Tonik Supercharges Time Deposit Offering with 6–7–8% Rates — No Conditions, No Catch, and Accessible to Everyone

POSTED BY: Lionell Go Macahilig
2026-02-13 00:56:10 PHT

This Valentine’s Day, Tonik is showing its love to Filipino savers with an exciting new upgrade to its Time Deposit (TD) product: 6% for 6 months, 7% for 9 months, and 8% for 12 months — with no maintaining balance, no promo codes, and no fine print. You can get started with as low as ₱5,000.

Tonik is taking its commitment to making high-yield savings accessible to everyone to the next level. The new TD offering is designed to empower Filipinos by providing industry-leading rates with no complex rules or conditions — available to anyone, no matter their financial background. Whether you're new to saving or already a seasoned investor, these enhancements offer real, simple savings that grow.

Here’s what’s new:

  • Bigger deposit caps. Customers can now open TDs of up to ₱250,000 per account, with a maximum of five active TDs, making it possible to invest up to ₱1.25M across all terms.
  • Flat 6% for 6 months. A straightforward, no-condition rate for customers who want short-term savings without the hassle. No Average Daily Balance (ADB) required, no rollover surprises.
  • “6-7-8” rates that win. These industry-leading interest rates — 6% (6 months), 7% (9 months), 8% (12 months) — are complemented by 6% for 18- and 24-month terms. All available directly in the Tonik app with just a few taps.
  • Simple and transparent UX. The Tonik app shows real-time interest calculations in pesos, so you know exactly how much you’re earning. Funds are automatically credited at maturity, and customers retain full control over rollover settings.

No Missions, No Surprises

Tonik’s TDs are accessible to everyone, starting with a Time Deposit as low as ₱5,000, offering a simple and straightforward way to save. There’s no need to meet Average Daily Balance (ADB) requirements, complete tasks, or worry about hidden terms. What you see is what you get — real rates, no gimmicks.

Designed for Transparency and Control Tonik’s TDs are crafted for simplicity and clarity. Customers can see exactly how their interest is growing, with real-time calculations and no confusing jargon. Once a term ends, the funds are automatically credited to your account, giving you complete control over your rollover preferences.

By removing the barriers traditionally associated with Time Deposits, Tonik is transforming a once-exclusive financial product into a practical savings tool for all Filipinos — with some of the best rates in the market. It’s our way of showing love to Filipino savers this Valentine’s Day and beyond, offering not just great returns, but the opportunity for a future of financial freedom.