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SeaBank vs Tonik
Side-by-side comparison for 2026. Rates, features, and which one is better for you.
S
SeaBank
Min balance: ₱0
Interest rate
6%
per year
Best for
Shopee shoppers who want to earn interest on idle money
Features
- • 6% p.a. interest
- • No maintaining balance
- • Linked to Shopee
- • Free transfers
- • ShopeePay integration
T
Tonik
Min balance: ₱0
Interest rate
6%
per year
Best for
Disciplined savers who want to lock money in time deposits for higher rates
Features
- • 6% Stash rate
- • Time deposits up to 7%
- • Quick loan feature
- • Debit card
- • Group stash
FeatureSeaBankTonik
Interest rate6%6%
Min balance₱0₱0
SeaBank
+Same 6% rate as Maya
+No minimum balance or fees
+Direct Shopee integration
+Easy cash-in via ShopeePay
−Limited features beyond savings
−No virtual card
−Customer support can be slow
−Relatively new in PH market
Tonik
+Time deposits offer higher rates (up to 7%)
+Physical debit card available
+Quick Loan for emergencies
+Group Stash for shared savings
−Stash has lock-in periods
−Limited ATM network
−App stability issues reported
−Withdrawal can take time
The verdict
SeaBank is simpler and better integrated with Shopee. Tonik offers more savings products (Stash, Time Deposit, Group Stash) and a physical debit card. Choose based on whether you want simplicity or options.