Tonik vs Revolut Singapore.
Tonik (T53/100) and Revolut Singapore (R52/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Revolut Singapore leads Tonik 6-1.
| R Revolut Singapore №64 · MAS 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 | Interbank | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | €350 /mo | — |
| Protection | ||
| Banking licence Tier | Payment inst. MAS | Payment inst. BSP |
| Deposit guarantee Per depositor | Safeguarded SG.SDIC | Safeguarded PH.PDIC |
| Reach | ||
| Markets served Licensed jurisdictions | 4 countries | 1 country |
| Crypto Coins available | 30 coins | No |
| Stocks & ETFs Self-directed | Yes | No |
| UX | ||
| Trustpilot Customer score | 3.8 ★ 1k reviews | — |
| App store iOS + Android avg | 4.7 ★ iOS 4.7 · And 4.6 | 4.5 ★ iOS 4.6 · And 4.5 |
| Read review → | Read review → | |
Pick Revolut Singapore if…
Revolut's APAC arm — Singapore-licensed regional HQ for AU / NZ / JP rollouts. Same multi-currency super-app model with MAS regulation and SDIC SGD 100,000 cover. The default cross-currency option for English-speaking APAC consumers.
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 Revolut Singapore won 1 of 4
- Best for protection Tied
- Best for reach Revolut Singapore won 3 of 3
- Best for ux Revolut Singapore won 2 of 2
Tonik vs Revolut Singapore — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Revolut Singapore better than Tonik?
Under our v3 methodology, Revolut Singapore leads Tonik 6–1 across 12 dimensions. Composite scores: Revolut Singapore 52/100 vs Tonik 53/100. Revolut Singapore is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Revolut Singapore or Tonik cheaper?
Monthly fee — Revolut Singapore: €0; Tonik: €0. Card FX markup — Revolut Singapore: Interbank; Tonik: Interbank. Revolut Singapore 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, Revolut Singapore or Tonik?
Revolut Singapore holds a Payment inst. licence under MAS; 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 Revolut Singapore and Tonik?
Revolut Singapore operates in 4 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.