Tonik Digital Bank now sells prepaid load, telco promo bundles and mobile/PC game credits in-app for major Philippine networks and popular game titles, delivering purchases directly to the recipient’s mobile number.
Game credits for titles including Mobile Legends, Roblox, Rio Games, Genshin Impact and PUBG Mobile are available and delivered by SMS to the purchased number.
Tonik excludes gambling-related credits and continues to focus on a lending-led strategy, with savings and payments broadening customer relationships around lending.
Tonik reached cash flow breakeven in Q1 2026, and this product expansion moves more everyday transactions into the bank’s app to increase customer stickiness.
# What happened
Tonik Digital Bank added the ability to buy mobile load, telco promo bundles and game credits directly inside its app. The offering covers major Philippine telcos and several popular game titles, with purchases delivered straight to the recipient mobile number.
# What you can buy
Tonik explicitly does not sell credits, PINs or vouchers for online gambling, e-casino or e-sabong products.
# How purchases are delivered
# Why Tonik added this
Greg Krasnov, Tonik's founder and CEO, framed these as small, frequent purchases that keep customers returning to the app instead of switching between multiple apps. The bank positions savings, payments and everyday services around its core lending business rather than replacing it.
Tonik reached cash flow breakeven in the first quarter of 2026, and this expansion is presented as part of widening customer relationships by moving occasional banking interactions into daily habit-based transactions.
# What this means for customers
# Practical considerations
# Bottom line
Tonik expanded in-app services to include mobile load, telco promos and game credits to make small, routine purchases available inside the banking app. The features aim to keep customers engaged daily while Tonik maintains lending as its core business.
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