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How I Am Currently Using TONIK Digital Bank: Time Deposit Progress, Debit Card, and Personal Loan 

Oshean Lee Garonita
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Tonik is one of my favorite digital banks! I am currently using three of their products: Time Deposit, Debit Card, and their Personal Loan (actually 4 already. I started using their Stash but I was not using it yet during the time the I was recording their video). Here's a video of my usage so far. Conclusion, super luvin' it!
💜 Get Php 60 pesos when you open a TONIK bank account, uploaded an ID successfully, top up an amount, and use my code! Disclaimer that I will be getting 60 pesos too: TJFYQO1
For business 💼 and colabs 🤝, you can contact me:
📧: osheangaronita@gmail.com
📷 IG: @oshkoshlee
Timestamp:
00:00 Intro
01:03 First Feature
02:17 Second Feature
04:30 Third Feature
06:32 Sign up using my code
07:01 Outro
Follow me also on Twitch and hear me scream on my favorite games: bit.ly/twitch-oshean
------------------------------------------------
Some links that you can use:
💜 Get Php 60 pesos when you open a TONIK bank account, uploaded an ID successfully, top up an amount, and use my code! Disclaimer that I will be getting 60 pesos too: TJFYQO1
💳 Apply for a Security Bank Credit Card at no cost to you! bit.ly/osheanxsbc
₿ Use my referral link crypto.com/app/ff2sdcawm5 to sign up for Crypto.com and we both get $25 USD 🙂
₿ Use my link to get commissions every time that you are going to trade. Disclaimer that I will be getting commissions too: accounts.binance.me/en/regist...
💰 Get Php 100 when you sign up for Shopback! Disclaimer that I will also get the same amount too: app.shopback.com/HGzHM1kOReb
💵 Use my link to buy from Kwik.Insure and get FREE Php 100 worth of GIFT CERTIFICATES from Sodexo+: kwik.insure/at/olgaronita
or use my code upon checkout: olgaronita
📝Use my link to sign up for airtable! Imagine Google Sheets -- but on steroids: airtable.com/invite/r/0j83oewP
------------------------------------------------
🎞️ B-rolls from Videezy.com, videvo, and pexels
🖼️ Some thumbnail assets from FlatIcon and Freepik
🎵 Music from:
Lukrembo - bit.ly/3cZcGmr
Joakim Karud - / joakimkarud
DJ Quads - spoti.fi/3tU1iz7
Jingle Punks - / @audiolibrary_
Blue Wednesday (courtesy of ChillHop):
spoti.fi/31bpnEW
chillhop.com/?p=5812
The Jazz Hop Cafe:
open.spotify.com/user/thejazz...
/ thejazzhopcafe
Thematic: hellothematic.com/
Music by MYSM - Soft Cream - thmatc.co/?l=6CE873EA
------------------------------------------------
⚙️ Equipment:
🎥 Camera: Canon EOS M50 Mark II
🎙️ Microphone: BM 800
🎬 Video Editor: Wondershare Filmora
------------------------------------------------
❗ DISCLAIMER: I am NOT a licensed financial advisor, so take everything that I say with a grain of salt, and always do your research. I am not and will never be responsible for any consequences of your financial decisions.
❗ In compliance with RU-vid's copyright and fair use policy, just a DISCLAIMER also that there are some parts of the video that are not mine, and they are used in accordance to the platform's Fair Use policy. The following clips were used:
❗ FTC Legal Disclaimer: Some links found in the description box of my videos may be affiliate links, meaning I will make commission on sales you make through my link. This is at no extra cost to you to use my links/codes; it's just one more way to support me and my channel! :)
Stay educated!
- Oshean
#TonikBank #TonikBankPhilippines #TonikBankPH

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23 июл 2024

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Комментарии : 140   
@nhelrebolanan
@nhelrebolanan 2 года назад
super love this vid 🖤 i just opened a tonik acct last month 🥰
@osheanlee
@osheanlee 2 года назад
Glad you liked it, Nhel! :)
@jennydaoang3516
@jennydaoang3516 Год назад
Just open my tonik account now after I watch your video last night ☺️
@r_ya_hna
@r_ya_hna 2 года назад
Nice proud of you💜💜💜💜💜
@osheanlee
@osheanlee 2 года назад
Thank you Ryanna
@jampawlo9246
@jampawlo9246 Год назад
How long did it take for you to withdraw your lock in? thank you!
@annabellelouisadaria7381
@annabellelouisadaria7381 2 года назад
Woooowww amazing Sir,very appreciated👏👏👏from Kuwait😊
@osheanlee
@osheanlee 2 года назад
Thank you Annabelle ❤️
@mbiason394
@mbiason394 2 года назад
Nice content. Anyway, i just entered your referral code! Cheers!
