You can transfer it out to your desired recipient in Tonik, or to other banks.
No, you have to move your funds from Stash to your Tonik Account first.
GCash has varying transaction limits based on a user's verification level. Check your verification level and its corresponding limits to see if you have already exceeded them.
It’s simple. Go to your Home Screen, select Send -> Other Tonik customer.
You can input the recipient’s account number or mobile phone number.
Remember, the phone number must be your recipient’s registered number in Tonik.
You can see the latest transaction limits here: https://tonikbank.com/fees-and-charges/
It’s 100% free! Spread the good news so you have more friends on Tonik.
Sorry, we do not support this feature at the moment. You can transfer to another local bank in the Philippines and route your international fund transfer from there in the meantime.
Some transactions may not have been posted/settled and therefore are not appearing on your transaction history or in the Statement of Account.
However, if you believe with all your mind and heart that the transaction has been settled/posted but still is not appearing anywhere, please be a darling and contact our Customer Care via in-app Chat or via their hotline at +63 2 5322 2645.
Please contact our Customer Care via in-app Chat or via the hotline at +63 2 5322 2645.
You can see the latest fees here: https://tonikbank.com/fees-and-charges/
You can see the latest transaction limit here: https://tonikbank.com/fees-and-charges/
Starting October 1, 2025, PESONet and Instapay transfers from Tonik to other banks will have a minimal fee of P8 per transaction. This fee only applies to send transactions. No fee in receiving funds, luv!
You can continue sending to other Tonik accounts for free. Payments to merchants and billers via QRPH also remain free of charge.
Transfer fees will start on October 1, 2025. You can enjoy free transfers until September 30, 2025!
We charge a small fee to help keep the service running smoothly and securely. It covers the cost of maintaining reliable transfers for you. We’ve made sure the fee stays as low and fair as possible.
Tonik DOES NOT charge for receiving money from other banks. You may check with your (ex)bank for transfer fees they impose.
The transfer fees would be added on top of your transaction amount. You can send up to P50,000 to other banks via Instapay, and you would be debited P50,008 to include the fee.
To review your send transactions and fees you've paid for each, you may review your Transaction history by logging in to your Tonik app and tapping the History button on the dashboard.
Payments done via Instapay's P2M (Pay to Merchant) and P2B (Pay to Biller) are still free. That means you can shop, dine, and pay your bills free of charge with QRPH participating merchants and billers. Some stores use personal QRs for their transactions -- like when you pay for your coffee and the recipient's name on the QR is a person's name and not the store's name. These count as person-to-person transfers which have a P8 fee.
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Should there be issues with your Instapay and Pesonet transactions, both the transaction amount and the transfer fee would be credited back to your Tonik account. You can review the refund details on the Tonik app's Transaction History dashboard.
