Aspire vs Tonik.
Aspire (A70/100) 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. Aspire leads Tonik 5-2.
| A Aspire №37 · MAS 70 /100 | T Tonik №62 · BSP 53 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 70 /100 | 53 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 0.30% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Partner-bank MAS | Payment inst. BSP |
| Deposit guarantee Per depositor | €100,000 SG.SDIC | Safeguarded PH.PDIC |
| Reach | ||
| Markets served Licensed jurisdictions | 8 countries | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | No |
| UX | ||
| Trustpilot Customer score | 4.3 ★ 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 Aspire if…
The APAC-first multi-currency business-account platform for SaaS startups and e-commerce sellers — SG-HQ MAS Major Payment Institution with native multi-currency accounts (USD/SGD/EUR/GBP/IDR + HKD/AUD/IDR/MYR) plus local-currency receiving in 30+ countries and local account issuance in 6 jurisdictions (SG, HK, US, UK, EU, AU). Built for APAC startups taking USD revenue who need a SGD operating account without the friction of running Mercury (US) + a SG-bank relationship side-by-side. Stripe + Shopify + Xero integration depth makes Aspire the structural fit for SaaS / e-commerce / fintech operators in the region. MAS-licensed Major Payment Institution status is the structural anchor.
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 Aspire won 2 of 2
- Best for reach Aspire won 1 of 3
- Best for ux Tied
Aspire vs Tonik — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Aspire better than Tonik?
Under our v3 methodology, Aspire leads Tonik 5–2 across 12 dimensions. Composite scores: Aspire 70/100 vs Tonik 53/100. Aspire is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Aspire or Tonik cheaper?
Monthly fee — Aspire: €0; Tonik: €0. Card FX markup — Aspire: 0.30%; 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, Aspire or Tonik?
Aspire holds a Partner-bank licence under MAS; deposit guarantee per depositor: €100,000. Tonik holds a Payment inst. licence under BSP; deposit guarantee per depositor: Safeguarded. Aspire is the stronger pick on regulatory protection.
Where can I use Aspire and Tonik?
Aspire operates in 8 countries; 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?
The dynamic compare picker handles up to four banks. Add this pair plus one or two more and we'll resolve every row.