australia](https://apptail.io/app/tonik-bank-loans-savings-Dpx/australia)
- [Kuwait](https://apptail.io/app/tonik-bank-loans-savings-Dpx/kuwait)
- [United Kingdom](https://apptail.io/app/tonik-bank-loans-savings-Dpx/united-kingdom)
- [Hong Kong SAR China](https://apptail.io/app/tonik-bank-loans-savings-Dpx/hong-kong)
- [Thailand](https://apptail.io/app/tonik-bank-loans-savings-Dpx/thailand)
- [Malaysia](https://apptail.io/app/tonik-bank-loans-savings-Dpx/malaysia)
- [Germany](https://apptail.io/app/tonik-bank-loans-savings-Dpx/germany)
- [Bahrain](https://apptail.io/app/tonik-bank-loans-savings-Dpx/bahrain)
- [New Zealand](https://apptail.io/app/tonik-bank-loans-savings-Dpx/new-zealand)
- [Macao SAR China](https://apptail.io/app/tonik-bank-loans-savings-Dpx/macau)
- [Spain](https://apptail.io/app/tonik-bank-loans-savings-Dpx/spain)
- [Nigeria](https://apptail.io/app/tonik-bank-loans-savings-Dpx/nigeria)
- [Türkiye](https://apptail.io/app/tonik-bank-loans-savings-Dpx/turkey)
- [South Korea](https://apptail.io/app/tonik-bank-loans-savings-Dpx/south-korea)
- [Italy](https://apptail.io/app/tonik-bank-loans-savings-Dpx/italy)
- [Oman](https://apptail.io/app/tonik-bank-loans-savings-Dpx/oman)
- [Norway](https://apptail.io/app/tonik-bank-loans-savings-Dpx/norway)
- [Czechia](https://apptail.io/app/tonik-bank-loans-savings-Dpx/czechia)
- [France](https://apptail.io/app/tonik-bank-loans-savings-Dpx/france)
- [China](https://apptail.io/app/tonik-bank-loans-savings-Dpx/china)
- [Vietnam](https://apptail.io/app/tonik-bank-loans-savings-Dpx/vietnam)
- [Israel](https://apptail.io/app/tonik-bank-loans-savings-Dpx/israel)
- [Russia](https://apptail.io/app/tonik-bank-loans-savings-Dpx/russia)
- [Netherlands](https://apptail.io/app/tonik-bank-loans-savings-Dpx/netherlands)
- [Switzerland](https://apptail.io/app/tonik-bank-loans-savings-Dpx/switzerland)
- [Jordan](https://apptail.io/app/tonik-bank-loans-savings-Dpx/jordan)
- [Croatia](https://apptail.io/app/tonik-bank-loans-savings-Dpx/croatia)
- [Brazil](https://apptail.io/app/tonik-bank-loans-savings-Dpx/brazil)
- [Finland](https://apptail.io/app/tonik-bank-loans-savings-Dpx/finland)
- [Ireland](https://apptail.io/app/tonik-bank-loans-savings-Dpx/ireland)
- [Malta](https://apptail.io/app/tonik-bank-loans-savings-Dpx/malta)
- [Poland](https://apptail.io/app/tonik-bank-loans-savings-Dpx/poland)
- [Armenia](https://apptail.io/app/tonik-bank-loans-savings-Dpx/armenia)
- [Lebanon](https://apptail.io/app/tonik-bank-loans-savings-Dpx/lebanon)
- [Denmark](https://apptail.io/app/tonik-bank-loans-savings-Dpx/denmark)
- [Colombia](https://apptail.io/app/tonik-bank-loans-savings-Dpx/colombia)
- [Romania](https://apptail.io/app/tonik-bank-loans-savings-Dpx/romania)
- [Ghana](https://apptail.io/app/tonik-bank-loans-savings-Dpx/ghana)
- [Hungary](https://apptail.io/app/tonik-bank-loans-savings-Dpx/hungary)
- [Ukraine](https://apptail.io/app/tonik-bank-loans-savings-Dpx/ukraine)
- [Sweden](https://apptail.io/app/tonik-bank-loans-savings-Dpx/sweden)
- [Greece](https://apptail.io/app/tonik-bank-loans-savings-Dpx/greece)
- [Cyprus](https://apptail.io/app/tonik-bank-loans-savings-Dpx/cyprus)
- [Cayman Islands](https://apptail.io/app/tonik-bank-loans-savings-Dpx/cayman-islands)
- [Kazakhstan](https://apptail.io/app/tonik-bank-loans-savings-Dpx/kazakhstan)
- [Sri Lanka](https://apptail.io/app/tonik-bank-loans-savings-Dpx/sri-lanka)
- [Lithuania](https://apptail.io/app/tonik-bank-loans-savings-Dpx/lithuania)
- [Luxembourg](https://apptail.io/app/tonik-bank-loans-savings-Dpx/luxembourg)
- [Latvia](https://apptail.io/app/tonik-bank-loans-savings-Dpx/latvia)
- [Madagascar](https://apptail.io/app/tonik-bank-loans-savings-Dpx/madagascar)
- [North Macedonia](https://apptail.io/app/tonik-bank-loans-savings-Dpx/north-macedonia)
- [Mali](https://apptail.io/app/tonik-bank-loans-savings-Dpx/mali)
- [Mauritius](https://apptail.io/app/tonik-bank-loans-savings-Dpx/mauritius)
