Tonik: Online Loans & Savings

🇺🇸 United States
Tonik Digital Bank  | 
38
ASO score
Text
21/100
Reviews
100/100
Graphic
40/100
Other
0/100
rating
App Rating
4.5
rating
Votes
9.71M
rating
App Age
5y
rating
Last Update
Dec 22, 2025

Compare with Category Top Apps

Metrics
Current App
Category Top Average
Difference
Installs
4.2M
6.3M
-33%
Rating
4.52
4.24
+7%
Number of Ratings (Voted)
8M
9.4M
-14%
App Age
5y 0m
6y 0m
-17%
In-app Purchases Price
$0
$145
Update Frequency
85d
76d
+12%
Title Length
29
26
+12%
Short Description Length
69
67
+3%
Description Length
2 037
2 748
-26%
Number of Screenshots
1271
848
+50 %
Has Video?
No
0% has videos
Size
0MB
0MB

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Downloads

Downloads Graph
Downloads icon
Total
4.1M
Last month icon
Last month
90.3K

Text ASO

Title (
Characters: 29 of 50
)
Tonik: Online Loans & Savings
Short Description (
Characters: 69 of 80
)
Apply in minutes. No paperwork. Build credit with Tonik Digital Bank.
Description (
Characters: 2037 of 4000
)
Tonik is the Philippines' first neobank, proudly holding a digital bank license from the Bangko Sentral ng Pilipinas. At Tonik, we offer high-interest savings, round-the-clock customer care, and innovative services crafted to streamline your credit-building journey. Innovative. Passionate. Customer-first. That's Tonik. We're a 100% digital bank on a mission to revolutionize the way money works in Southeast Asia, offering only fast, easy, and secure transactions with a team of experienced bankers taking care of all your financial needs. We're a neobank that's there for you 24/7 with services that'll help you get ahead of your financial goals – that includes the Tonik Credit Builder! TONIK CREDIT BUILDER The Tonik Credit Builder is your partner in navigating your financial journey. Using your Tonik Account, you can start building the foundation of a strong credit history in just a few taps. By making timely payments, consistent savings, and daily transactions, you’ll unlock financial opportunities once beyond your reach. This will pave the way for you to live your best life - your financial ever after. Take the first step with the Tonik Credit Builder today, and let's make credit history together! TONIK CREDIT BUILDER FEATURES: • Fast approval and real-time disbursement to your Tonik Account • No credit history and no collateral needed • Minimal documents required - only 1 valid ID and a Tonik Account required • Flexible payment date - your preferred salary payout date • Monthly add-on interest rates as low as 4.84% • 6, 9, and 12 months installment • 100% digital - all loan info can be seen on the Tonik App • Cash out the full loan amount real-time • One bank account for application and cash disbursement • No pre-termination or early payment fees • With convenient and various repayment options Annual Percentage Rate (APR) is 95% Tonik is a digital bank licensed and regulated by the Bangko Sentral ng Pilipinas and is a member of PDIC.}
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Visual ASO

Screenshots

Rating & Reviews

Reviews Overview
🧐 Coming Soon…
Rating
4.5
9 707 894 voters

Some Latest Reviews

benjamin burayag
21 Dec, 2025
5
Nice si TONIK ang problema Lang hindi nya ako ma approve sa loan
Mark Joven Dumas
21 Dec, 2025
1
Facial recognition for password updating doesn't work. Online payment is no longer available so you have to do over-the-counter payments which is a lot of hassle. Do not avail their loans.
Jin Claire Dapat
21 Dec, 2025
5
The Best Digital Bank experience. Eventhough lately there are already charges for the bank transfer, i still appreciate the simplicity and main use of the banking app for my personal & business use. Simply the Best for me... 100% Thumbs up!
sandro vasadre
21 Dec, 2025
1
the app makes you change password even if you don't want to. make an option for users that don't want to frequently change their passwords.
aimee zabala
21 Dec, 2025
5
The platform is simple yet practical, with a smooth workflow, fast progress, and no detours. Overall, a very good experience.
Aldren Barrun
21 Dec, 2025
5
very fast loan disbursement, very direvct to the point caller agent, so fast app featires application
Mary Cris Domingo
21 Dec, 2025
5
thanks tonik to approved me so fast! rest assured that I won't disappoint you too. God bless
Allan Mercado
21 Dec, 2025
5
super fast and easy to use really love it you all guyz
Jose Pujante
20 Dec, 2025
2
di agad pumapasok ang bayad sa utang loading madalas system error

Other

Additional Information
Rating:
4.53
Voted: 9.71M
Google Play Link:
Website:
Email:
Privacy Policy:
Categories: Finance
Size: -
Installs: 4.08M
App Age: 5 years
Release Date: Dec 21, 2020
Last Update: Dec 22, 2025
Version: 7.0.1
Version history
7.0.1
Dec 22, 2025
What&#39;s stranger than the Upside Down? Not using the Tonik app and these features:<br> <br>- Loan offers made more accessible (than Hawkins Lab)<br>- Better ID capture, like Eleven&#39;s powers every season<br>- New billers (not demogorgons)<br>- In-app inbound call (so we can reach you in the Upside Down)<br>- Safer and improved onboarding (no surprises like Will&#39;s...)<br> <br>Don&#39;t be stuck in 1983, join the Tonik Digital Bank party!
7.0.0
Nov 03, 2025
The Life of a Tonik App, now starring:<br><br>-Enhanced face verification (keep it a 100 on the land)<br>-Improved handling on PhilSys ID verification (ain’t gotta knock on wood)<br>-Updated transaction details and fees (we’ll be your father figure)<br>-Special cash loan offers, just for you (and your wi$h li$t)<br><br>And baby, that’s Tonik digibank for you!
Version history