Hi there, luv! InstaPay is another electronic funds transfer service that facilitates inter-financial institution cash transfers.
Processing of transfers is 24/7 and the crediting of funds is real-time. The maximum transfer amount is Php 50,000. XOXO
Hi there, luv! From the dashboard, go to Top Up > choose PESONet or InstaPay.
Copy your Tonik account details into your clipboard.
Launch your (ex)bank’s mobile app or online banking website > Paste your Tonik account details > enter the transfer amount, and other required transaction details > Perform the required authorization.
The crediting of the transfer should be close to real-time, hun! XOXO
Hi there, luv! The minimum transfer amount varies from bank to bank. It's best to check with your (ex)bank to ask about their daily transfer limits.
The maximum transfer amount is Php 50,000 per transaction. This is applicable to all financial institutions with InstaPay in their payments rail. XOXO
Hi there, luv! The maximum transaction count and daily cumulative limit vary from bank to bank. Please check with your (ex)bank to avoid unsuccessful transactions, hun! XOXO
Hi there, luv! We may be listed as Tonik Bank, Tonik Digital Bank, TDB, or Tonik in your bank's InstaPay list. XOXO
Hi there, luv! It takes a while for participating financial institutions to add new banks or e-money issuers to their InstaPay bank list.
We're working on expediting the availability of Tonik Digital Bank in your bank's list with the help of Bancnet. Could you let us know which financial institution this is, hun? Super thanks for your patience. XOXO
Hi there, luv! For the complete list of InstaPay participant banks and electronic money issuers, visit BSP - InstaPay Participants.
You can also top up via PESONet, our online direct channels (BPI and UnionBank), and over-the-counter channels. XOXO
Hi there, luv! Fund transfer fees vary from bank to bank. Please check with your (ex)bank if they charge a fee for InstaPay fund transfers.
Tonik will not charge an additional fee for receiving transfers via InstaPay. XOXO
Hi there, luv! To process fund transfers, source banks would require your Tonik Account details.
You may find these in the Account Information section of your Tonik App. To reduce encoding errors, just click on the copy icon beside your account details (yes, it is the two overlapping squares on the right!) and paste it directly to your (ex)bank’s mobile or web app.
Make sure it’s your 14-digit account number you’re copying and not your Tonik virtual or physical card number. Consistent with our 6% interest p.a. offering, Tonik account numbers also start with a 6! XOXO
Hi there, luv. Some of the reasons below may explain this:
a. You may have entered an invalid Tonik account number.
Make sure it is the 14-digit account number found in your profile. To avoid encoding errors, just copy the account number by clicking on the icon beside it.
You cannot transfer to closed, dormant, or blocked Tonik accounts via InstaPay as well.
b. You keyed in account information that does not match any active Tonik account.
c. The account’s currency is anything but Peso.
InstaPay is available only for fund transfers between Philippine Peso accounts of participating banks and electronic money issuers in the country.
If you believe you didn't make any of the above mistakes and still cannot top-up via InstaPay, please reach out to our Customer Care team. Thank you for your patience. XOXO
Hi there, luv! All InstaPay transactions are considered final and can no longer be cancelled if a valid Tonik account number other than the recipient’s was provided.
If it happens to you, immediately report this to any of our Customer Care channels below.
There is no guarantee of recovering the funds, but we will exert utmost diligence and effort to recoup the transfer amount. Thank you for your patience. XOXO
Hi there, luv! The transfer amount net of service fees, if any, will be credited back to Tonik as soon as we have validated your transaction.
This usually takes 2 to 3 business days to process your refund. Thank you for your patience. XOXO
Hi there, luv! Just go to Send on your App dashboard > select "To other banks".
Change the channel to InstaPay and input your desired cash-out amount, transfer purpose, beneficiary account details, and perform the required authorization.
Review the account number you're sending money to before confirming the transfer.
The crediting of the transfer to the beneficiary bank is close to real-time.
XOXO
You can see the latest transaction limits in the link below. XOXO
Your InstaPay transfer fee is on Tonik. Yes, hun, it's free! XOXO
Hi there, luv! If the account number is valid, we suggest you to contact the beneficiary or receiving bank to report the erroneous transfer.
