Frequently Asked Questions

You will lose the cumulative interest calculated for the month if you close your Go Save before the first day of the month. You may move out your money and keep your Go Save open to still be able to receive the interest on the first day of the following month.

Savings tools are Go Save automation tools that help you save faster. There are currently three savings tools available with your Go Save:

• Auto-save: allows you to auto-transfer any amount into your savings account on a daily, weekly or monthly basis
• Save the change: enables your GoTyme Bank Visa debit card to round up each swipe to the nearest PHP10 or PHP100, depositing those extra amounts into Go Save.
• Set goals: allows you to create separate savings accounts and watch them grow to achieve your various financial goals a set date

"Auto-save" and “Save the change” features can only be activated for 1 Go Save account.

Outgoing international transfers are not available yet. However, GoTyme Bank can already accept incoming international transfers from select sending partners.

• Using your GoTyme Bank account number, you can receive transfers from Wise, World Remit, and RIA.
• Using your GoTyme Bank Visa debit card number, you can receive transfers from PayPal,  Western Union, Remitly, and Money Gram.

Note that transfer times and fees may vary depending on the platform and source country.

GoTyme Bank has a swift code of GOTYPHM2, however, this should not be used yet, as international bank transfers via SWIFT have not been fully enabled. But you can accept international transfers using your GoTyme Bank account number or by using your GoTyme Bank Visa debit card number.

GoTyme Bank customers can scan to pay QR Ph codes of merchants. There is no transaction fee for scanning to pay via QR Ph and this gives you 1 point for every P600 spent on QR Ph payments.
 
Also, GoTyme Bank customers can scan to pay QR codes even if it is an individual account which means the code belongs to a person and not under a business name. This is considered an Electronic Funds Transfer (EFT) and is therefore counted against the three (3) free transfers per week. The transactions thereafter will be charged a P8.00 InstaPay fee. The maximum transaction that can be completed is P50,000.

QR codes without the QR Ph logo will NOT work.

GoTyme Bank gives you 1 point for every P600 spend for QR Ph payments. If the merchant is a partner store, customers can also earn additional points from Go Rewards granted they present their Go Rewards QR code to the merchant at their standard earn rate. Full list of partner stores here: https://www.gorewards.com.ph/partners

To earn up to 3x Go Rewards points, customers may pay using their GoTyme Bank Visa debit card instead.

Please know that all transactions are final and irrevocable. It is advisable to check and validate all information before proceeding with the transaction.

If the amount is less than what was agreed, inform the receiver about the deficit. The sender needs to initiate another transaction for the remaining amount.

As of May 2024, the following billers are available in the app:

Credit Card

1. BPI
2. Metrobank
3. RCBC Bankard

Financial Services

1. Home Credit 

Government Services

1. NBI
2. Pag-IBIG
3. Pag-IBIG Employer
4. Pag-IBIG OFW
5. SSS Miscellaneous
6. SSS Real Estate
7. SSS Short-term Loans
8. TIEZA

Insurance

1. AIA Philippines

Internet/TV

1. Cablelink
2. Royal Cablevision

Telecommunications

1. Bayantel
2. Cignal
3. Converge
4. Globe
5. Innove (Globe at Home)
6. PLDT
7. Smart
8. Sky Affiliates 

Transportation

1. Autosweep RFID
2. Easytrip RFID

Utilities

1. Batangas I Electric Cooperative, Inc. (BATELEC I)
2. Cagayan 1 Electric Cooperative, Inc. (CAGELCO)
3. Cagayan Electric Power and Light Company, Inc. (CEPALCO)
4. Davao Light
5. Laguna Water
6. Laguna Water Aquatech Resources Corporation (LARC)
7. Manila Water
8. Maynilad
9. Meralco
10. Meralco KLoad
11. Visayan Electric
12. Pampanga II Electric Cooperative, Inc. (PELCO II)

More billers will be added soon. Please check back for updates.

No, GoTyme Bank does not charge a fee for bills payment transactions. However, some billers charge additional fees (pass on fees):

The maximum limit for bills payment per transaction is P100,000. However, there is no maximum amount for total bills payment transactions per day.

Scheduled bill payments are currently not available yet, but rest assured that it is currently in the works. Please check back for updates on this feature.

