tonik

We aim to transform the way money works through a 100% digital platform – fast, easy, and secure. We are experienced bankers, who are tired of banks not doing and being what the customers want.

We are addressing the US$140 billion retail deposit and US$100 billion unsecured retail lending opportunities in the Philippines. We believe the existing Filipino banking customers and the 70% of the Filipinos that remain unbanked deserve a better choice – a digital-only bank that is simple, not intimidating, helps them save, all at the click of a button. As the world leader in internet and social media usage, we believe Philippines is ripe for becoming a world leader in digital banking too.

We plan to make it happen. We provide retail financial products, including deposits, loans, current accounts, payments, and cards on a highly secure digital banking platform.
Innovation is woven into our DNA. We put customers first. We challenge the status quo. We are relentless. We are passionate about improving people’s financial lives through the use of technology.

Tonik operates in the Philippines on the basis of a full rural bank license issued by the Central Bank of the Philippines. Our deposits are insured by the PDIC.