- [Mexico](https://apptail.io/app/tonik-bank-loans-savings-Dpx/mexico)
- [Namibia](https://apptail.io/app/tonik-bank-loans-savings-Dpx/namibia)
- [Chile](https://apptail.io/app/tonik-bank-loans-savings-Dpx/chile)
- [Belize](https://apptail.io/app/tonik-bank-loans-savings-Dpx/belize)
- [Belarus](https://apptail.io/app/tonik-bank-loans-savings-Dpx/belarus)
- [Nepal](https://apptail.io/app/tonik-bank-loans-savings-Dpx/nepal)
- [Botswana](https://apptail.io/app/tonik-bank-loans-savings-Dpx/botswana)
- [Brunei](https://apptail.io/app/tonik-bank-loans-savings-Dpx/brunei)
- [Panama](https://apptail.io/app/tonik-bank-loans-savings-Dpx/panama)
- [Peru](https://apptail.io/app/tonik-bank-loans-savings-Dpx/peru)
- [Bermuda](https://apptail.io/app/tonik-bank-loans-savings-Dpx/bermuda)
- [Pakistan](https://apptail.io/app/tonik-bank-loans-savings-Dpx/pakistan)
- [South Africa](https://apptail.io/app/tonik-bank-loans-savings-Dpx/south-africa)
- [Portugal](https://apptail.io/app/tonik-bank-loans-savings-Dpx/portugal)
- [Paraguay](https://apptail.io/app/tonik-bank-loans-savings-Dpx/paraguay)
- [Bulgaria](https://apptail.io/app/tonik-bank-loans-savings-Dpx/bulgaria)
- [Belgium](https://apptail.io/app/tonik-bank-loans-savings-Dpx/belgium)
- [Barbados](https://apptail.io/app/tonik-bank-loans-savings-Dpx/barbados)
- [Azerbaijan](https://apptail.io/app/tonik-bank-loans-savings-Dpx/azerbaijan)
- [Slovenia](https://apptail.io/app/tonik-bank-loans-savings-Dpx/slovenia)
- [Slovakia](https://apptail.io/app/tonik-bank-loans-savings-Dpx/slovakia)
- [Senegal](https://apptail.io/app/tonik-bank-loans-savings-Dpx/senegal)
- [Suriname](https://apptail.io/app/tonik-bank-loans-savings-Dpx/suriname)
- [Austria](https://apptail.io/app/tonik-bank-loans-savings-Dpx/austria)
- [Tunisia](https://apptail.io/app/tonik-bank-loans-savings-Dpx/tunisia)
- [Argentina](https://apptail.io/app/tonik-bank-loans-savings-Dpx/argentina)
- [Angola](https://apptail.io/app/tonik-bank-loans-savings-Dpx/angola)
- [Uganda](https://apptail.io/app/tonik-bank-loans-savings-Dpx/uganda)
- [Uruguay](https://apptail.io/app/tonik-bank-loans-savings-Dpx/uruguay)
- [Uzbekistan](https://apptail.io/app/tonik-bank-loans-savings-Dpx/uzbekistan)
- [Honduras](https://apptail.io/app/tonik-bank-loans-savings-Dpx/honduras)
- [Indonesia](https://apptail.io/app/tonik-bank-loans-savings-Dpx/indonesia)
- [Grenada](https://apptail.io/app/tonik-bank-loans-savings-Dpx/grenada)
- [Egypt](https://apptail.io/app/tonik-bank-loans-savings-Dpx/egypt)
- [Iceland](https://apptail.io/app/tonik-bank-loans-savings-Dpx/iceland)
- [Estonia](https://apptail.io/app/tonik-bank-loans-savings-Dpx/estonia)
- [Jamaica](https://apptail.io/app/tonik-bank-loans-savings-Dpx/jamaica)
- [Ecuador](https://apptail.io/app/tonik-bank-loans-savings-Dpx/ecuador)
- [Algeria](https://apptail.io/app/tonik-bank-loans-savings-Dpx/algeria)
- [Kenya](https://apptail.io/app/tonik-bank-loans-savings-Dpx/kenya)
- [Dominican Republic](https://apptail.io/app/tonik-bank-loans-savings-Dpx/dominican-republic)
- [Guyana](https://apptail.io/app/tonik-bank-loans-savings-Dpx/guyana)
- [British Virgin Islands](https://apptail.io/app/tonik-bank-loans-savings-Dpx/british-virgin-islands)
- [Nicaragua](https://apptail.io/app/tonik-bank-loans-savings-Dpx/nicaragua)
- [Venezuela](https://apptail.io/app/tonik-bank-loans-savings-Dpx/venezuela)

---

## About AppTail

[AppTail](https://apptail.io) is a mobile app intelligence platform providing app analytics, ASO (App Store Optimization) tools, keyword tracking, competitor analysis, revenue estimates, and review monitoring for iOS App Store apps. Track your app's performance, discover ranking keywords, monitor competitors, and analyze market trends.

- [Search Apps](https://apptail.io)
- [Top Charts](https://apptail.io/top-iphone-apps)
- [Sign Up for Full Access](https://app.apptail.io/signup?utm_campaign=ai-crawl&utm_content=footer)

*Data provided by [AppTail](https://apptail.io) - Mobile App Intelligence Platform*