They come as a pair, luv. Missions are little challenges in your Tonik app, picked just for you — complete one and you earn a Regalo, our way of saying thanks for the smart money moves you're already making. Regalos are those rewards: things like fee waivers, discounts, or cashback, and most apply automatically when you make an eligible transaction. No coupons, no codes, no drama.

Nope. If you have active Missions, they'll show up right on your Tonik dashboard. No sign-ups, no forms — just open the app and see what's waiting for you.

Missions are personalized, so not everyone has one at the same time. If there's nothing there today, don't worry, luv — check back later. New ones can appear as you keep using your Tonik account.

Not necessarily. Missions and their rewards are tailored to you based on how you use your account. You and a friend might have a similar Mission but earn different reward types or values — that's just us keeping it personal.

Tap any Mission tile to open its details. You'll find what the Mission is about, the steps to finish it, how your reward will be given, and the deadline — all in one spot. Just keep doing your thing until it's done.

Congrats, luv! Your Regalo is awarded automatically — no need to claim it manually. It'll appear in your Regalos section, ready for you.

All your earned Regalos live in the Regalos section on your dashboard. Tap 'See all' to open the full list. Available ones sit right up top, so you always know what you've got to use.

Barely any effort needed. For fee waivers and discounts, just make an eligible transaction — the Regalo is applied automatically, and you'll see it before you confirm. For cashback, the amount is credited straight to your Tonik savings account.

It's credited straight to your Tonik savings account, though it may take a few days to land. Once it's in, you'll get a notification and spot a matching entry in your Regalos list and in your transaction history. No action needed on your end — just sit tight. 

For fee waivers and discounts, you'll see it in the transaction summary before you confirm — the original amount shown with a strikethrough and the new, lower amount beside it. For cashback, you can check your Regalos list or look for a Regalo cashback credit entry in your transaction history.

One Regalo per transaction, luv. If you have more than one of the same type, no stress — the one expiring soonest is used first, and the rest stay safe in your wallet for next time.

Some do. Free transfers and discounts come with a validity date, shown right on the tile, so use them before they lapse. Cashback doesn't expire — it's credited to you automatically. And if a transaction fails or you cancel before confirming, nothing's lost — your Regalo stays available for next time. It's only used once a transaction goes through successfully.

First, check your Regalos list. If it was a cashback reward, it may still be processing — give it a little time to be credited. Still can't find it? Reach out to our support team through the app and we'll sort it out.

Absolutely. The Missions and Regalos program is built to grow — new Mission types and reward options can roll out over time, so there's always something to look forward to. Stay tuned!

Hang tight, luv — your progress updates the next day, so give it until then to catch up. If it still looks off after that, reach out to our support team through the app and we'll take a look.

No, luv. Missions and Regalos are assigned automatically and personalized to how you use your account, so they can't be added on request. Just keep using your Tonik app and new ones can appear over time.