Tonik Digital Bank has expanded its app with mobile load, telco promos and game credits, Manila Bulletin reported.

Customers can top up their own number or anyone else’s by entering a mobile number, according to Unbox.

Load and promos go straight to the recipient’s number, while game credits arrive by SMS.

Tonik does not charge additional fees on these purchases, One More Game reported.

Load For Any Number, Credits by SMS

Load is available for telcos including Globe, Smart, TNT, TM, DITO and GOMO, with promo bundles covering data, calls and SMS.

Game credits cover titles such as Mobile Legends, Roblox, Genshin Impact and PUBG Mobile, across mobile and PC platforms.

Tonik said it does not sell credits, PINs or vouchers for online gambling, e-casino or online cockfighting (e-sabong) products.

“Load and game credits are small purchases, but they happen every week,” said Greg Krasnov, Founder and CEO of Tonik.

He added that each purchase gives customers a reason to stay with Tonik instead of switching between several apps.

E-wallets such as GCash also sell telco and gaming load in their apps.

Built Around Loans, Not Load

Tonik said the expanded features support its lending-led strategy rather than replace it.

Lending made up 99% of Tonik’s annualised revenue run-rate, which exceeded US$60 million as of April 2026, as per DealStreetAsia.

Tonik reached cash flow breakeven at group level in the first quarter of 2026, a few months after its parent company, Tonik Financial, raised US$12 million in a Pre-Series C round.

Featured image: Edited by Fintech News Philippines based on images by yogiermansyah22 via Magnific and Greg Krasnov via LinkedIn.