Yes, you may check the app for the status of your bills payment. These are the possible status you may see:

1. Paid – Payment has been posted for real-time billers, or payment has been sent to biller for non-real-time billers​
2. Processing - Transaction is in progress​
3. Failed - Unsuccessful transaction​

There are 2 categories of payments to billers:​

1. RTP - real-time processing (RTP) billers are expected to be posted in real time.
2. Batch - processing of payment from Bayad to the biller is made the next calendar day​

The available RFID billers are for loading and reloading your Autosweep and/or Easytrip RFID. Payments to these RFID billers are expected to be posted in real-time.

You will receive an in-app notification after the bill payment transaction is made. You may also view your transaction history and payment status by swiping up on the “Pay Bills” page in the app.

Please make sure you have the latest version of the application to see the “Pay Bills” feature in the app. You may update the app on Google Play Store for Android users and Apple App Store for iOS users.

QR Ph is the Philippines' QR code standard to enable a quick and safe method to pay using e-wallets and banks in the Philippines.

QR Ph is approved by the Philippine Payments Management, Inc. (PPMI) in accordance with BSP Circular No. 1055.

You can generate your QR code by either of these steps:

Method 1:

1. From the app home page, tap "Deposit"
2. Then tap your QR code at the bottom right

Method 2:

1. From the app home page, tap "Scan QR"
2. Then tap "Show my QR"

No, only QR Ph Person-to-Merchant will earn Go Rewards points.

You  may ask GoTyme Bank to file a claim within 90 days from the transaction date. The turn-around time (TAT) for the receiving bank to respond is up to 15 banking days from the receipt of the claim.

No specific Android or iOS version is required. As long as you're using the latest version of the app and can access or open the app and your mobile device's camera, you can use this feature.

No. GoTyme Bank customers can check their balances and withdraw cash from GoTyme Bank ATMs for free.

Yes, non-GoTyme Bank debit cards will be charged PHP 2.00 for a Balance Inquiry and PHP 18.00 for a Cash Withdrawal.

For both GoTyme Bank and non-GoTyme Bank customers, please contact GoTyme Bank's help channels to report the issue.

• Call #GO8888 (#468888)
• Email help@gotyme.com.ph
• Chat with a helpful human in the GoTyme Bank app

At every GoTyme Bank co-branded ATM, you can do the following:

1. Balance Inquiry
2. Withdraw Cash (enter a specific amount)
3. Fast Cash (choose a pre-determined amount)

The minimum withdrawal amount is PHP 100, and the maximum withdrawal is PHP 10,000.

The total amount you can withdraw per day is PHP 100,000. This is a combination of over-the-counter (via Robinsons Retail cashiers) and GoTyme Bank co-branded ATM withdrawals.

If you use a “Euronet only” ATM, please expect to pay a fee. However, you can avail of free cash withdrawals, fast cash and balance inquiries at GoTyme Bank co-Branded ATMs.

We have partnered with Euronet to bring you our co-branded ATMs located at the following locations:

1. Giga Tower, Bridgetowne, C5 Road, Brgy Ugong Norte, E. Rodriguez Jr. Ave 1110 Quezon City, Philippines.
2. Estancia Mall, Meralco Ave., Ortigas Center, Pasig
3. Gateway Mall II, Cubao, Quezon City
4. Landers Superstore U.P. Town Center, Katipunan Ave., Quezon City
5. Landers Superstore Nuvali, Nuvali Boulevard, Santa Rosa, Laguna
6. One Ayala, 1 Ayala Ave, Makati, 1226 Metro Manila
7. Parañaque Integrated Terminal Exchange (PITX), Parañaque, Metro Manila
8. Robinsons Place Manila, Pedro Gil, cor Adriatico St, Ermita, Manila, 1000 Metro Manila
9. Robinsons Galleria, Ortigas Ave, Ortigas Center, Quezon City, Metro Manila
10. Robinsons Cyberscape Gamma by RL Commercial REIT, Inc. (RCR), Topaz and Ruby Roads, Pasig, Metro Manila
11. Robinsons Magnolia, Aurora Blvd, corner Doña Hemady St, New Manila, Quezon City, Metro Manila
12. Ayala Malls Vertis North, North Ave, Diliman, Quezon City, Metro Manila
13. Spark Place, 317 P. Tuazon Blvd, Cubao, Quezon City, Metro Manila
14. Robinsons Antipolo, Sumulong Highway, L. Sumulong Memorial Circle, Antipolo, 1870 Metro Manila

By end of this year, expect to see more ATMs strategically located across key areas in the country such as malls, transportation terminals, groceries, offices, and tourist spots. Stay tuned.

