Tonik vs Maya Bank.
Tonik (T53/100) and Maya Bank (M50/100), 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 Maya Bank 3-0.
| M Maya Bank №79 · BSP 50 /100 | T Tonik №62 · BSP 53 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 50 /100 | 53 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 2.00% | 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 | 4.5 ★ iOS 4.5 · And 4.4 | 4.5 ★ iOS 4.6 · And 4.5 |
| Read review → | Read review → | |
Pick Maya Bank if…
Voyager Innovations digital bank arm — Philippines BSP digital banking licence (one of 6). Maya super-app heritage (formerly PayMaya, ~50M wallet users). Strongest super-app distribution among PH digital banks. PDIC cover.
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 Tonik won 1 of 2
Tonik vs Maya Bank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Maya Bank better than Tonik?
Under our v3 methodology, Tonik leads Maya Bank 3–0 across 12 dimensions. Composite scores: Maya Bank 50/100 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 Maya Bank or Tonik cheaper?
Monthly fee — Maya Bank: €0; Tonik: €0. Card FX markup — Maya Bank: 2.00%; 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, Maya Bank or Tonik?
Maya Bank 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 Maya Bank and Tonik?
Maya 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.