Tonik vs Tiger BBP.
Tonik (T53/100) and Tiger BBP (T45/100), 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 Tiger BBP 4-2.
| T Tiger BBP №84 · MAS 45 /100 | T Tonik №62 · BSP 53 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 45 /100 | 53 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €60 /mo | €0 Free tier |
| FX markup Debit card abroad | 0.50% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| 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 | 2 countries | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | Yes | No |
| UX | ||
| Trustpilot Customer score | — | — |
| App store iOS + Android avg | — | 4.5 ★ iOS 4.6 · And 4.5 |
| Read review → | Read review → | |
Pick Tiger BBP if…
APAC SMB platform from UP Fintech (NASDAQ: TIGR / Tiger Brokers parent). Broker-dealer-backed treasury yield via UP Fintech's brokerage infrastructure is the structural moat versus Aspire (no native yield) and Airwallex (optional Yield in select markets). Cross-Asia payment corridors plus public-company parent transparency (NASDAQ filings). Structurally distinct from APAC payment-institution alternatives.
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 2 of 4
- Best for protection Tied
- Best for reach Tiger BBP won 2 of 3
- Best for ux Tonik won 1 of 2
Tonik vs Tiger BBP — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Tiger BBP better than Tonik?
Under our v3 methodology, Tonik leads Tiger BBP 4–2 across 12 dimensions. Composite scores: Tiger BBP 45/100 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 Tiger BBP or Tonik cheaper?
Monthly fee — Tiger BBP: €60; Tonik: €0. Card FX markup — Tiger BBP: 0.50%; Tonik: Interbank. Tonik wins more fee rows (2 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Tiger BBP or Tonik?
Tiger BBP 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 Tiger BBP and Tonik?
Tiger BBP operates in 2 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.