We do not refund successful transfers wrongly made to valid accounts.
Please make sure you input the correct account number before proceeding with keying in of your transaction OTP. Super appreciate your understanding, hun! XOXO
Hi there, luv! It's best to report this immediately to our Customer Care team.
For valid refunds, the money will be credited back to the customer's TSA within 1 to 3 business days. XOXO
Hi there, luv! Your account is still secure.
We just needed to do a hard reset on our system to enable our direct connectivity to Bancnet. You may re-enroll your frequently used beneficiaries again once you have updated your app to the latest version. XOXO
Please contact us through the chat feature in the Tonik App, or contact our Customer Care hotline at +63 2 5322 2645. We will confirm the status of your cash out with InstaPay.
PESONet is an electronic funds transfer service that facilitates inter-bank cash transfers. It supports non-time sensitive payments, whether bulk, recurring, or one-time in occurrence.
As of August 31, 2021, PESONet has a total of 87 participating banks and electronic money issuers. These organizations can send and/or receive fund transfers between their customers’ accounts.
April 15, 2021 was our debut. Count us as participant number 78, a lucky number.
For the complete list of participant banks and electronic money issuers, visit PESONet Participants here:
https://www.bsp.gov.ph/PaymentAndSettlement/PESONet%20Participants.pdf.
Fund transfer fees vary from bank to bank. Please check with your issuing bank if they charge a fee for PESONet fund transfers.
Tonik will not charge additional fees for receiving transfers via PESONet. XOXO
It will depend on the limits set by your issuing bank. You may contact your bank to ask about their daily transfer limits.
Take note of both the per transaction limit and daily transaction limit. Some banks have set a minimum transfer amount as well.
To process fund transfers, source banks would require your Tonik Account details.
You may find these in the Account Information section of your Tonik App. To reduce encoding errors, just click on the copy icon beside your account details (yes, it is the two overlapping squares on the right!) and paste it directly to your (ex)bank’s mobile or web app.
Make sure it’s your 14-digit account number you’re copying and not your Tonik virtual or physical card number. Consistent with our 6% interest offering, Tonik account numbers also start with a 6!
PESONet processes fund transfers in batches. Most participant banks and e-wallets implement a cut-off time between 12PM to 4PM for same-day crediting. It is still best to check with your (ex)bank what their cut-off time is before doing a fund transfer via PESONet.
If you were able to transfer funds within your (ex)bank's cut-off, the transferred amount will be credited to your Tonik Account after 6:30PM of the same day.
a. You entered an invalid Tonik account number.
Make sure it is the 14-digit account number found in your profile. To avoid encoding errors, just copy the account number by clicking on the icon beside it.
You cannot transfer to closed, dormant, or blocked Tonik accounts via PESONet as well.
b. You keyed in account information that does not match any active Tonik account.
c. Remember, no pet names allowed! Yes, it includes ‘luv’.
d. The account’s currency is anything but Peso
PESONet is available only for fund transfers between Philippine Peso accounts of participating banks and electronic money issuers in the country.
e. The transaction is suspicious based on Anti-Money Laundering criteria.
We’ll gladly return your money back to your (ex)bank.
All PESONet transactions are considered final and can no longer be cancelled if a valid Tonik account number other than the recipient’s was provided.
If it happens to you, immediately report it to any of our Customer Care channels.
There is no guarantee of recovering the funds, but we will exert utmost diligence and effort to recoup the transfer amount.
The transfer amount net of service fees, if any, will be credited back to your source bank as soon as we have returned the funds to them.
Give it 2 to 3 business days for your source bank to process your refund.
We have compiled a list of step-by-step guides on how to transfer funds from your (ex)bank to your Tonik account.
AUB to Tonik
Step 1. Log in to the AUB website or mobile app.
Step 2. Under Fund Transfer, Select PESONet.
Step 3. Select AUB source account
Step 4. Select Tonik Digital Bank as the Recipient Bank, input the transfer amount and your 14-digit Tonik account number, and enter other necessary details of your Tonik account.