@osheanlee
@osheanlee 2 года назад
Thank you and glad you liked it!
@SayedAbrarukayukayinmuwellah
@SayedAbrarukayukayinmuwellah 5 месяцев назад
Sir may nag email po SA akin from tonik but I'm worry po Kasi nag top up po ako Ng 20k base SA binigay nalang approve na loan SA akin ask KO Lang sir naescam Baba ako or Hindi advice po
@johnluigialilio3133
@johnluigialilio3133 Год назад
Ask lng pg na close Ang acc sa tonik pede p b aq mag create Ng another acc
@SayedAbrarukayukayinmuwellah
@SayedAbrarukayukayinmuwellah 5 месяцев назад
Hi sir bakit po naghibgi SA akin Ng top up ang tonik Ng 20k SA approve nalang 300k kahit Di pa ako marelease Ito ba ay legit or scam
@allansalazar2463
@allansalazar2463 Месяц назад
Sir paano po malqman kung magkano ang laman ng physical card
@lornalaluces5300
@lornalaluces5300 2 года назад
Nice video. Sir. Ask ko lang po kung mas OK po ba iyong 6 months period na TD... tapos po rollover na lang. SALAMAT po.
@osheanlee
@osheanlee 2 года назад
Hi! In terms of interest rate, yes! may okay yung Time Deposit then rollover :)
@joshuasoriano5885
@joshuasoriano5885 2 года назад
Thank you for your very informative video! Itanong ko lang po if where did you invest your loan from tonik? Thank you!
@osheanlee
@osheanlee 2 года назад
Hi! I invested it sa stock market before, pero that’s not advisable always. May risk pa rin of losing money ha. :)
@nors3732
@nors3732 Год назад
Thank you for this!
@osheanlee
@osheanlee Год назад
Glad it was helpful!
@elsiemercado716
@elsiemercado716 2 года назад
I got an email from toniks that my loan has been approved but they are asking me to scan / upload proof of income again and so I did. Getting an email like that, does it give you a guarantee na ma-disburse nila loan mo evernntually?
@osheanlee
@osheanlee 2 года назад
Hi, yes. They will send you also some documents concerning your loan also like schedule of amortization, etc.
@shinwonmyheart6065
@shinwonmyheart6065 2 года назад
Tried to linked my payroll atm, but it's not working.. Can you please help.?
@osheanlee
@osheanlee 2 года назад
Hi! Best to contact Tonik’s CS. :)
@meecageroza5642
@meecageroza5642 11 месяцев назад
Bakit Po nawala sa top up un online transactions sa gcash
@skyhuntersadventures2124
@skyhuntersadventures2124 2 года назад
Sana mag progress pa yung app ng tonik like QR code,more cash in options,at more functions pa that is applicable in the future,further dapat din sana naka print ang name ng account owner sa physical debit card and we will appreciate it.
@osheanlee
@osheanlee 2 года назад
they have exciting features coming soon! ;)
@ralpushiyeyo
@ralpushiyeyo 2 года назад
How about depositing money is it real time or takes days to reflect. Kasi sa CIMB nagrereflect siya agad. I'm planning to deposit money on tonik or ING just wanna know kung saan mas secured ang money transfer
@osheanlee
@osheanlee 2 года назад
Hi Ralf! Apologies for the late reply. It reflects agad kasi Tonik is using instapay. Pwede ring top up via online bank account. Hope this helps!
@hoppingbunny1011
@hoppingbunny1011 2 года назад
Question May charges po ba in topping up wallets in apps (grab wallet, lalamove wallet, gcash etc) ?
@osheanlee
@osheanlee 2 года назад
usually pag top-up wala. :)
@carljayden1167
@carljayden1167 2 года назад
Reject ako jan ,, paano po yung may business and sympre wla man salary slip yun hehe ,,,paano po kya .un
@vlog-yd6cr
@vlog-yd6cr 2 года назад
dipa available yung card sakin
@ArcieChannelReview
@ArcieChannelReview 2 года назад
Sir sana po masagot, ung sa Time Deposit po, magkanu bawas sa DST Documentary Stamp TAX? Thank you po
@osheanlee
@osheanlee 2 года назад
Not sure, but ang alam ko is whatever your interest is, babawasan ng 20% yun
@espiebanaag-singlemompreneur
good debt naman po ang 50k pesos kaya ok lng hehehe, u put it into an investment na magbibgay rin ng income good job po
@nifizleortiz4498
@nifizleortiz4498 Год назад
Saan ka sir nag invest?
