It’s always been challenging to open a bank account for most Filipinos due to a number of factors. Tonik, an all digital bank, aims to reduce the hurdles in opening an account to encourage people to save more.
Anyone can open a Tonik bank account using only the Tonik App (available on Android and iOS), an ID, and a well-lit selfie. Accepted IDs are: Philippine passport, Philippine Driver’s license, UMID, SSS ID, PRC ID, and Firearms ID.
Don’t have any of these IDs? You’re still eligible to opening an account. The account will be active for 12 months with a maximum balance of PhP 50,000. That should be enough time to secure an ID.
After creating an account, a user can easily put money in through the following: Debit Card, Online via GCash, BPI, Unionbank, and Coins.ph, and over-the-counter partners like 7 Eleven, Cebuana Lhuiller, Mlhuillier, and SM Payment.
Savings, interest rates, stashes
Tonik’s aim, like most digital banks in their early stages, is to get people to save. There are plenty of ways to save to encourage people to do so.
Earns as much as six (6) percent per annum. Starting amount can be set to as low as PhP 5,000. There are also no early withdrawal fees or penalties.
Every registered account has a one (1) percent base interest rate per annum. Pay out is monthly.
This is the fun part. Stashes are essentially digital piggy banks for specific purposes. Say, you’re saving for a smartphone or whatever shiny new piece of tech you have your eye on, you can put money in a specific stash so you can easily monitor how well your savings are coming along.
A Solo Stash lets gets users a four (4) percent per annum interest rate. Meanwhile, a Group Stash lets you team-up with another Tonik user for your savings goals earning you a 4.5 percent interest rate. These can be withdrawn anytime without a lock-in period.
Digital banking is also a welcome development with the Coronavirus pandemic still terrorizing the planet. Plenty of merchants have adopted an all digital solution. Tonik also offers a virtual card that you can use for online purchases.
Is it secure?
Tonik is asking for some personal data and, of course, your hard-earned cash. Naturally, you’d want to know if it’s safe and secure.
First, the money concerns. Tonik is supervised by the Bangko Sentral ng Pilipinas (BSP) and your money is insured by the Philippine Deposit Insurance Corporation (PDIC) up to a maximum of P500,000 per depositor.
For digital protection, the company outlines the following:
- User account security is protected against fraud by the DAON server-based face check security feature. This ensures that no one can access a customer’s account by feigning his identity in case the account owner’s mobile phone is lost or stolen, even if the face ID is changed.
- Passwords are safeguarded from the moment of their creation through RCA asymmetric encryption of account holders’ One-Time Pins and passwords. The level of encryption utilized for this feature is the
same as that used by intelligence agencies
and the military.
- Customer data is stored safely in Amazon cloud with Advanced Cloud Security provided by AWSshield that effectively eliminates external threat like cyberattacks and data theft.
- 256-bit encryption protection puts all transactions through secure channels that cannot be intercepted. Our security operations center monitors all customer-related activities for any possible external threats.
If you’re having any sort of difficulty navigating the app and its features, Tonik has the following customer support channels:
- In-app chat
- Tonik Digital Bank Viber chat
- Customer Service email: [email protected]
- Customer Service hotline: (02) 5322 2645
The name doesn’t immediately make you think of digital banking and the company says it’s intentional. Asked why they chose it during a media briefing, they said it’s easy to remember and doesn’t have any strong association with anything.
The company also has quite a nice and cool vibe to it. You’ll realize this with how things are worded when you interact more with the app.
As of April 27, 2021, Tonik users are able to transfer funds from a PESONet participating bank to their accounts. This service is initially available via RCBC, Landbank, PSBank and CIMB, with other PESONet member banks expected to add the service in the coming months.
Cybersecurity updates for Google Chrome
Safety, speed, and security
So much of our digital space’s safety relies on securing our privacy from privy eyes. This is why Google released updates for Chrome to easily navigate and control your privacy settings.
It can be disconcerting when certain websites require access to one’s microphone, location, and camera. But, with the updated site safety controls, it’s now easier to now keep track of which site has permission to specific information.
- Tap the lock icon on the left side to open the updated panel. There, you’ll find what permissions are granted for a particular site.
- From there, you will be able to easily toggle between sharing and not sharing access to important information for apps and sites.
In an upcoming release, an option will be added to delete a site from browsing history in Chrome.
Cybersafety and cybersecurity updates
Google is expanding its Site Isolation. If you haven’t kept up, this is Google’s security feature that protects people from malicious websites. It works by processing each site separately, so they can’t access data they’re not supposed to. Well with this update, Site Isolation will be covering a broader range of sites, as well as extensions.
With speed and security in mind, Google’s update has one more thing for us: phishing detection. With phishing continuing to be a leading threat on the web, Chrome has been improved with even better image processing in Chrome. Phishing detection is now 50 times faster.
Both site isolation and phishing detection updates have not only optimized safety but also, Chrome’s speed and battery use – keeping you safe and swift.