Step 5. Review transaction summary then click Confirm to proceed.
BOC to Tonik
Step 1. Log in to your BOC mobile app.
Step 2. On the upper right portion, click the menu icon and select Fund Transfer. Select Other Bank
Step 3. Click on PESONet as the preferred mode of transfer.
Step 4. Select Tonik Digital Bank as the beneficiary bank.
Step 5. Select BOC source account
Step 6. Enter your 14-digit Tonik account number and fill in the other necessary Tonik account details.
Step 7. Review your transaction and tap Submit.
Step 8. Perform the required authorization, if any.
CIMB to Tonik
Step 1. Log in to the CIMB mobile app.
Step 2. Under Transfer, select To other banks and choose PESONet
Step 3. Select the CIMB source account
Step 4. Select Tonik Digital Bank as the Recipient Bank, input the transfer amount and your 14-digit Tonik account number, and enter other necessary details of your Tonik account.
Step 5. Review the transaction summary then click Confirm to proceed.
Step 6. Perform the required authorization, if any.
Eastwest Bank to Tonik
Step 1. Log in to your East West mobile app.
Step 2. On the upper right portion, click the menu icon and select Send Money.
Step 3. Select New Payee and choose Tonik Digital Bank under Bank.
Step 4. Select Beneficiary type (Registered Payee or One Time Payment) & Payment option (Local Bank).
Step 5. Enter your 14-digit Tonik account number, select Tonik Digital Bank as the beneficiary bank, and fill in the other necessary account details.
Step 6. Select PESONet as the mode of transfer.
Step 7. Review your transaction and tap *Confirm.
*You may be asked to answer a security question for one-time payments.
ING to Tonik
Step 1. Log in to the ING mobile app.
Step 2. From your Pay Account dashboard, tap Transfer/Pay.
Step 3. Select Transfer Money. After taking note of the transfer guidelines, tap Next then Start Transfer.
Step 4. Provide the needed fund transfer details such as Tonik Digital Bank as the recipient bank, the transfer amount, and your 14-digit Tonik account number.
Step 5. Select PESONet and continue by tapping Transfer
Step 6. Perform the required authorization, if any.
Landbank to Tonik
Step 1. Log in to the iAccess web app.
Step 2. On the right side bar under Features, select Fund Transfer.
Step 3. Tick the Landbank account from where the fund transfer will originate.
Step 4. Select Transfer to Other Banks for one-time transfers and click on PESONet.
Step 5. Enter the transfer amount and other details such as Tonik Digital Bank as the recipient bank and your 14-digit Tonik account number.
Step 6. Choose Transfer Immediately under Transfer Type
Step 7. Select between SMS or Email as your OTP Sending Option
Step 8. Review the transaction summary and perform the required authorization
Step 9. Tap Confirm to proceed
Metrobank to Tonik
Step 1. Log in to the Metrobank app.
Step 2. Under the Profile icon on the top left corner, click Transfer to Other Bank and select PESONet.
Step 3. Click Transfer for one-time transfers. Select Tonik Digital Bank and enter your 14-digit Tonik account number, account name, address, and e-mail address or mobile number.
Step 4. Key in the Purpose of your transfer and click Next
Step 5. Select the Metrobank account from where the fund transfer will originate.
Step 6. Enter Amount then click Next.
Step 7. Review the transaction summary and tap Submit to confirm.
Step 8. Perform the required authorization, if any
PNB to Tonik
Step 1. Log in to your PNB Mobile Banking app and select Transfer Funds on the side menu.
Step 2. Tap Other Local Banks – PESONet and choose the source account.
Step 3. Select New Payee and choose Tonik Digital Bank under Bank.
Step 4. Enter your name under Tonik account name, your 14-digit Tonik account number under A/C Number, your home address, and desired transfer amount.
Step 5. Enable Save Payee to List
Step 6. Review the details you entered and tap Done
Step 7. Perform the required authorization, if any.
PSBank to Tonik
Step 1. Log in to PSBank Online.
Step 2. Click on Fund Transfer.
Step 3. Select the source account.
Step 4. Choose target account.
