What is Tendo and how does it work?

Tendo by Tonik is a mobile finance app that provides budgeting tools, cash loans, automated savings with up to 6% interest, bill payments, insurance products, and installment purchases with partner merchants. You download the app, sign up, log in, and use its features to manage finances, track expenses, set goals, and access credit.

What countries does Tendo operate in?

Tendo operates in the Philippines.

How do I sign up for Tendo?

Download the Tendo by Tonik app from the App Store, then sign up directly in the app.

Does Tendo have a mobile app?

Yes, Tendo has a mobile app for iPhone (iOS 13.0 or later) and iPod touch.

Who is Tendo best suited for?

Tendo is best suited for individuals managing personal finances, budgeting, savings, loans, bill payments, and insurance in the Philippines.

How do I contact Tendo support?

Email helpdesk@tendopay.ph for questions or feedback.

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Tendo: Funding, Reviews & Alternatives (2026) – Liners

Tendo

Name: Tendo
Brand: Tendo

🇬🇭 Ghana 🇳🇬 Nigeria

A mobile reselling and dropshipping app for African merchants to find wholesale products, set profit margins, sell on social media, and outsource delivery.

Available on:AndroidiOS

Visit Tendo

Tendo is a mobile reselling and dropshipping platform for individuals in Africa who want to start an online business without upfront capital, while helping suppliers reach customers through a reseller network.

Key capabilities include:

Wholesale product catalog with 1000s of items listed at wholesale prices, so resellers can choose products to market without holding inventory
Profit margin control that lets resellers add their own profit to each product before sharing it with customers
Social selling workflow for sharing product listings via channels such as WhatsApp and Facebook, turning personal contacts into customers
Fulfillment and delivery handled by the platform, including placing orders in-app for customers and having delivery completed on the reseller’s behalf, with profit paid out after a sale

Available on Android and iOS via a dedicated mobile app.

Target users include individual resellers (students, freelancers, side hustlers), plus that want their products listed at wholesale price for independent resellers to sell.