Sony Bank vs Tonik.
Sony Bank (S69/100) 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. Sony Bank leads Tonik 3-2.
| S Sony Bank №41 · JFSA 69 /100 | T Tonik №62 · BSP 53 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 69 /100 | 53 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 0.15% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank JFSA | Payment inst. BSP |
| Deposit guarantee Per depositor | Safeguarded No DGS | 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 | — | — |
| App store iOS + Android avg | 4.1 ★ iOS 4.2 · And 4.0 | 4.5 ★ iOS 4.6 · And 4.5 |
| Read review → | Read review → | |
Pick Sony Bank if…
Japan's longest-running internet-only bank (operational since June 2001) — predates Rakuten Bank's eBank acquisition and tied with SBI Sumishin for first-net-bank tenure. The structural specificity is multi-currency forex strength: foreign-currency deposit accounts in 12+ currencies plus retail FX margin trading, the deepest retail-FX product among Japanese chartered net banks. Wholly-owned subsidiary of Sony Financial Group, in turn part of Sony Group Corporation (TYO: 6758). Sony Bank ≠ Sony Pay / Sony Mobile Wallet — the bank holds a full Banking Act licence, the wallet brands do not.
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 Sony Bank won 1 of 2
- Best for reach Sony Bank won 1 of 3
- Best for ux Tonik won 1 of 2
Sony Bank vs Tonik — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Sony Bank better than Tonik?
Under our v3 methodology, Sony Bank leads Tonik 3–2 across 12 dimensions. Composite scores: Sony Bank 69/100 vs Tonik 53/100. Sony Bank is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Sony Bank or Tonik cheaper?
Monthly fee — Sony Bank: €0; Tonik: €0. Card FX markup — Sony Bank: 0.15%; 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, Sony Bank or Tonik?
Sony Bank holds a Full bank licence under JFSA; deposit guarantee per depositor: Safeguarded. Tonik holds a Payment inst. licence under BSP; deposit guarantee per depositor: Safeguarded. Sony Bank is the stronger pick on regulatory protection.
Where can I use Sony Bank and Tonik?
Sony 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?
The dynamic compare picker handles up to four banks. Add this pair plus one or two more and we'll resolve every row.