Tonik: Loans & Deposits

Tonik is the Philippines' first neobank, proudly holding a digital bank license from the Bangko Sentral ng Pilipinas. At Tonik, we offer high-interest savings, round-the-clock customer care, and innovative services crafted to streamline your credit-building journey.
Innovative. Passionate. Customer-first. That's Tonik.

We're a 100% digital bank on a mission to revolutionize the way money works in Southeast Asia, offering only fast, easy, and secure transactions with a team of experienced bankers taking care of all your financial needs. We're a neobank that's there for you 24/7 with services that'll help you get ahead of your financial goals – that includes the Tonik Credit Builder!

TONIK CREDIT BUILDER
The Tonik Credit Builder is your partner in navigating your financial journey. Using your Tonik Account, you can start building the foundation of a strong credit history in just a few taps.
By making timely payments, consistent savings, and daily transactions, you’ll unlock financial opportunities once beyond your reach. This will pave the way for you to live your best life - your financial ever after.
Take the first step with the Tonik Credit Builder today, and let's make credit history together!

TONIK CREDIT BUILDER FEATURES:
Fast approval and real-time disbursement to your Tonik Account
No credit history and no collateral needed
Minimal documents required - only 1 valid ID and a Tonik Account required
Flexible payment date - your preferred salary payout date
6, 9, and 12 months installment
100% digital - all loan info can be seen on the Tonik App
Cash out the full loan amount real-time
One bank account for application and cash disbursement
No pre-termination or early payment fees
With convenient and various repayment options
Tonik is a digital bank licensed and regulated by the Bangko Sentral ng Pilipinas and is a member of PDIC.