You can deposit funds from your BPI account to your GoTyme Bank account in two ways. Fees may apply and change upon BPI's discretion.

Bank transfer via InstaPay (Maximum amount is P50,000)

1. Go to your BPI app.
2. Click "Transfer" and choose "To another bank".
3. Select "Instapay", and find "GoTyme Bank" in the list.
4. Add your GoTyme Bank account number and account name. You can check "Add to Favorites".
5. Confirm details.

Bank transfer via PESONet

1. Go to your BPI app.
2. Click "Transfer" and choose "To another bank".
3. Select "Pesonet", and find "GoTyme Bank" in the list.
4. Add your GoTyme Bank account number and account name. You can check "Add to Favorites".
5. Confirm details.

You can deposit funds from your BDO account to your GoTyme Bank account in two ways. Fees may apply and change upon BDO's discretion.

Bank transfer via InstaPay or PESONet

1. Go to your BDO Online app.
2. Click on "Send Money" and choose "To another local bank".
3. Input desired amount to transfer.
4. Select "Credit to Other Bank" as Transaction Type, and find "GoTyme Bank" in the list.
5. Add your GoTyme Bank account number and account name. You can save this as a Template.
6. Confirm details.

Bank transfer via via QRPh

1. Go to your GoTyme Bank app.
2. Click on "Scan QR" and choose "Show my QR". You can opt to save your QR to your gallery.
3. Go to your BDO Online app.
4. Click on "Send Money" and choose "Via QR".
5. Scan or upload your GoTyme Bank QR.
6. Enter the desired amount to tranfer.
7. Confirm details.

You can deposit funds from your UnionBank account to your GoTyme Bank account in three ways. Fees may apply and change upon UnionBank's discretion.

Bank transfer via InstaPay (Maximum amount is P50,000)

1. Go to your UnionBank Online app.
2. Tap on "Send Money" and choose "Other Banks and EWallets".
3. Tap "InstaPay".
4. Select the UnionBank account you wish to transfer from.
5. Find and select "GoTyme Bank" in the list.
6. Add your GoTyme Bank account number and account name.
7. Enter the amount you wish to transfer and select "Fund Transfer" as the purpose.
8. Confirm details and tap "Transfer".

Bank transfer via PESONet (Maximum amount is P500,000)

1. Go to your UnionBank Online app.
2. Tap on "Send Money" and choose "Other Banks and EWallets".
3. Tap "Pesonet".
4. Select the UnionBank account you wish to transfer from.
5. Find and select "GoTyme Bank" in the list.
6. Add your GoTyme Bank account number and account name.
7. Enter the amount you wish to transfer and select "Fund Transfer" as the purpose.
8. Confirm details and tap "Transfer".

Deposit via Linked Bank Account (2 FREE deposits per month, P8 fee applies thereafter)

1. Go to your GoTyme Bank app.
2. Click "Deposit" and choose "Link account/Online deposit".
3. Click "Confirm and deposit".
4. Log into your UnionBank account.
5. Confirm details.

You can deposit funds from your Metrobank account to your GoTyme Bank account in three ways. Fees may apply and change upon Metrobank's discretion.

Bank transfer via InstaPay (Maximum amount is P50,000)

1. Go to your Metrobank Mobile app.
2. Click "Transfer to Other Bank".
3. Choose "InstaPay".
4. Find and select "GoTyme Bank" in the list.
5. Add your GoTyme Bank account name and account number
6. Select the Metrobank account you wish to transfer from.
7. Submit and confirm with your OTP.

Bank transfer via PESONet (Maximum amount is P200,000)

1. Go to your Metrobank Mobile app.
2. Click "Transfer to Other Bank".
3. Choose "PESONet".
4. Find and select "GoTyme Bank" in the list.
5. Add your GoTyme Bank account name and account number
6. Select the Metrobank account you wish to transfer from.
7. Submit and confirm with your OTP.

You can deposit funds from your Security Bank account to your GoTyme Bank account via online bank transfer. Fees may apply and change upon Security Bank's discretion.

