| Deposit Channels | Transaction Fee (in PHP) | Max. Amount / Transaction1 (in PHP) |
|---|---|---|
| InstaPay1 | varies depending on sending bank | varies depending on sending bank |
| PESONet1 | varies depending on sending bank | varies depending on sending bank |
| Gcash | 30 | 95,000 |
| BPI | 30 | 50,000 (daily limit) |
| Unionbank | 30 | 100,000 (daily limit) |
| Chinabank | 30 | 45,000 (daily limit) |
| RCBC | 30 | 45,000 (daily limit) |
1. Maximum amount / transaction is subject to Tonik Account balance limit.
Please note: Other banks may charge additional fees for transfers via InstaPay and PESONet. Please check with your other banks.
| Withdrawal Channels | Transaction Fee (in PHP)2 | Max. Amount / Transaction (in PHP) |
|---|---|---|
| Other Tonik Account | FREE | 1,000,000.003 |
| PESONet | FREE | 250,000.003 |
| InstaPay | FREE | 50,000.00 |
| Mastercard ATMs (local) | 250.004 | varies depending on the acquiring bank up to 50,000 daily |
2. Withdrawal fee is waived for loan withdrawal.
3. Subject to a maximum balance limit of recipient’s account or fund availability.
4. ATM access fee is set by the acquiring bank.
Please note: Some banks may charge additional access fees, which are not in our control, and are non-refundable by us. Before using an ATM, we recommend checking the policy of the ATM owner on access fees.
| Card Payments Transaction Limit | Daily Transaction Limit (in PHP) |
|---|---|
| Virtual Debit Card (for account before submission of ID) | 50,000.00 |
| Virtual Debit Card (for account after Submission of ID) | 250,000.00 |
| Physical Debit Card | 450,000.00 |
| Account Related Charges | Charges (in PHP) |
|---|---|
| Monthly charge for falling below the required ADB | waived |
| Monthly account maintenance charge | waived |
| Monthly dormancy charge | waived |
| Account closure charge | waived |
| Request for a Bank Certificate | waived |
| Debit card issuance charge | 300.00 |
| Debit card replacement charge | 300.00 |
