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Tonik vs CIMB (GSave)
Side-by-side comparison for 2026. Rates, features, and which one is better for you.
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
C
CIMB (GSave)
Min balance: ₱0
Interest rate
4.1%
per year
Best for
GCash users who want to earn interest without switching apps
Features
- • 4.1% p.a. interest
- • Connected to GCash GSave
- • No minimum deposit
- • Instant transfer to GCash
- • PDIC insured
FeatureTonikCIMB (GSave)
Interest rate6%4.1%
Min balance₱0₱0
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
CIMB (GSave)
+Direct GCash integration (GSave)
+No friction if you already use GCash
+PDIC insured up to ₱500,000
+Instant transfers between GCash and CIMB
−Lowest rate among digital banks
−Limited standalone features
−Cannot use without GCash
−Customer service issues reported
The verdict
Tonik offers higher rates (6-7%) and more savings products. CIMB GSave is only worth using for the GCash integration. If you want to grow your money, Tonik is the clear winner.