Tonik Bank Philippines - Loan and Review. Lender in Manila

Tonik Bank Philippines

Логотип компании Tonik Bank Philippines

First loan for free

Rating of organization: 4/5, total votes 166.

More info about Tonik Bank Philippines

Name of Organization Tonik Bank
Full Name of Organization Tonik Bank Philippines
Hotline +63253222645

Tonik Bank Philippines - Product Features

Min. financing amount 5000 php
Max. financing amount 50000 php
Max. financing amount 365 days days
Loan tenure 0%
Approval duration Average time from 2 to 12 hours

Fees & Charges

Debt consolidation Information on debt consolidation is not listed on the site. You need to contact representatives of the organization through any source and clarify
Processing fee One-time fee is not charged when making a loan
Stamp duty Stamp duty is not provided in the organization
Annual fee Annual fee ranges from 180% to 365% depending on the percentage under which you borrowed
Other fees Other fees are not listed on the site. However, when applying for a loan, you can include insurance or any other services. For more information, you need to consult with representatives of the organization.


Early settlement Early debt settlement does not charge you extra fees. For more information contact the credit organization.
Late payment charges 6% of overdue amount
Other penalties Not provided

Additional Requirements

Need to bind a bank account No
Other details Payment on the loan occurs through a bank card
Age18+ years
Residencein the Philippines
Email and Phoneonly valid
Not classified under the USA FATCAyes
DocumentsGovernment ID

Tonik Bank Philippines is a fintech company that offers alternative financial services to the Filipino people. It was founded in 2018 with the mission of “empowering Filipinos through innovation and access to financial services”. Tonik Bank has been gaining recognition for its commitment to providing financial solutions to those who are underserved by traditional banks and other financial institutions. The company offers a variety of loan products, such as car loans, home loans, student loans, and business loans. Additionally, Tonik Bank provides personalised consultation and financial planning services that help customers better manage their money.

Best offers

Tonik Bank stands out for its simple and easy-to-use online platform, which makes it possible for customers to access all the financial services they need in one place. Customers can apply for a loan online in just a few minutes, without having to go through lengthy paperwork or long waiting times. Once approved, customers can start using their funds within 24 hours from the time of application – something that many traditional banks cannot do. In addition, Tonik Bank’s customer service is excellent; they provide attentive support via phone or email during office hours (9am-6pm).

The company also offers several features that make managing finances convenient and secure. These include payment reminders via SMS or email, weekly budget summaries delivered straight to your inbox, customisable notifications on account activity such as withdrawals and deposits, real time tracking of expenses with real time spending alerts, auto investments into savings goals like vacations or retirement plans, as well as automatic transfers from salary accounts into savings accounts on payday. These features make Tonik Bank an attractive option for those who want convenience when it comes to managing their finances.

Overall, Tonik Bank Philippines is a great choice if you’re looking for an affordable and reliable alternative bank provider that makes it easier to manage your finances without all the hassle associated with traditional banking services.


  • Loan amount from PHP 5.000 to PHP 50.000
  • Loan period 6,9,12,18,24 months
  • Documents 1 major valid ID
  • Citizenship only Filipino
  • Age 23+ years
  • Payroll card if you want to have lower commission


Tonik Bank Philippines is a leading digital bank in the country, offering an innovative and convenient banking experience to its customers. It provides an array of banking services including deposits, loans, and payments with competitive rates and fees. Customers can also access their accounts through a user-friendly app or online banking platform.

In order to be eligible for Tonik Bank’s services, customers must have a Philippine address, valid identification documents (e.g., passport, driver’s license) and proof of employment or other sources of income. Applicants must also be at least 18 years old or older. Additionally, clients must provide financial information such as bank statements plus additional documents related to the loan application process (if applicable).

The bank also requires customers to open an account by making an initial deposit of PHP 5,000 minimum balance. Depending on the customer’s credit profile and financial history, Tonik may also require additional documents such as tax returns and income records to verify the customer’s identity and assess their capacity to repay any loan applied for.

DocumentsValid ID, Marriage Certificate
Statements and pay slipsFor the last 3 months
Condominium Certificate of TitleScan copy needed
Photos of your condo unitNeeded

How to take a loan in Tonik Bank?

  • Fill in the application for a loan.
  • Confirm the offer. The offer is signed by an SMS code sent to your Get the solution instantly!
  • Transfer money to a bank account or card in one day!

Additional conditions for granting loans:

  • the whole process through the Internet, without leaving home;
  • for Filipino citizens who have reached the age of 21 (majority);
  • the presence of a permanent registration in the territory of the Philippines;

Reasons for a loan denial:

  • Poor credit score
  • You are blacklisted, on debt review or had a judgement against your name
  • You don’t have enough income for the loan you requestedd
  • Poor track record of credit card or loan repayments

Address - Manila

Managing structure Tonik Bank

Founder - Unknown
Co-owner - Unknown
Hi, Im !
I know everything about the Philippines financial market because I have been working in the financial sector for more than five years.

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