Bank transfer via InstaPay

1. Go to your Security Bank Mobile App.
2. Select "Transfer", and tap on "Other Banks".
3. Select the Security Bank account you wish to transfer from.
4. Find and select "GoTyme Bank" in the list.
5. Add your GoTyme Bank account name, account number, and the amount you wish to transfer. You can add to your favorites.
6. Agree with the Terms and Conditions, then click "Submit".
7. Confirm details with your OTP.

You can deposit funds from your GCash account to your GoTyme Bank account in twi ways. Fees may apply and change upon GCash's discretion.

Bank transfer via InstaPay

1. Go to your Gcash app.
2. Click on "Transfer".
3. Tap on "View All", and select "GoTyme Bank" in the list.
4. Input the amount you wish to transfer.
5. Add your GoTyme Bank account name and account number.
6. Click on "Send Money".
7. Confirm details and tap "Pay".
8. Confirm with your OTP.

Bank transfer via QRPh

1. Go to you GoTyme Bank app.
2. Click on "Scan QR" and tap on "Show my QR".
3. Download your personal QR.
4. Go to your GCash app.
5. Click on "Transfer", and tap on "Scan/Upload Bank QR".
6. Scan or upload your personal GoTyme Bank QR.
7. Enter the amount you wish to transfer, and click on "Send Money".
8. Confirm details and tap "Pay".
9. Confirm with your OTP.

You can deposit funds from your Maya account to your GoTyme Bank account in three ways. Fees may apply and change upon Maya's discretion.

Bank transfer via InstaPay (From Maya Wallet)

1. Go to your Maya Bank app.
2. Tap "Bank Transfer".
3. Find and select "GoTyme Bank" in the list.
4. Enter the amount you wish to transfer.
5. Add your GoTyme Bank account name and account number.
6. Tap "Transact Now". You can save details.

Bank transfer via InstaPay (From Maya Savings)

1. Log into your Maya Bank app and open your Savings account.
2. Tap "Transfer", then click on "Other Banks and Wallets."
3. Select "GoTyme Bank" in the list.
4. Add your GoTyme Bank account name and account number.
5. Enter the amount you wish to transfer.
6. Select "InstaPay", and tap on "Continue".
7. Confirm details, then select "Transfer".

Bank transfer via PESONet

1. Log into your Maya Bank app and open your Savings account.
2. Tap "Transfer", then click on "Other Banks and Wallets."
3. Select "GoTyme Bank" in the list.
4. Add your GoTyme Bank account name and account number.
5. Enter the amount you wish to transfer.
6. Select "Pesonet", and tap on "Continue".
7. Confirm details, then select "Transfer".

A multi-currency time deposit offers higher and fixed interest rates compared to a regular savings account, along with a specified lock-in period. This option provides diversification opportunities across currencies and additional potential gains through currency appreciation.

You can initiate a Multi-currency time deposit account with a minimum deposit of just US$ 1. There are no constraints on the maximum deposit amount, and you have the flexibility to open as many time deposit accounts as necessary, depending on your needs.

To place a Multi-currency time deposit, you can initiate the process by converting your PHP (Philippine Peso) from your GoTyme Bank account to the desired currency based on the prevailing exchange rate indicated in the mobile bank application. Simply follow the steps provided by your GoTyme Bank platform, and you'll be able to open a Multi-currency time deposit account with ease. 

You may select a duration that suits your financial objectives and preferences. Currently, the available tenures for USD Time Deposit are 3 months and 6 months, with a special introductory rate of 5% p.a.

Interest is calculated based on the amount deposited, the selected currencies, and the fixed interest rate, quoted in a per annum basis. Sample computation: 
(Initial deposit x Applicable interest rate) x (Number of days / 365)
 
Example: If the deposit placement during the introductory offer period is US$ 1,000 with a chosen duration of 6 months, the interest earned upon maturity is (US$ 1,000 x 5%) x (184 days / 365) = US$ 25.21
 
Interest accrued will be shown everyday but will be credited to your account upon maturity date. 

Interest earnings are consistently subject to taxation in compliance with regulations. For time deposits denominated in US Dollars, the relevant tax rate is 15%, which is lower than the 20% tax rate applied to PHP interest income. 

Yes! You can withdraw your funds anytime at zero fees/penalties. However, the interest you’ve earned will be forfeited if funds are withdrawn before maturity.

Upon maturity, the interest earned from your time deposit account will be credited and the total amount will automatically be renewed at prevailing interest rates and previously selected duration. If you don’t plan on renewing your time deposit, you may withdraw the initial deposit and the credited interest earned any time after the initial maturity date.

