The Philippine Identification System (PhilSys) is the government’s unified national ID program aimed at streamlining access to services, reducing barriers to digital transactions, and advancing financial inclusion nationwide.
Tonik, the Philippines’ first digital-only bank, has become the first in the country to adopt PhilSys ID verification for account opening, self-service ID updates, account upgrades, and account reopening—ensuring speed, security, and simplicity.
Seamless and Inclusive Banking
Tonik accepts all PhilSys ID formats—physical cards, digital copies, and eGov app IDs. Customers can upload a photo directly from their phones without extra devices, making the process fast and convenient. This upgrade helps more Filipinos, especially those who previously struggled to present valid IDs, gain access to Tonik’s services and start building their credit history.
Real-Time Verification Powered by PhilSys API
Through its integration with the PhilSys API, Tonik can verify identities in under 10 seconds using biometric and QR code matching. This eliminates manual checks, strengthens security, reduces fraud risks, and accelerates account onboarding.
Driving Financial Inclusion
With the PhilSys API now publicly available as of August 19, 2025, Tonik is pioneering its use in digital banking. This innovation allows underserved Filipinos to access formal financial services, establish credit histories, and enjoy secure, fully digital banking.
“By leveraging PhilSys, we’re making digital banking faster, safer, and more inclusive for every Filipino,” Tonik emphasized.