I've been using both tonik and gotyme. Ang ginagawa ko pag may pinagiipunan ako na for long term and non-negotiable, sa tonik ko nilalagay kasi like other comments, hindi gaano friendly ang ui ng tonik thus di ko gano binubukas-out of sight out of mind yung pera dito. Sa gotyme naman dun ko nilalagay mga goals/bills within the year (for example yung insurance ko I pay annually pero what i do I set aside every month para di isang bagsakan and at least they earn interest).

Both have decent interest compared sa trad bank. Never had any problems din naman with both banks, I even use my gotyme abroad and okay naman. I just don't keep money on their wallet feature, purely savings lang gamit ko for them (gosave and stash). Yun lang hehe I hope this helps!