		Rating
Philippines	97%27,803	4.57
United Arab Emirates	145	4.46
Japan	99	4.54
Saudi Arabia	90	4.57
Singapore	71	4.46
Taiwan	64	4.52
Qatar	46	4.41
Canada	41	4.61
Australia	37	3.89
India	34	3.50

Description

Meet your perfect match for instant loans and high-interest savings

We're Tonik, the Philippines' first neobank proudly licensed by the Bangko Sentral ng Pilipinas. What's a neobank? Think 0% boring, 100% digital. Build your credit in just a few taps but with a whole lot of love.

Why fall in love with Tonik?

No long lines, no stress. Open an account, get quick loans, and grow your money all in one secure app. Just prepare one valid ID and you're ready to go!

Start with Credit Builder Loan

Whether you need quick cash or wanna boost your credit profile, our loan products got your back. Apply for Credit Builder Loan to build your credit history and start unlocking 'em sweet opportunities! No long forms, no hidden catches.

More benefits you'll love:

Instant approval + real-time disbursement

No credit history or collateral needed

Just 1 valid ID + a Tonik Account to apply

Flexible due dates to match payday

6, 9, or 12 month payment terms

No pre-termination fees

Easy repayment options in-app

High-Interest Savings

Wanna save your money short-term or long-term? We got 'em solo or group stashes and time deposits with different terms. Have it any way you want, babe. All high returns. All for you.

200% committed to you with 24/7 customer support

Make your money move anytime, anywhere. Get dedicated customer (tender, love, and) care 24/7. Your dreams don't sleep, so neither do we.

Download Tonik now—start building credit fast, keep falling in love hard.

Cause we keep it fast, simple, and rewarding. Just the way you like it.

Last collected from the App Store on 7 Sept 2026