Tonik is a BSP-licensed digital bank in the Philippines, built to help you save more, borrow smarter, and bank entirely from your phone. Open an account in minutes with just one valid ID — no long forms, no branch visits, and no credit history to get started. Your deposits are insured by PDIC up to ₱1,000,000, so your money stays protected while it grows. WHY CHOOSE TONIK • Up to 5% p.a. on time deposits — among the highest rates in the Philippines. • Up to 5% p.a. on savings, with no minimum balance and no maintaining fees. • Fast loans with approval in minutes, no collateral, and no credit history. • A full digital bank: debit card, bills payment, and instant transfers in one app. • BSP-licensed and PDIC-insured up to ₱1,000,000. GROW YOUR MONEY — HIGH-INTEREST SAVINGS & TIME DEPOSITS Open a high-interest savings account and earn up to 1% p.a., credited regularly, with no minimum balance and no maintaining fees. Want your money to work even harder? Lock in a time deposi...