Fees and Charges

Deposit Channels

Transaction Fee
(in PHP)

Max. Amount / Transaction1
(in PHP)


PESONet1

FREE

varies depending on issuing bank

Local Bank Debit Card2

25.00

varies depending on issuing bank

UnionBank Direct

FREE

250,000.003

BPI Direct

FREE

50,000.003

GCash

25.00

100,000.00

7-Connect

25.00

5,000.00

 

From August 19, 2021

From July 22, 2021

CLiQQ

25.00

5,000.00

SM Business Center

25.00

5,000.00

M. Lhuillier

25.00

5,000.00

Cebuana  25.00 5,000.00

 

1. Maximum amount / transaction is subject to Tonik Account balance limit.

2. We accept only 3DS-enabled debit cards.

3. Subject to the limit of the originating bank.

 

Withdrawal Channels

Transaction Fee
(in PHP)4

Max. Amount / Transaction
(in PHP)


Other Tonik Account

FREE

1,000,000.005

Instapay

FREE

50,000.00

GCash

FREE

100,000.00

Cebuana

50.00

30,000.00

M. Lhuiller

50.00

30,000.00

Mastercard ATMs (local)

250.00

varies depending on the acquiring bank up to 50,0000 daily

 

4. Withdrawal fee is waived for loan withdrawal.

5. Subject to a maximum balance limit of recipient’s account or fund availability.

6. Fee is set by the acquiring bank.

 

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

Debit card issuance charge

300.00

Debit card replacement charge

300.00