@jennydaoang3516
@jennydaoang3516 Год назад
New subscriber po ☺️
@osheanlee
@osheanlee Год назад
Thank you! :)
@markaxelmolina2599
@markaxelmolina2599 Год назад
Hello. What's the physical features at the back of the card?
@osheanlee
@osheanlee Год назад
hi! magstripe, but it also has an EMV chip, and at the back of the card you can see the card number. :)
@aldous8778
@aldous8778 2 года назад
Sir na approve po ako sa tonik ngaun lng april 4,2022...hindi ko kasi na link ung atm payroll card ko.....tanung ko lng po para mas mababa bayad ko pwede pa ba ma link ang atm payroll card ko?
@osheanlee
@osheanlee 2 года назад
Hi @Raymond, I'm not sure. Best to ask Tonik CS.
@jessicaodquin7414
@jessicaodquin7414 2 года назад
Is. It safe to link po your card. Or atm payroll. Acct.? Sa tonik...esp. pafg magloan po? How po. Ang pagdeduct nila. Per. Mo. Automatic. Po nababawas dun sa atm? Tnx po .. God Bless!
@osheanlee
@osheanlee 2 года назад
Hi Jessica! Yup safe naman based on my experience :)
@AMINOiAN
@AMINOiAN 2 года назад
first😍
@osheanlee
@osheanlee 2 года назад
Hi Ryan!
@nerizzadeleon4474
@nerizzadeleon4474 2 года назад
Hi Sir nag try ako mag apply today possible po ba ma reject pag may loan pa sa Gcash? Nawala na kasi yung cp ko with my sim associate with my Gcash.
@osheanlee
@osheanlee 2 года назад
hello, it really depends sa bank :)
@yrien982
@yrien982 Год назад
talagang ok, sa europe 0.0007 percent lang per year wala kwenta.. yung 6percent napakalaking tubo na yan samantalahin nyo na, sayang talaga wala akong philippine cellphone number...
@marjoriepascua6141
@marjoriepascua6141 2 года назад
Tonik user here. Super like ko rin po si Tonik.
@osheanlee
@osheanlee 2 года назад
@mommyk5315
@mommyk5315 2 года назад
Hi sir, ilan days po bago ma verify ung tonik account?
@osheanlee
@osheanlee 2 года назад
Usually 24 horus lang but depende kung gaano karami nagpapa-verify and minsan they really do background checks, as regulated by BSP :)
@jhonielapacible8176
@jhonielapacible8176 2 года назад
Sir. Pwede nyo po ba ako ma help sa pag verify ng account ko? Hindi kasi mabasa nung app yung PRC ID ko. Ilang months na po ako nag t try. Thank you so much!
@jhonielapacible8176
@jhonielapacible8176 2 года назад
Wala rin pong nag rereply sa email
@osheanlee
@osheanlee 2 года назад
Hi Jhoniel, best to seek help from Tonik's Customer Service. Thanks!
@mikeconcepcion2374
@mikeconcepcion2374 2 года назад
Pwede na ba magbayad sa lahat ng tindahan na nag aaccept ng card yung tonik debit card?
@osheanlee
@osheanlee 2 года назад
Hi Mike, not all. Only those na nag-aaccept ng Mastercard.
@josemariaalonso6478
@josemariaalonso6478 2 года назад
Ang Time deposit ay subject to Documentary stamps tax.
@midnightwandering
@midnightwandering Год назад
can you make video about investing in stocks? thank you for noticing.
@osheanlee
@osheanlee Год назад
Say no more! :) ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-FnKC_MHUwRs.html
@johncarlosicat8285
@johncarlosicat8285 2 года назад
Sir how much charge fee if you transfer fund from tonik to other bank
@osheanlee
@osheanlee 2 года назад
Hi! As of now it's free of charge, but might change in the future. Hope this helps! :)
@johncarlosicat8285
@johncarlosicat8285 2 года назад
@@osheanlee from gcash to tonik sir is there any charge?
@osheanlee
@osheanlee 2 года назад
@@johncarlosicat8285 afaik wala :)
@jothamcadlaon6560
@jothamcadlaon6560 2 года назад
pwede pa suggest sa tonik na hindi mag change ng password every three months?
@osheanlee
@osheanlee 2 года назад
Hi Jotham! You can contact Tonik CS on this but it's best na you should change your password often. Hackers are extremely good these days!
@richarddomingo5931
@richarddomingo5931 Год назад
Kapag pinag bayad sya as debit sa card terminal may tee po ba yun?
