1. FAQs
  2. Cash-ins/Deposit

There are 3 ways to deposit money to your Tonik Account:

  • Through PESONet, check your bank's mobile app if Tonik DIgital Bank, Inc. is already listed.
  • Through InstaPay, we may be listed as Tonik Bank, Tonik Digital Bank, TDB, or Tonik on your bank's InstaPay list.
  • From your local bank’s debit card

You have to first deposit/cash-in to your Tonik Account. You can easily set aside cash into your Stash with funds from your Tonik Account.

Some transactions may not have been posted/settled and therefore are not appearing on your transaction history or in the Statement of Account.

However, if you believe with all your mind and heart that the transaction has been settled/posted but still is not appearing anywhere, please be a darling and contact our Customer Care via in-app Chat or via their hotline at +63 2 5322 2645.

If you see the following address:
605B West Wing, 6/F West Wing
Pasig City
NCR 1470 PH
Do not worry, it is Tonik's office address. We are using our office address for billing information for all transactions.

Go to Top-up. Then, select Debit Card.

Input your desired top-up amount, your debit card details and perform the required authorization. Check with your bank to know how much you can use for e-commerce transactions.

Once you see a success screen, your money will be added to your account.

Please contact us through the chat feature in the Tonik App, or contact our customer care hotline at  +63 2 5322 2645.

Oops, no you can't at this moment, sweetie. We'll surely let you know once the we have the capability to do so. Please be a darling and look out for our updates.

Oops, no you can't at this moment, sweetie. We'll surely let you know once we have the capability to do so. Please be a darling and look out for our updates.

Log in to your bank's mobile or web app.

Search for your bank's fund transfer module and select PESONet as the preferred mode of payment.

Enter Tonik Digital Bank as the Beneficiary Bank and other required Tonik account details and information. Perform the required authorization, if any.

Check your source bank's cut-off time for same-day credit.

 

Here are the step-by-step PESONet fund transfer instructions of selected local banks:

AUB to Tonik  

Step 1. Log in to the AUB website or mobile app. 

Step 2. Under Fund Transfer, Select PESONet. 

Step 3. Select AUB source account 

Step 4. Select Tonik Digital Bank as the Recipient Bank, input the transfer amount and your 14-digit Tonik account number and enter other necessary details of your Tonik account. 

Step 5. Review transaction summary then click Confirm to proceed. 

 

BOC to Tonik 

Step 1. Log in to your BOC  mobile app. 

Step 2. On the upper right portion, click the menu icon and select Fund Transfer. Select Other Bank 

Step 3. Click on PESONet as the preferred mode of transfer.  

Step 4. Select Tonik Digital Bank as the beneficiary bank.  

Step 5. Select BOC source account 

Step 6. Enter your 14-digit Tonik account number and fill in the other necessary Tonik account details. 

Step 6. Review your transaction and tap Submit. 

Step 7. Perform the required authorization, if any. 

 

CIMB to Tonik 

Step 1. Log in to the CIMB mobile app. 

Step 2. Under Transfer, select To other banks and choose PESONet 

Step 3.  Select the CIMB source account  

Step 4. Select Tonik Digital Bank as the Recipient Bank, input the transfer amount and your 14-digit Tonik account number, and enter other necessary details of your Tonik account. 

Step 5. Review the transaction summary then click Confirm to proceed.  

Step 6. Perform the required authorization, if any. 

 

Eastwest Bank to Tonik 

Step 1. Log in to your East-West mobile app. 

Step 2. On the upper right portion, click the menu icon and select Send Money. 

Step 3. Select New Payee and choose Tonik Digital Bank under Bank. 

Step 4. Select the Beneficiary type (Registered Payee or One Time Payment) & Payment option (Local Bank). 

Step 5. Enter your 14-digit Tonik account number, select Tonik Digital Bank as the beneficiary bank, and fill in the other necessary account details. 

Step 6. Select PESONet as the mode of transfer. 

Step 7. Review your transaction and tap *Confirm.  

*You may be asked to answer a security question for one-time payments. 

  

ING to Tonik 

 Step 1. Log in to the ING mobile app. 

Step 2. From your Pay Account dashboard, tap Transfer/Pay. 

Step 3.  Select Transfer Money. After taking note of the transfer guidelines, tap Next then Start Transfer. 

Step 4. Provide the needed fund transfer details such as Tonik Digital Bank as the recipient bank, the transfer amount, and your 14-digit Tonik account number. 

Step 5. Select PESONet and continue by tapping Transfer 

 Step 6. Perform the required authorization, if any. 

 

Landbank to Tonik 

Step 1. Log in to the iAccess web app. 

Step 2. On the right side bar under Features, select Fund Transfer. 

Step 3.  Tick the Landbank account from where the fund transfer will originate. 

Step 4. Select Transfer to Other Banks for one-time transfers and click on PESONet.  

Step 5. Enter the transfer amount and other details such as Tonik Digital Bank as the recipient bank and your 14-digit Tonik account number. 

Step 5. Choose Transfer Immediately under Transfer Type 

 Step 6. Select between SMS or Email as your OTP Sending Option 

 Step 7. Review the transaction summary and perform the required authorization  

 Step 8. Tap Confirm to proceed 

 

Metrobank to Tonik 

Step 1. Log in to the Metrobank app. 

Step 2. Under the Profile icon on the top left corner, click Transfer to Other Bank and select PESONet. 

Step 3. Click Transfer for one-time transfers. Select Tonik Digital Bank and enter your 14-digit Tonik account number, account name, address, and e-mail address or mobile number.  

Step 4. Key in the Purpose of your transfer and click Next 

Step 4. Select the Metrobank account from where the fund transfer will originate. 

Step 5. Enter Amount then click Next. 

Step 6. Review the transaction summary and tap Submit to confirm. 

