---
title: "Tonik Bank: Loans & Deposits - Reviews, Revenue and Downloads in Philippines | Apple App Store"
description: "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 innov"
---

# Tonik Bank: Loans & Deposits — Philippines

![Tonik Bank App Icon](https://is1-ssl.mzstatic.com/image/thumb/Purple221/v4/46/ab/63/46ab6390-cf34-c8e6-dfae-628a8a8c4b09/AppIcon-0-0-1x_U007emarketing-0-6-0-85-220.png/434x0w.png)

**Developer:** [TONIK FINANCIAL PTE](https://apptail.io/developer/tonik-financial-pte-zloc)
**Category:** Finance
**Rating:** 4.6/5 (26,478 ratings)
**Price:** Free
**Bundle ID:** com.mobile.tonik
**Store:** Apple App Store
**Country:** Philippines
**Version:** 7.0.3 (released 2026-03-19)
**Original Release:** 2021-03-08
**Languages:** English

**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-deposits-Dpx/philippines](https://apptail.io/app/tonik-bank-loans-deposits-Dpx/philippines)

## Tonik Bank Description
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.

## 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: 21,098 (80%)
- 4 stars: 2,794 (11%)
- 3 stars: 717 (3%)
- 2 stars: 356 (1%)
- 1 stars: 1,513 (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

### *---- "New Font is Ugly"
New font style is ugly. Please switch back to the old one!
-- karenakdiendhwiaowje, 2024-12-28

### ***** "Positive vibes"
Friendly user app, very easy to use. If ill get approved this would be a big help for us specially this holiday season.
-- kEkhAkhO03, 2024-12-28

### *---- "NOT FOR EVERYONE"
hindi para sa lahat ung mga services n pwedeng i-avail especially loans
-- MkZ-12, 2024-12-27

### ***** "a"
it helps me alot
-- rhaii066, 2024-12-26

### ***** "luv u tonik"
loan approved
-- Dawnyuuuh, 2024-12-26

### ***** "Quick approval"
Easy and fast approval
-- Tonik is the best, 2024-12-26

### ***** "Reliable and seamless"
Easy requirements and process
-- theplanetofzeeapes, 2024-12-24

### ***** "Excellent"
The transfer fee is a big help thank you making it for free and cash in with your partners
-- kiel siy, 2024-12-24

### ***** "Awesome and Grateful"
One of the best option you can have.
-- pong@077, 2024-12-23

### *---- "SLOW CUSTOMER SERVICE"
BEEN TRYING TO FIX AN ISSUE REGARDING GENERATING AN ACCOUNT. ITS BEEN TWO WEEKS NOW AND THE HOLIDAYS ARE COMING UP ALREADY. TONIK, WHAT IS YOUR PLAN?
-- juanitosy, 2024-12-23

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


## Tonik Bank Store Rankings
| Chart | Country | Category | Rank |
|-------|---------|----------|------|
| Top Free | Philippines | Finance | #41 |
| Top Free | Kuwait | Finance | #168 |
| Top Free | Philippines | Overall | #217 |
| Top Free | Hungary | Finance | #219 |
| Top Free | United Arab Emirates | Finance | #293 |
| Top Free | New Zealand | Finance | #350 |
| Top Free | Nigeria | Finance | #366 |
| Top Free | Malaysia | Finance | #465 |
| Top Free | Singapore | Finance | #475 |

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

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

---

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