Step 5. If your Tonik account is already enrolled, select it from the To Enrolled Other Bank Account dropdown list. For one-time transfers, select To Unenrolled Other Bank Account and
fill in all mandatory information of your Tonik account.
Step 6. Indicate the amount you wish to transfer and select PESONet
Step 7. Review transaction details and click Submit
Step 8. Perform required *authorization, if any.
*For enrolled other bank accounts, a password will be required. For unenrolled other bank accounts, password and OTP entry will be required to process the transaction.
RCBC to Tonik
Step 1: Log in to the RCBC mobile app
Step 2: Tap the menu icon on the upper right corner and click Fund Transfer. Choose Bank Transfer
Step 3. Select the source account.
Step 4: Click on Select Beneficiary and select Tonik Digital Bank
Step 5: Enter you 14-digit Tonik account number and other Tonik account details. Tap Proceed
Step 6: Select PESONet as the Transfer Channel and input the transfer amount. Click Transfer Now.
Step 7: Review the information entered and tap Proceed to confirm fund transfer
Step 8: Perform the required authorization, if any.
Robinsons Bank to Tonik
Step 1: Log in to your Personal Online Banking (POB) account and access Direct2Bank from the menu
Step 2: Choose PESONet as the preferred transfer facility
Step 3: Enter Tonik Digital Bank as the Beneficiary Bank and other required Tonik account
details and information.
Step 4: Select the source account from where the transfer will originate. Click on Submit.
Step 5: Check the information entered and tap Confirm to proceed
Step 6: Perform the required authorization, if any.
UCPB to Tonik
Step 1: Log in to UCPB Connect or mobile app
Step 2: Go to Transfer Funds, then click on Transfer to Other Banks
Step 3: Select PESONet
Step 4: Review the transaction details
Step 5: Perform the required authorization, if any.
Unionbank to Tonik
Step 1. Log in to the UnionBank mobile app.
Step 2. On the lower left portion of the dashboard, tap Send/Receive.
Step 3. Select Other Banks & E-Wallets and choose PESONet
Step 4. Select Tonik Digital Bank as the recipient bank, enter your 14-digit Tonik account number and your account name.
Step 5. Tap Next and input the amount. You may schedule a future transfer by changing the transfer date on the same screen.
Step 6. Identify the purpose of the transfer and click Next
Step 7. Review the transaction summary and tap Transfer
Step 8. Perform the required authorization, if any.
The following financial institutions have listed Tonik Digital Bank as a PESONet *beneficiary/receiving bank:
1. ING
2. CIMB
3. Landbank
4. Metrobank
5. PSBank
6. Robinsons Bank
7. PNB
8. AUB
9. Chinabank (transfer must be more than 50,000)
10. Bank of Commerce
11. UCPB
12. Philtrust (OTC only)
13. Security Bank (OTC only)
14. Citibank
*List of banks is as of August 31, 2021
Go to Send Money Options -> PESONet
Input your desired cash-out amount, transfer purpose, beneficiary account details and perform the required authorization.
Make sure that the account number you're sending money to is correct before confirming the transfer.
The crediting of the transfer to the beneficiary bank is not real-time, it may take 1 to 2 business days.
Tonik will process transfers made before 4PM within the same business day.
If the transfer was made after the 4PM cut-off or on a holiday, the transaction will be processed on the next business day.
For transfers made after 4PM on Fridays and during weekends, Tonik will process these on the next Monday, granted it's not a holiday
Successful transfers will be credited between 1 to 2 days if they were made within the cut-off. On the other hand, it may take 3 to 4 days for transfers made on weekends and holidays.
You can transfer any amount between Php 1 to Php 250,000 per transaction.
Please check with your chosen beneficiary bank if they have a receiving limit to prevent unsuccessful transactions and crediting delays.
If the account number is valid, we suggest you to contact the beneficiary bank to report the erroneous transfer.
We do not refund successful transfers wrongly made to valid accounts.
It's best to report this immediately to Customer Care.
Tonik will have to validate the status of the transfer with PESONet before we can make any account adjustments, if any.
For valid refunds, the money will be credited back to customer's TSA within 3 to 5 business days.