Step 7. Perform the required authorization, if any  

 

PNB to Tonik 

Step 1. Log in to your PNB Mobile Banking app and select Transfer Funds on the side menu. 

Step 2. Tap Other Local Banks – PESONet and choose the source account. 

Step 3. Select New Payee and choose Tonik Digital Bank under Bank. 

Step 4. Enter your name under Tonik account name, your 14-digit Tonik account number under A/C Number, your home address, and desired transfer amount. 

Step 5. Enable Save Payee to List 

Step 6. Review the details you entered and tap Done 

Step 7. Perform the required authorization, if any. 

 

PSBank to Tonik 

Step 1. Log in to PSBank Online. 

Step 2. Click on Fund Transfer. 

Step 3. Select the source account. 

Step 4. Choose target account. 

Step 5. If your Tonik account is already enrolled, select it from the To Enrolled Other Bank Account dropdown list. For one-time transfers, select To Unenrolled Other Bank Account and fill in all mandatory information of your Tonik account. 

Step 6. Indicate the amount you wish to transfer and select PESONet 

Step 7. Review transaction details and click Submit 

Step 8. Perform required *authorization, if any. 

*For enrolled other bank accounts, a password will be required. For unenrolled other bank accounts, password and OTP entry will be required to process the transaction. 

 

RCBC to Tonik 

Step 1: Log in to the RCBC mobile app 

Step 2: Tap the menu icon on the upper right corner and click Fund Transfer. Choose Bank Transfer 

Step 3. Select the source account. 

Step 4: Click on Select Beneficiary and select Tonik Digital Bank 

Step 5: Enter your 14-digit Tonik account number and other Tonik account details. Tap Proceed 

Step 6: Select PESONet as the Transfer Channel and input the transfer amount. Click Transfer Now. 

Step 7: Review the information entered and tap Proceed to confirm fund transfer 

Step 8: Perform the required authorization, if any.  

 

Robinsons Bank to Tonik 

Step 1: Log in to your Personal Online Banking (POB) account and access Direct2Bank from the menu 

Step 2: Choose PESONet as the preferred transfer facility 

Step 3: Enter Tonik Digital Bank as the Beneficiary Bank and other required Tonik account details and information.  

Step 4: Select the source account from where the transfer will originate. Click on Submit. 

Step 5: Check the information entered and tap Confirm to proceed 

Step 6: Perform the required authorization, if any. 

 

UCPB to Tonik 

Step 1: Log in to UCPB Connect or mobile app 

Step 2: Go to Transfer Funds, then click on Transfer to Other Banks 

Step 3: Select PESONet 

Step 4: Review the transaction details 

Step 5: Perform the required authorization, if any. 

You might have registered a different mobile number with Tonik.

Double-check the mobile number registered in your Online Banking app for the OTP.

Direct CGcash pull is currently disabled. Top up using GCash via our recommended channels. ​

​Go to Top up and click on any of the recommended payment channels we recommend below.​

 

Recommended channels:​​

  1. InstaPay via GCash - Php 15 fee

  2. InstaPay via other banks - Fee varies according to institution​

  3. PESONet via other banks (No PESONet via GCash) - Fee varies according to institution​

  4. BPI or UBP pull - Php 30 fee​

  5. Linked card/one time card top up - 2.5% of top up amount​

  6. OTC channels - Php 30 fee​​

 

To cash-in from GCash to Tonik via InstaPay, here's how:

  1. Go to your GCash App and select 'Bank Transfer'

  2. Click on 'view all' and search for Tonik

  3. Enter the amount to be transferred (maximum of P50,000)

  4. To copy and paste your Tonik Account details, go to your Tonik App > Top Up > PESONet or InstaPay. Copy your Account Name and Account Number

  5. Paste Tonik Account Name and Account Details into your GCash App

  6. Click 'Send Money to proceed. 

 

FYI: Debit card top-ups have a maximum amount of ₱250,000. Please wait for an update on when this maximum transaction amount will be lifted. Check out the latest fees and charges here.

Banks have different daily transfer and transaction limits. Here are the e-commerce limits we have gathered from *local banks.

  1. AUB - Hello Money (prepaid card) - 50,000

                 Hello Money with soft token - 100,000

  1. BDO – Up to 200,000
  2. BOC – Regular – 20,000

                  Priority Access – 50,000

  1. BPI – 20,000
  2. Chinabank – 100 to 50,000
  3. CIMB – 100,000
  4. Citibank – 100,000
  5. CTBC – 50,000
  6. DBP – Default limit at 0
  7. Eastwest Bank – 50,000
  8. EON – EON Light – 100,000

                  EON Plus – 500,000

                  EON Pro – 1,000,000

  1. HSBC – 3,000,000
  2. ING – 50,000
  3. KOMO – 100,000
  4. Landbank – 100,000
  5. Maybank – 30,000
  6. Metrobank – 30,000
  7. PBCom – 1,000
  8. Philippine Veterans Bank – No limit
  9. PNB – 50,000
  10. PSBank – 25,000
  11. RCBC – 25,000
  12. Robinsons Bank – 50,000
  13. Security Bank – 100,000
  14. Unionbank – 500,000

 

*As of January 31, 2021

 

If your bank is not listed above, you can contact them directly to confirm their limits. It’s also best to check the actual available amount you can still transfer before performing a cash-in. 

You can see the latest e-commerce limits here: https://tonikbank.com/fees-and-charges/
 

Some debit cards have a preset that prohibits e-commerce/online transactions.

You may need to change the setting of your debit card to enable online or e-commerce transactions. Contact your (ex)bank to find out how to do this.

 

You can see the latest fees here: https://tonikbank.com/fees-and-charges/

You can see the latest transaction limits here: https://tonikbank.com/fees-and-charges