"Tonik, a transformative Neobank (meaning 100% digital bank) is on a mission to revolutionize the way money works in Southeast Asia. Expect only fast, easy and secure transactions with a team of experienced bankers taking care of your hard-earned savings. What every Filipino needs, including the 70% that remain unbanked, is a digital mobile bank that’s approachable 24/7 and offers services that actually help them save. That’s Tonik. With a strong desire to challenge the status quo in the world of finance, we’ve made it possible to give you a Time Deposit interest rate of 6% per annum -- the highest in the Philippines. We promise it’s true and the Central Bank of the Philippines backs us up, too. We firmly believe you deserve a bank that loves you back like we do. Our Services: Financial products including deposits, loans, current accounts, payments and cards. It is an all-in-one app that will help you save money, and help you create an online budget system. "