C6 Bank vs Tonik.
C6 Bank (C71/100) and Tonik (T53/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. C6 Bank leads Tonik 5-2.
| C C6 Bank №30 · BACEN 71 /100 | T Tonik №62 · BSP 53 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 71 /100 | 53 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 4.00% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank BACEN | Payment inst. BSP |
| Deposit guarantee Per depositor | €250,000 BR.FGC | Safeguarded PH.PDIC |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | Yes | No |
| UX | ||
| Trustpilot Customer score | 2.9 ★ 1k reviews | — |
| App store iOS + Android avg | 4.5 ★ iOS 4.6 · And 4.4 | 4.5 ★ iOS 4.6 · And 4.5 |
| Read review → | Read review → | |
Pick C6 Bank if…
Fastest-growing Brazilian neobank since 2018, ~30M customers. JP Morgan Chase invested in 2021 (40% stake) — adds international banking-as-a-service dimension via C6 Glob (USD account product). The Carbono tier (R$45/mo) is a structural mid-market premium positioned between free Nu Padrão and Itaú Personnalité.
Pick Tonik if…
First holder of one of the 6 BSP digital-bank licences. Headline 6.0% APY on Stash savings is among the highest in PH retail banking — the structural inflation hedge for PHP holders. PDIC-insured, BSP-supervised — fully chartered, not partner-bank.
- Best for fees Tonik won 1 of 4
- Best for protection C6 Bank won 2 of 2
- Best for reach C6 Bank won 1 of 3
- Best for ux Tied
C6 Bank vs Tonik — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is C6 Bank better than Tonik?
Under our v3 methodology, C6 Bank leads Tonik 5–2 across 12 dimensions. Composite scores: C6 Bank 71/100 vs Tonik 53/100. C6 Bank is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is C6 Bank or Tonik cheaper?
Monthly fee — C6 Bank: €0; Tonik: €0. Card FX markup — C6 Bank: 4.00%; Tonik: Interbank. Tonik wins more fee rows (1 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, C6 Bank or Tonik?
C6 Bank holds a Full bank licence under BACEN; deposit guarantee per depositor: €250,000. Tonik holds a Payment inst. licence under BSP; deposit guarantee per depositor: Safeguarded. C6 Bank is the stronger pick on regulatory protection.
Where can I use C6 Bank and Tonik?
C6 Bank operates in 1 country; Tonik operates in 1 country. Check each provider's signup page for the live country list — eligibility depends on residency, not just the licence footprint.
Want a 3- or 4-way comparison?
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