Tonik vs Trust Bank.
Tonik (T53/100) and Trust Bank (T52/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Tonik leads Trust Bank 2-1.
| T Tonik №62 · BSP 53 /100 | T Trust Bank №67 · MAS 52 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 53 /100 | 52 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | Interbank | 1.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Payment inst. BSP | Payment inst. MAS |
| Deposit guarantee Per depositor | Safeguarded PH.PDIC | Safeguarded SG.SDIC |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | No |
| UX | ||
| Trustpilot Customer score | — | — |
| App store iOS + Android avg | 4.5 ★ iOS 4.6 · And 4.5 | 4.7 ★ iOS 4.7 · And 4.6 |
| Read review → | Read review → | |
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.
Pick Trust Bank if…
Singapore's third Digital Full Bank under MAS — Standard Chartered + FairPrice (NTUC) JV. SDIC cover via the DFB licence. FairPrice grocery-spending integration is unique to its parents. ~800K SG customers in first year.
- Best for fees Tonik won 1 of 4
- Best for protection Tied
- Best for reach Tied
- Best for ux Trust Bank won 1 of 2
Tonik vs Trust Bank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Tonik better than Trust Bank?
Under our v3 methodology, Tonik leads Trust Bank 2–1 across 12 dimensions. Composite scores: Tonik 53/100 vs Trust Bank 52/100. Tonik is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Tonik or Trust Bank cheaper?
Monthly fee — Tonik: €0; Trust Bank: €0. Card FX markup — Tonik: Interbank; Trust Bank: 1.00%. 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, Tonik or Trust Bank?
Tonik holds a Payment inst. licence under BSP; deposit guarantee per depositor: Safeguarded. Trust Bank holds a Payment inst. licence under MAS; deposit guarantee per depositor: Safeguarded. Both score equally on regulatory protection rows.
Where can I use Tonik and Trust Bank?
Tonik operates in 1 country; Trust Bank 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?
The dynamic compare picker handles up to four banks. Add this pair plus one or two more and we'll resolve every row.