@osheanlee
@osheanlee Год назад
ang alam ko wala po :)
@diane9322
@diane9322 Год назад
Hi sir ask ko lng po kong nawala ang cp ko pano ko maoopen ulit nag dati kong tonik po plz help po salamat sir .
@osheanlee
@osheanlee Год назад
1. need to contact mo muna yung sim card provider mo (kung globe or smart) para mabigyan ka ng bagong sim with same number 2. once may new phone ka na, pwede ka maka-login ulit na sa tonik. yung tonik account mo kasi is paired sa number mo.
@Seeethhhh4
@Seeethhhh4 2 года назад
Ask ko lang po saan kaya mababa ang withdrawal fee na ATM bank? Or sa lahat talaga 250 ang charge??
@osheanlee
@osheanlee 2 года назад
hi! depende sa bako. may iba na 250, may iba na 200 lang ata. kasi mastercard yung network na gamit.
@mymidgetbae184
@mymidgetbae184 2 года назад
Parating na bancnet card nila
@christophermalabanan3850
@christophermalabanan3850 2 года назад
I hope they will accept online check deposits soon! Please relay it to the Tonik Team!!! 🙏🙏🙏
@osheanlee
@osheanlee 2 года назад
will do! thank you :)
@user-sm3ur3fw9g
@user-sm3ur3fw9g Год назад
Wag kayong magdeposit jan
@user-sm3ur3fw9g
@user-sm3ur3fw9g Год назад
Blocked nila account ko 87k laman tpos pumunta ako sa office nila walang nag entertain
@scriptea4359
@scriptea4359 2 года назад
pwede po ba ipambili international to, if usd yung pag bibilhan?
@osheanlee
@osheanlee 2 года назад
Yup, pwede since MasterCard siya :)
@scriptea4359
@scriptea4359 2 года назад
@@osheanlee if yung sa virtual credit card naman po kaya din po ba non?
@jessicaodquin7414
@jessicaodquin7414 2 года назад
Can I loan and at the same time have a Time Deposit in Tonik? and magkano po interest nila for loan? tnx po...sa sagot.. God Bless!
@osheanlee
@osheanlee 2 года назад
Hi Jessica! Yes pwede. :) Yung loan would be depende if gaano katagal mo babayaran and if kung magkano yung iloloan mo. best to inquire it kay tonik :)
@jessicaodquin7414
@jessicaodquin7414 2 года назад
@@osheanlee thanks po..
@jessicaodquin7414
@jessicaodquin7414 2 года назад
@@osheanlee Is it safe to link your bank account in Tonik? since automatically sila mag babawas monthly sa atm mo once mag loan po? Tnx po..
@jessicaodquin7414
@jessicaodquin7414 2 года назад
how to start or invest sa stock market po? Thanks po...
@osheanlee
@osheanlee 2 года назад
I made a video on this: ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-FnKC_MHUwRs.html
@anniedelbando3176
@anniedelbando3176 2 года назад
sir ang atm card sa tonik e send ba nila sa u kong mag open ka ng time deposit?
@osheanlee
@osheanlee 2 года назад
Hi Annie, yung ATM will be delivered when you prompt it sa app mismo. Not necessarily na kelangan mo magbukas ng Time Deposit.
@josephreyes7574
@josephreyes7574 2 года назад
Bakit hindi na puwede mag Lagay ng refferaL code?
@osheanlee
@osheanlee 2 года назад
Hi Joseph, TONIK's promo is already over. :)
@dianamayhidokushinaide2052
@dianamayhidokushinaide2052 Год назад
Sir saan kau nag stock market .? R u also trading ? Can u give a list of legit investors in Phil's. Thank u
@osheanlee
@osheanlee Год назад
ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-FnKC_MHUwRs.html
@jaydelacruz6567
@jaydelacruz6567 Год назад
Firsr time using tonik. Where i can use it to purchase something
@osheanlee
@osheanlee Год назад
Hi Jay, Tonik has a virtual debit card with mastercard kaya pwede mo siya magamit online. :)
@armodia5754
@armodia5754 2 года назад
Paanu mag withdraw e words Ang password paanu mag change Ng password to number salamat po
@osheanlee
@osheanlee 2 года назад
Hi, best to contact Tonik CS on this
@ziildv
@ziildv 2 года назад
hello, ask ko lang po sana kung anong bank name usually ang nilalagay if mag-purchase online using Tonik virtual card? aside from card no. po kasi, nagtatanong din ng bank name yung ibang website.
@osheanlee
@osheanlee 2 года назад
Hmm that's weird. Yung merchant ba ay nag-aaccept ng mastercard? If need ng bank, I think TONIK Digital Bank. But best to contact tonik regarding this.
