# Tonik: Loans & Deposits — user reviews > 16 indexed App Store user reviews of Tonik by TONIK FINANCIAL PTE. LTD, rated 4.38/5 from 76 ratings. - Source: https://appshunter.io/ios/app/tonik-loans-and-deposits/id1541576007/reviews - App overview in markdown: https://appshunter.io/ios/app/tonik-loans-and-deposits/id1541576007.md - Rating breakdown: 5★ 52 · 4★ 13 · 3★ 3 · 2★ 4 · 1★ 4 ## Newest reviews (2 of 16) ### 3/5 — Security *2022-10-29* This app will be great if they use face and finger print to log in. For now its to inconvenient the system is a bit behind. **Developer response:** Hi there, luv! We actually have this feature available. You can enable this by clicking on the profile icon on the top-left corner of your Tonik App Dashboard > click on "Log-in options". You can choose to use either your fingerprint or face scan to log-in moving forward. XOXO ### 3/5 — UI better on Android *2022-04-18, version 3.0.8* A lot of UI/UX problems on iOS, please help to improve moving forward **Developer response:** Hi there, luv! So sorry to hear about this. We do hope that you reported this to our CC Team via in-app chat, Viber (+63253222645), or email (customercare@tonikbank.com). Once reported, they will be able to resolve your app issues. Please trust that we work on these for improvement. XOXO ## Most critical reviews (10 lowest-rated) ### 1/5 — Total fake😡😡😡 *2024-12-26* Just want details nothing else 😡 ### 1/5 — Fake *2023-10-04* Fake **Developer response:** Sorry about that, luv! Can you let us know what we can do to improve? Pls reach out to our CC Team via Tonik in-app chat, hotline (+63253222645), or email (customercare@tonikbank.com) to let them know what issues you encountered. Do know that Tonik is a legit digital bank, first to be issued a digital banking license by the BSP. XOXO ### 1/5 — Orwellian garbage *2023-06-08, version 4.1.0* This thing invades your privacy worse than a Chinese app. From the second you open it it starts filming you. What the?! Privacy statement is scary. It requires complete access to your phone. They'll tell you it's to keep you safe. Don't believe them. Also, you must be a Filipino to use this which they don't mention until AFTER they harvest your data, access your photos and contacts etc. ### 1/5 — Reloan *2022-10-04, version 4.0.5* I had an emergency with my medication.I paid my pending balance in full and in advance. But reloan was not available. They said to wait for 24 to 48 hrs, until now it’s not available. If that was the case, I should’nt have paid in advance cause now I’m not able to get my meds.Such a disappointment. **Developer response:** Hi there, luv! We're terribly sorry about the confusion. The approval of a new loan would depend on our risk analysis based on the data provided during the tenure of your loan. Each loan history is unique, and depending on the data we gather, some might be able to re-apply for our Quick Loan, while some might not. Super appreciate your patience, hun! XOXO ### 1/5 — App still crashes *2022-07-13, version 4.0.0* The app itself is very friendly, like youre talking to a person while creating an account. But after everything, after you submit your selfie, id, information and signature, the app crashed and when I reopened, all gone. You need to start all over. 🤦🏻‍♀️ ### 1/5 — Better opt for other online banking institutions *2022-06-12, version 4.0.0* I’ve tried opening an account with them and I completed all the forms and the identification card that they need but they always reject my application. I’ve tried contacting them through their chat service and I was informed that I have to reinstall the app every now and then if my application is rejected. It is hard to put in your hard-earned money to an institution with unstable platform and system. I hope something could be done to improve this limitations. **Developer response:** So sorry, luv. Can you give us your ticket number or check your email for communication from our CC Team explaining this action? If not please do reach out to a CSR so they can investigate if this is a bug. Thanks for your patience. XOXO ### 1/5 — Keeps Asking To Change Passwords *2021-12-02, version 3.0.2* Unlike other banks that give the client the option NOT to change passwords, Tonik requires a new password every 90 days. Boo. 👎🏼 **Developer response:** Hi there, luv! So sorry to hear about this. We do hope that you reported this to our CC Team via in-app chat, Viber (+63253222645), or email (customercare@tonikbank.com). Once reported, they will be able to resolve your app issues. Please trust that we work on these for improvement. XOXO ### 1/5 — Loading, loading and loading *2021-11-12* Takes so much time to display the terms and conditions…. Maybe next time, for now i have to delete it first, lets see how it develops. What if i needed cash? How does it works? **Developer response:** Hi there, luv! So sorry to hear about this. We do hope that you reported this to our CC Team via in-app chat, call (+63253222645), or email (customercare@tonikbank.com). Once reported, they will be able to resolve your app issues. Please trust that we work on these for improvement. XOXO ### 1/5 — Buggy App *2021-10-22, version 3.0.0* App constantly crashes, but