UNIONBANK to TONIK: Transfer Funds for FREE

Need to transfer funds from a Unionbank account to a Tonik account? Do it for FREE!

Last update: January 31, 2023

OPTION 1: Indirect Transfer Via Bayad

1. Transfer funds from Unionbank to Bayad (Linked Bank Account).

2. Transfer funds from Bayad to Tonik (InstaPay).

OPTION 2: Indirect Transfer Via CIMB

1. Transfer funds from Unionbank to CIMB (Dragonpay Bills Payment).

2. Transfer funds from CIMB to Tonik (InstaPay).

OPTION 3: Indirect Transfer Via Seabank

1. Transfer funds from Unionbank to Seabank (Direct PESONet, or Additional Indirect Transfers through other banks. Click here for options).

2. Transfer funds from Seabank to Tonik (InstaPay).

OPTION 4: Indirect Transfer Via Netbank

1. Transfer funds from Unionbank to Netbank (Direct PESONet, or Additional Indirect Transfers through other banks. Click here for options).

2. Transfer funds from Netbank to Tonik (InstaPay).

As of September 12, 2022, direct cash in from Unionbank Online from the Tonik app will incur a P30 transaction fee. Below option is not FREE anymore:

Top Up via Tonik App

Transfer Mode: InstaPay

1. Go to the Tonik App and login.

2. Click on Top Up - Online Transaction - Unionbank.

3. Follow the in-app instructions.

Happy transferring!

#TeamZeroFees