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Tonik vs CIMB (GSave)
Side-by-side comparison for 2026. Rates pulled live from each bank monthly.
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
C
CIMB (GSave)
Min balance: ₱0
Interest rate
4%
per year (live)
Best for
GCash users who want to earn interest without switching apps
Features
- • Connected to GCash GSave
- • No minimum deposit
- • Instant transfer to GCash
- • PDIC insured
- • Standalone CIMB app available
FeatureTonikCIMB (GSave)
Interest rate8%4%
Min balance₱0₱0
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
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
−Lower than top digital banks
−Cannot use GSave without GCash
−Customer service issues reported
−Best rate sometimes promo-tied
The verdict
Tonik offers more savings products including time deposits. CIMB GSave is mainly worth using for the GCash integration. If you want to grow your money, Tonik usually wins on the headline rate.