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Maribank vs Tonik
Side-by-side comparison for 2026. Rates pulled live from each bank monthly.
M
Maribank
Min balance: ₱0
Interest rate
3.75%
per year (live)
Best for
Shopee shoppers who want to earn interest on idle money
Features
- • No maintaining balance
- • Linked to Shopee
- • Free transfers
- • ShopeePay integration
- • PDIC insured
T
Tonik
Min balance: ₱0
Interest rate
8%
per year (live)
Best for
Disciplined savers who want lock-in buckets for higher rates
Features
- • Stashes (locked savings buckets)
- • Time deposits up to 7%
- • Quick loan feature
- • Debit card
- • Group Stash
FeatureMaribankTonik
Interest rate3.75%8%
Min balance₱0₱0
Maribank
+No minimum balance or fees
+Direct Shopee integration
+Easy cash-in via ShopeePay
+Higher tier for balances over ₱1M
−Limited features beyond savings
−No virtual card
−Customer support can be slow
−Tier rate only kicks in at high balances
Tonik
+Time deposits offer higher rates than headline savings
+Physical debit card available
+Quick Loan for emergencies
+Group Stash for shared savings goals
−Stash has lock-in periods
−Limited ATM network
−App stability issues reported
−Withdrawal can take time
The verdict
Maribank is simpler and better integrated with Shopee. Tonik offers more savings products (Stashes, Time Deposit, Group Stash) and a physical debit card. Choose based on whether you want simplicity or options.