Leading the Way: Tonik Becomes First Digital Bank to Implement PhilSys ID Verification

Remember the days when opening a bank account meant bringing two valid IDs, photocopies, and sometimes even a “proof of billing” just to get started? Those days are getting left behind—thanks to Tonik.

Tonik, the country’s first fully digital bank, just became the first to roll out PhilSys ID verification for everything from account opening to upgrades and even reopening. What does that mean for you? Less hassle, faster approval, and more people finally getting access to banking.

One ID, Many Possibilities

With the national ID system (PhilSys), you don’t have to worry if you don’t have a passport or driver’s license. Tonik accepts all PhilSys ID formats—plastic card, digital file, or even the eGov app version. You just take a photo using your phone, upload it, and you’re done.

This matters because for many Filipinos, not having “enough” IDs has been the biggest roadblock to opening a bank account. Now, that roadblock is gone—and it opens doors to loans, credit history, and more financial opportunities.

Almost Instant Approval

Thanks to the PhilSys API, Tonik can verify your ID in less than 10 seconds. No more waiting for days. No more back-and-forth with branch staff. Your account can be ready almost as soon as you hit submit.

This isn’t just about speed—it’s about trust and safety. With biometrics and QR-code checks, the system makes it much harder for fraudsters to slip through, giving you peace of mind that your account is secure.

Banking Made for Everyone

At its core, this move shows Tonik’s commitment: banking that’s simple, safe, and inclusive. With PhilSys now fully integrated, even those who’ve never had a chance to open a bank account before can finally join the digital economy.

In short: less paperwork, more possibilities—and Tonik is making sure Filipinos don’t get left behind in the future of finance.