Tonik vs GoTyme.
Tonik (T53/100) and GoTyme (G52/100), 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 GoTyme 2-1.
| G GoTyme №65 · BSP 52 /100 | T Tonik №62 · BSP 53 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 52 /100 | 53 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 1.50% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Payment inst. BSP | Payment inst. BSP |
| Deposit guarantee Per depositor | Safeguarded PH.PDIC | Safeguarded PH.PDIC |
| 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 | 4.8 ★ iOS 4.8 · And 4.7 | 4.5 ★ iOS 4.6 · And 4.5 |
| Read review → | Read review → | |
Pick GoTyme if…
Joint venture between Tyme Group (South African digital-bank operator) and JG Summit Holdings (PH conglomerate). Fastest-growing PH neobank — ~6M customers in <4 years. Instant in-mall card-issuance via Robinsons Retail kiosks is a structural differentiator.
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 Tied
- Best for reach Tied
- Best for ux GoTyme won 1 of 2
Tonik vs GoTyme — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is GoTyme better than Tonik?
Under our v3 methodology, Tonik leads GoTyme 2–1 across 12 dimensions. Composite scores: GoTyme 52/100 vs Tonik 53/100. Tonik is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is GoTyme or Tonik cheaper?
Monthly fee — GoTyme: €0; Tonik: €0. Card FX markup — GoTyme: 1.50%; 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, GoTyme or Tonik?
GoTyme holds a Payment inst. licence under BSP; deposit guarantee per depositor: Safeguarded. Tonik holds a Payment inst. licence under BSP; deposit guarantee per depositor: Safeguarded. Both score equally on regulatory protection rows.
Where can I use GoTyme and Tonik?
GoTyme 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?
The dynamic compare picker handles up to four banks. Add this pair plus one or two more and we'll resolve every row.