TONIKUpdated Jul 27, 2026
Tonik Bank
Tonik is the Philippines' first licensed neobank, offering market-leading interest rates of up to 6% on deposits through its Stash and Time Deposit products. With a fully app-based experience and no maintaining balance, it's purpose-built for high-yield digital saving.
Interest rateUp to 4.5% p.a.
Minimum balance₱0
Transfer feeFrom ₱8
AccessMobile app
Everything important, in one place.
Overview
- Provider
- Tonik Bank
- Best for
- Time Deposit
Interest rate
- Published sample rate
- Up to 4.5% p.a.
Maintaining balance
- Minimum balance
- ₱0
Deposit and withdrawal access
- Access
- Mobile app
Transfer fees
- Transfer fee
- From ₱8
Account features
- Key feature
- Fixed term deposit products
- QR Code Payments
- Scan QR codes for payments
- Bank Transfers
- Domestic and international transfers