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Tonik interest rates

BSP digital bankTonik Digital Bank, Inc.

An app-only bank built around 'stashes': separate savings pockets you can keep solo or share with friends.

tonikbank.com (opens in a new tab) ↗

Savings

Group Stash

3.25%
up to 3.75%
  • 3.25% p.a. on your end-of-day balance.
  • 3.75% p.a. when the stash has the owner plus at least 2 participants.

Crediting not stated · Checked 19 Oct 2026 on the bank's page (opens in a new tab)

Savings

Tonik Account

0.10%
  • 0.1% p.a. on your end-of-day balance. It's the everyday account; the stashes are where the interest is.

Crediting not stated · Checked 19 Oct 2026 on the bank's page (opens in a new tab)

Time deposit

Time Deposit

3.50%
up to 5.00%
  • Terms of 6, 9, 12, 18 and 24 months.
  • The extra 1% p.a. is paid at payout, and only if you keep an average daily balance of at least ₱10,000 in your Tonik savings account every month of the term.
  • These rates took effect on 24 August 2026.
TermRate p.a.With bonus
6 months4.00%5.00%
9 months3.50%4.50%
12 months3.50%4.50%
18 months3.50%4.50%
24 months3.50%4.50%

Interest added at maturity · Effective 24 August 2026 · Checked 19 Oct 2026 on the bank's page (opens in a new tab)

Tonik's homepage advertises "up to 6% interest p.a.". Its own rates page lists nothing above 5% (4% plus a conditional 1% on a 6-month time deposit), so that's what we show.

Rate history

Every change we've recorded since we started tracking Tonik. Full log: rate changes.

DateAccountBaseUp toWhat changed
19 Oct 2026Solo Stash3.25%3.25%Tracking started
19 Oct 2026Group Stash3.25%3.75%Tracking started
19 Oct 2026Tonik Account0.10%0.10%Tracking started
19 Oct 2026Time Deposit3.50%5.00%Tracking started

Rates are gross, before the 20% final tax. This is information, not financial advice. Confirm with Tonik before you open an account.