Tonik is the first neobank in the Philippines.
As a neobank, access to our banking products and services is conveniently at the palm of your hands through the Tonik App. We operate on a fully digital platform which means unlike other brick-and-mortar banks, we are not limited within physical branches.
We are supervised by the Bangko Sentral ng Pilipinas (BSP) and your savings with us is insured by the Philippine Deposit Insurance Corporation (PDIC).
Download the Tonik App now!
Deposits are insured by PDIC up to P500,000 per depositor.
You may download the Tonik app from either the Apple App Store or the Google Play Store.
For iPhone users, the minimum supported software system is iOS 10.0.0
For Android users, the minimum supported OS is Android OS 7.0.0
Your mobile phone needs to have a front-facing camera. It is also recommended that your phone has at least 3GB of RAM.
The app needs to access your Location, Contacts List, Camera, and Photos to function properly.
Your location and camera are used for security purposes. Your contacts list is used for selecting fund transfer recipient/s. Your camera and photos are used for account customization
Yes, you need to reinstall the app if you cleared the app cache or stored data.
Any Filipino who is:
1. At least 18 years old
2. Has a residence in the Philippines
3. Has a valid email address
4. Has an active Philippine mobile number
5. Does not classify under the United States FATCA
It's super easy, luv! Just follow these steps:
- Download and install the Tonik App.
- Register by going through our app’s onboarding process.
Once registered, you can enjoy full access to the Tonik App’s products and features. Get ready with your valid government-issued ID!
We ensure that the use of personal information is in compliance with the Data Privacy Act of the Philippines. You may learn more by reading through our Data Privacy Policy Statement.
Your face will be the key to validating your identity and account ownership through our facial recognition security feature. For this very reason, pretty please ensure the following:
Find a well-lit place with a plain background, so that your mobile phone’s camera can accurately scan your face.
Remove anything that may prevent the app from scanning your full face (e.g. mask, hat, or any eyewear)
Directly face the camera and position your head within the purple frame you will see on the screen. You're awesome!
- Philippine Passport
- Philippine Driver’s License
- Unified Multi-Purpose ID (UMID)
- Social Security System (SSS) ID
- Professional Regulation Commission Identification Card (PRC ID)
- Postal ID (card type)
- PhilID (National ID/PhilSys ID)
- ePhilID
You will be logged out automatically when your application has been inactive for five (5) minutes.
If you want to logout completely from your app, you may also press logout.
You may reset your app and password, where you will be required to set up a new password and perform face verification / Face Identity Scan on your next login.
Yes, you can. However, you may only access your Tonik Account from 1 device at any given time.
You can call Tonik Customer Care to have your registered phone number changed.
You should call Tonik Customer Care so we may assist you with your registration.
Yes, for security reasons, you may only access your Tonik App from one (1) device. If you wish to access your account from a different device, you will be prompted to reset your password in the new device.
No, you don’t need to present an ID to open an account. If you do not have any of the accepted IDs at the point of registration, you may still register by skipping the ID upload step.
However, the account created will only have a P50,000 balance limit, P100,000 total aggregate credit limit, and a 12-month validity period. This means that once you hit the balance or total aggregate credit limit, you may not be able to top up, receive money from other people or banks, and unstash your Stash. The said balance limit, total aggregate credit limit, and validity period will only be lifted once you are able to upload one of the accepted IDs via the application.
1. Do not use a camera flash to avoid taking a bright photo.
2. Do not cover any part of your ID.
3. Make sure the whole ID is within the frame.
This is because you have not granted permission for the App to use your phone's Camera. You can go to your phone settings to grant camera permission to the app.
There are 3 ways to login:
- Provide your password
- Fingerprint verification
- Face verification (Face ID)
To activate options 2 and 3, you need to first select your login preference in the User Profile part of the app.
You can configure this setting in User Profile. Simply select Login Options and you’re good to go
You can login using your password in the meantime.
After resetting face ID on your device, reinstall the Tonik App to try again.
Please note that you will once again need to set a new password and perform face ID verification for security purposes.
Clearing the App's data will not result in any critical issues. It will, however reset your Tonik App, and you will be required to authenticate again by:
1. Validating your mobile number through an OTP
2. Doing a Face Identity Scan
3. Resetting your password
For your account security, the App stores data on your device. Clearing the data removes this information and re-authentication is required to restore account security.
You may do so in the User Profile section of the app. Keep in mind that the photo you upload will be visible to other Tonik customers when you transfer money to them or contribute as a member of a Group Stash.
We have measeres (policies and procedures, IT security, etc.) in place that ensures the confidentiality and integrity of your personal data and how they are processed. Our internal policies are also kept up to date with regulations and market developments.
We also ensure that the use of personal information complies with the Data Privacy Act of the Philippines. You may learn more by reading through our Data Privacy Policy Statement.
Hey, luv! We will retain your Data for the following periods in accordance and consistent with the BSP Regulations:
Retention period for transaction records shall be five (5) years from the date of transaction except where specific laws and/or regulations require a different retention period, in which case, the longer retention period is observed.
For financial data and documents which indicate taxable transactions, data shall be preserved for ten (10) years per BIR Regulation.
After the expiration of the imposed retention period as abovementioned, we will either:
securely and permanently delete or destroy the relevant personal data; or
anonymize or de-identify them.
We ensure that the use of personal information is in compliance with the Data Privacy Act of the Philippines. You may learn more by reading through our Data Privacy Policy Statement.
Hey, luv! We will retain your Data for the following periods in accordance and consistent with the BSP Regulations:
Retention period for transaction records shall be five (5) years from the date of transaction except where specific laws and/or regulations require a different retention period, in which case, the longer retention period is observed.
For financial data and documents which indicate taxable transactions, data shall be preserved for ten (10) years per BIR Regulation.
After the expiration of the imposed retention period as abovementioned, we will either:
securely and permanently delete or destroy the relevant personal data; or
anonymize or de-identify them.
We ensure that the use of personal information is in compliance with the Data Privacy Act of the Philippines. You may learn more by reading through our Data Privacy Policy Statement.
