What do our security features mean?
Lock card feature

Block online payments and transactions using this card to prevent unauthorized usage.

Limits management

Select your desired maximum spend every single day.

Face ID

Secure your app and lock it from unwanted access. 

Easy reissuance of virtual card whenever needed

When initial card is blocked to prevent unauthorized transactions.

Automated fraud monitoring and control

To ensure security of your Tonik account.

How to Onboard on Your Tonik App

For iPhone users, the minimum supported software system is iOS 13.4
For Android users, the minimum supported OS is Android OS version 9.0.0
Your phone needs to have a front-facing camera. It is also recommended that your phone has at least 3GB of RAM

Find out what our customers luv about Tonik!

4.6

112K reviews

4.5

20.3K reviews

Nashy Shaik

2025-04-05

Very nice and legit banking app!

MD Neuro EAMC

2025-03-30

Best app for banking and loans so far! Fastest, no hassle!

MariaLvn

2025-03-11

Tonik is a great app where you can save, grow, and loan. More blessings and clients to Tonik!

Uffkkabsueus

2025-03-02

Tonik has the fastest approvals. No hidden charges at all! Will recommend it to my friends.

Geneil28

2025-03-02

A no-hassle app. Very reliable in times of need and emergencies. Thank you so much, and more power to you!

Jjahr Xien

2025-02-16

Fast approvals. Just finished paying off my loan! Waiting to get my new loan.

ReinCaspersky

2025-02-15

The best digital loan and banking app that I've ever used.

binaabanana

2025-02-13

Been using Tonik for 3 years now and have nothing bad to say. Transfer from Tonik to other banks free!

Daison Mallari

2025-04-10

First time user but still managed to get a loan. Fast and easy process.

Noriz Anthony Ramis

2025-04-10

The Stashes are a game-changer for family budgeting—quirky, visual, and so intuitive! Bravo, Tonik!

MoTochik

2025-04-10

Lowest loan interest rate na nakita ko ever. Big help po. Thank you.

Abegail Aguelar

2025-04-06

User-friendly app with easy onboarding. Thank you for your prompt approval. Customer care representatives are friendly.

Hilda Ransom

2025-04-05

I have 6 kids in college and 3 kids in highschool, So I need help sometimes. This is a big help. Thank you!

Daryl Toledo

2025-03-06

Very user friendly app. Customer service is very accomodating.

Liezel Ann Barbo

2025-02-27

Fast and easy transactions. Been a year using Tonik—user friendly and helpful!

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