On the topic of speed,
Chrome Actions have made tasks easy and fast. From, typing “delete history” to “edit passwords,” Chrome Actions performs tasks at your beck and call. Since its introduction in November 2020, people have been using Chrome Actions millions of times. And now, there are even more tasks you can have Chrome do.
Try these out:
For example, typing in “safety check” allows security checks of passwords and scan for malicious extensions. And, typing “manage security settings” or “manage sync” enables quick access to relevant controls.
These new updates are coming to Chrome on Android, Windows, Mac, Linux, and Chrome OS in the upcoming weeks.
mWell: new health & wellness app for Filipinos
Because, really, we needed this.
Metro Pacific Health Tech Corporation (MPHTC) is looking to transform the digital health care ecosystem. With what, you ask? Well, with mWell. mWell is a health and wellness app made for every Filipino’s holistic well-being by providing you the medical aid you deserve through a secure digital space.
mWell has partnered with CareSpan, Philcare, Keralty Clinic, board-certified doctors and health practitioners. That way, they can give you access to the best digital medical aid.
For doctors, clinics, and hospitals
Doctors, clinics, and hospitals all over the country are welcome to sign up to mWell. With it, they can set up their own virtual clinic and virtual labs for free. From there, they’ll be able to easily book and manage digital appointments, access patients’ confidential medical records, and issue e-prescriptions.
If you’re a board-certified doctor who isn’t tech savvy, don’t worry. You’ll be given a quick and easy training to be able to access all of mWell’s services so you can immediately digitize your practice and reach more patients nationwide.
For the everyday Filipino
mWell provides everyday Filipinos access to professional consultations, wellness programs, products, and drug delivery services. With the partnership of Medicard, you can book COVID-19 testing services.
Starting August, mWell will let you access e-Pharmacies. From buying prescribed meds and getting them delivered to your doorstep, to buying PhilCare health insurance products for dengue, accidents, and emergencies, they’ve got you covered. They’re even launching nationwide virtual medical missions.
On September, mWell is partnering with Aktivolabs to let you monitor and track physical activities, sleep schedule, and stress so you can work on improving your health and wellness. And, for PLDT Home customers, you can avail free consultation with mWell doctors. The app is available for Android and iOS.
5 Memoji-inspired outfit ideas: His and Hers
Play dress up virtually with the public beta preview of iOS 15
Unveiled at this year’s Worldwide Developers Conference keynote are new customization options coming to Memoji on iMessage, including a much-awaited feature: outfit selection.
In 2019, Apple rolled out the most significant Memoji customization update. That year, users were able to apply makeup, change hair color, wear piercings and jewelry, and pick from different styles of headwear and glasses. The only thing missing was being able to choose clothing.
If you have the public beta of iOS 15 installed, you can now virtually play dress up and plan outfits for those trips you’ve been dreaming of and activities you’ve been deprived of after a year of quarantine.
#1 Romantic date night
Who doesn’t like dressing up for a romantic date that will take you from a dinner at a restaurant to a cocktail or two at a speakeasy? Changing out of pajamas can do wonders to your mood.
His: a crisp long sleeved button down and his favorite hat
Hers: a flirty dress and statement earrings
#2 Stroll at the botanical garden
Has your apartment turned into a mini greenhouse with all the indoor plants you’ve adopted? Driving to the nearest botanical garden will either make you feel zen and content, or convince you that your plant collection is insufficient.
His: a breezy shirt and a pair of sunglasses
Hers: a colorful sundress and a top bun
If there’s anything we learned about ourselves this past year, it’s that we all desire to be out in nature from time to time. A safari trip might not be realistic right now, but no one’s stopping you from imagining one.
His: a two pocket utility shirt and a cowboy hat
Hers: a loose tunic and a fedora
Sunny weekend at the beach
No summer is complete without a beach trip; and no beach trip is complete without some refreshing piña coladas, swimsuits that show off your summer bod, and copious amounts of sunscreen.
His: a linen top and a pair of polarized sunglasses
Hers: a long coverup, a pair of pearl earrings, and a straw hat
Hike in the fall
Not a beach person? Maybe the mountains and autumn foliage are more your jam. Just make sure to stay warm from top to toe without sacrificing style and comfort.
His: a cable knit sweater and a fisherman’s hat
Hers: a turtleneck sweater and a beanie
BONUS: Big business convention
There’s never a bad time to get a good blazer or a pantsuit. You might not be able to wear them out to trade shows yet, but looking your best for Zoom meetings is always appropriate.
His: an olive green knit blazer, a black oxford shirt, and a skinny tie
Hers: a beige blazer, a pair of cat-eye glasses, and a pair of gold earrings
Apart from more than 40 different outfits, multicolored headwear, and new options for glasses, iOS 15 offers nine new Memoji stickers that include a shaka, a hand wave, a light bulb moment, and more.
iOS 15 will be available this fall as a free software update. If you’re interested in trying new Memoji outfits now, you can sign up for the public beta here: https://beta.apple.com/sp/betaprogram/
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