the interest rates are good I guess. Not worth going through the troubles of the worst app in Philippine Financing ### 2/5 — App Crashes *2021-04-14, version 1.5* Everytime I try to withdraw from my stash to the wallet it crashes my whole phone. I have to restart and attempt to withdraw multiple times and go through the cycle again just to withdraw. Hopefully this can be fixed. I’m not sure if it’s just my phone but I don’t have this problem with other wallet applications. **Developer response:** Hi there, luv! So sorry to hear about this. We do hope that you reported this to our CC Team via in-app chat, call (+63253222645), or email (customercare@tonikbank.com) as well for quick resolution. Please trust that we work on these for improvement. Also, please stay tuned for new app builds that address such issues. XOXO ## Most praised reviews (10 highest-rated) ### 5/5 — I love tonik! *2024-11-14, version 6.0.6* I love this online bank! It is so posh and their customer service is amazing ### 5/5 — Awesome app *2024-08-03* Smooth and highly secured financial app **Developer response:** We super appreciate your feedback, luv! Please do keep an eye on the latest Tonik App builds and download them as soon as they are available here. Each release would have improvements. For any issues or suggestions do report to our CC Team via in-app chat, Viber (+63253222645) or other channels for quick resolution. XOXO ### 5/5 — Easy to use app *2024-01-25* app is easy to use, very convenient so far. The time deposit option is a win! ### 5/5 — COOL *2023-10-22* First time user and let see how this gonna work 🥰 **Developer response:** We super appreciate your rating, luv! Please do keep an eye on the latest Tonik App builds and download them as soon as they are available here. Each release would have improvements. For any issues or suggestions do report to our CC Team via Tonik in-app chat, hotline (+63253222645), or email (customercare@tonikbank.com) for quick resolution. XOXO ### 5/5 — safe and convenient *2023-08-03* excellent customer service and easy process **Developer response:** We super appreciate your feedback, luv! Please keep an eye on the latest Tonik App builds and download them as soon as they are available here. Each release would have improvements. For any issues or suggestions do report to our CC Team via Tonik in-app chat, hotline (+63253222645), or email (customercare@tonikbank.com) for quick resolution. XOXO ### 5/5 — The UI and the app itself *2023-02-01, version 4.0.7* This looks perfect and easy to use. **Developer response:** We super appreciate your feedback, luv! Please do keep an eye on the latest Tonik App builds and download them as soon as they are available here. Each release would have improvements. For any issues or suggestions do report to our CC Team via in-app chat, Viber (+63253222645), or email (customercare@tonikbank.com) for quick resolution. XOXO ### 5/5 — Superb App and Customer service *2022-10-04, version 4.0.5* What can I say? Customer service is excellent, hight TD rates, easy and convenient account creation, instapay transfer fee is FREE. This app is almost perfect, except the time deposit limit is 100k. I hope it will increase 10x the current amount in the future. I am still rating it 5. **Developer response:** We super appreciate your feedback, luv! Please do keep an eye on the latest Tonik App builds and download them as soon as they are available here. Each release would have improvements. For any issues or suggestions do report to our CC Team via in-app chat, Viber (+63253222645), or email (customercare@tonikbank.com) for quick resolution. XOXO ### 5/5 — excellent customer service *2022-09-19, version 4.0.4* the customer service for this app is excellent. the response in chat conversation is very fast. i don’t have any worries with my transactions because i know that they will resolved any issue. it may take time depending on the case. my only concern sometimes is my transaction failed to proceed. and takes longer that expected. but still a great app and helps me a lot. also last but not the least, i earn every month with interest. **Developer response:** We super appreciate your feedback, luv! Please do keep an eye on the latest Tonik App builds and download them as soon as they are available here. Each release would have improvements. For any issues or suggestions do report to our CC Team via in-app chat, Viber (+63253222645), or email (customercare@tonikbank.com) for quick resolution. XOXO ### 5/5 — Impressive app tonik *2021-03-26* Very quick onboarding - account in a giffy Communication and copy are beyond a normal bank Smooth and faster response app Join and save big and better ### 4/5 — Would have given a 5 star but… *2024-04-15* The recent versions make the app close everytime I try to login. The latest one just automatically closes when I try to update my password. 🥲 please fix this~ **Developer response:** Hey there, luv! Kindly uninstall and reinstall the app, it works for similar situations! If you have any more issues, don't hesitate to reach out to our customer care team. You may contact them at Hotline +632 5322 2645 or customercare@tonikbank.com. --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*