@rosemarierebayla6169
@rosemarierebayla6169 2 года назад
Hello po makakareceive po ba ng money from ibang bansa po gamit ito?
@osheanlee
@osheanlee 2 года назад
Hi! Afaik hindi po :(
@rinamaybuenaventura4053
@rinamaybuenaventura4053 2 года назад
Hi po..puede po b ang tonik for ofw’s.. thank you po
@osheanlee
@osheanlee 2 года назад
Hi! Yes pwede po as long as you are using a PH Mobile Number :)
@rinamaybuenaventura4053
@rinamaybuenaventura4053 2 года назад
@@osheanlee aww need q po pla ng roaming sim.. Salamat po sa info. God bless
@chimdiariesph
@chimdiariesph 2 года назад
Hello update po sa 6% nakuha nyo po ba?
@osheanlee
@osheanlee 2 года назад
Yup!
@angelovicentelandicho3195
@angelovicentelandicho3195 2 года назад
ate your beautiful new subscriber
@zhichenru
@zhichenru Год назад
Safe Po bang e link natin Yung ATM Kay Tonik?
@osheanlee
@osheanlee Год назад
yup safe!
@notme4550
@notme4550 2 года назад
may withdrawal fee and deposit fee ba if ill use bdo or bpi online?
@osheanlee
@osheanlee 2 года назад
Wala po :)
@archieabellon5568
@archieabellon5568 2 года назад
after maturity ng 6mos@6%P.A.can you put it again in timedeposit for 6mos at 6% P.A.?
@osheanlee
@osheanlee 2 года назад
yup. pwede mo siya i-rollover :)
@diealegendtv5410
@diealegendtv5410 2 года назад
Safe ba kahit maglagay ako 300,000 sa kanila?
@osheanlee
@osheanlee 2 года назад
Hi! Safe naman. Use their time deposit feature! Would be a big help for you :)
@positivethinking8
@positivethinking8 2 года назад
san po kayo nag invest ?
@osheanlee
@osheanlee 2 года назад
Hi! You might be interested to check my video of where I invest: ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-V_D0qZ2gITY.html
@joanmaglangit5290
@joanmaglangit5290 2 года назад
Hi sir hindi puidi sa mga ofw mag apply sa tonik loan
@osheanlee
@osheanlee 2 года назад
Hi! Pwede naman ata as long as may philippine bank account ka and PH mobile number :)
@lanbotictic6853
@lanbotictic6853 2 года назад
Hi po ilang days po ba nila yun delivery kc sakin 14 days na wala padin po
@osheanlee
@osheanlee 2 года назад
Hi! 7-10 days lang. Contact Tonik Customer Service agad if that's the case :)
@scarletromarate9371
@scarletromarate9371 2 года назад
Pwedi po buh national id ?
@osheanlee
@osheanlee 2 года назад
Yes po pwede :)
@ysailorenocampo8334
@ysailorenocampo8334 2 года назад
@@osheanlee how po passport??
@Critterspal2024
@Critterspal2024 Год назад
Diba po legit tong tonik bank?
@osheanlee
@osheanlee Год назад
Yes legit! May license sila from BSP and member din sila ng PDIC
@funnyjuan3.06
@funnyjuan3.06 2 года назад
may iba pa bang Way kung mag cashout?
@osheanlee
@osheanlee 2 года назад
maraming ways to cash out sa tonik, but what I personally use is via bank transfer.
@ekoydakoykoy
@ekoydakoykoy 2 года назад
Sana libre yung card nila.
@osheanlee
@osheanlee 2 года назад
Unfortunately hindi libre as of now. Maybe in the future! :)
@lossseeer1951
@lossseeer1951 2 года назад
Dipo ako na approve
@osheanlee
@osheanlee 2 года назад
Sorry to hear that Marlyn. There are numerous factors before banks can approve us of our loan/credit card applications. Try again na lang next time :)
@gensayagleenmenard60
@gensayagleenmenard60 2 года назад
Sir kailanagn po ba tlga mag top up
@osheanlee
@osheanlee 2 года назад
Hi! Yes. Since online digital bank siya, kelangan mag-top up para malagyan siya ng pera.
@user-sm3ur3fw9g
@user-sm3ur3fw9g Год назад
Scammer bank,basta basta iba block ang account mo na may laman kahit walang abiso kumpara sa ibng bank tatawagan k nila para sabihang iwidraw mo n pera mo kasi for closed account na account mo
@rogelven
@rogelven Год назад
Paano po gamitin ang virtual card sir?
@osheanlee
@osheanlee Год назад
Hi! Sa app mismo andun yung virtual card mismo
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