While time deposits are generally considered low-risk, fluctuations in exchange rates could affect returns if you deposit in foreign currencies.

You will earn 1 Go Rewards point for every bill paid worth at least P100.

Each Go Save will earn 4% interest per annum. However, only Php 500,000 will be insured across all accounts.

The savings in your Go Save can be transferred to your GoTyme Bank account , which can then be withdrawn or used in your payment transactions. However, you will only receive the interest relative to the number of days that the funds are in your Go Save.

You may check your Go Rewards points balance on the home screen of your GoTyme Bank app.

Your account number, which has 12 digits, can be found in your Profile and Account Details, and it can be used for bank transfers. Meanwhile, your card number, which has 16 digits, can be used for card purchase transactions. 

The passcode is used to access your GoTyme Bank account via the app or to log in at the kiosk. The PIN is sometimes used for your card transactions or purchases and is the same set of numbers you use when you withdraw at an ATM.

Cards can be replaced in any GoTyme Bank kiosk  with a P200 balance deduction from your account. Feel free to call our hotline at #GO8888 (#468888) for further assistance.

Please contact our customer service hotline at #GO8888 (#468888) as soon as possible. 

You may also try to retrieve your phone number from your telecom provider. Once their requirements have been met, they can provide you with a SIM card with your lost number, which can be used to access your GoTyme Bank account.

You can deposit funds from your Robinsons Bank account to your GoTyme Bank account in three ways. Fees may apply and change upon RBank's discretion.

Bank transfer via InstaPay (Maximum amount is P50,000)

1. Go to you RBank Digital app.
2. Tap "Transfer", then select "Make a new transfer".
3. Tap "Another Bank" under "New Transfer" page.
4. Choose "Instapay".
5. Select "GoTyme Bank" in the Transfer to list.
6. Add your GoTyme Bank account number and name.
7. Select the RBank account you wish to transfer from, and press "Continue".
8. Confirm details, then tap "Transfer".

For any concerns or complaints related to transactions at Robinsons partner stores, you may contact our Customer Success team through the following channels:

• Chat via our app
• ⁠Speak to a Personal Banker by calling #GO8888 (#468888)
• ⁠Email us at help@gotyme.com.ph

We are dedicated to resolving issues promptly.

Withdraw for FREE in any of our partner Robinsons Retail merchants! Find a branch of these stores nearest you via the GoTyme Bank app.

1. Robinsons Supermarket
2. Robinsons Department Store
3. Robinsons Easymart
4. The Marketplace
5. Shopwise
6. No Brand
7. Southstar Drug
8. Handyman

You can also use your free GoTyme Bank Visa debit card to withdraw from GoTyme Bank co-branded ATMs, or from any Bancnet ATM.

Due to the BPI and RBank merger, withdrawals via Robinsons Bank ATMs will be subject to fees effective April 1, 2024.

Over-the-counter

Effective July 1, 2024, deposit for FREE up to 2x monthly via dedicated or priority lanes at our Robinsons Retail partner stores. Succeeding deposits will incur a low 0.5% fee of the total deposit amount. Find a branch of these stores nearest you via the GoTyme Bank app.

1. Robinsons Supermarket (1 cashier counter or Customer Service)
2. Robinsons Department Store  (1 cashier per floor)
3. The Marketplace (1 cashier counter or Customer Service)
4. Shopwise (1 cashier counter or Customer Service)
5. Robinsons Easymart
6. No Brand
7. Southstar Drug
8. Handyman

You may also deposit to your GoTyme Bank accounts through your nearest 7-Eleven stores for a low fee starting from 1.5%. 

Online Bank Transfer

You may also deposit to your GoTyme Bank account by moving money from your other bank accounts via PESONet and InstaPay. Refer to your other bank's app for instructions.

You may also deposit via linking your BPI, UnionBank, Chinabank, and RCBC accounts to your GoTyme Bank account via the app.

1. In the GoTyme Bank app homescreen, tap "Deposit"
2. Then tap "Online / via linked account"
3. Select your bank
4. Enter the amount you want to deposit.
5. Log in to your selected bank account to link it and complete your deposit.

Mobile Check Deposit

You may deposit to your GoTyme Bank account by depositing a local check issued to your name. You will need to take a photo of the check and submit it through the GoTyme Bank app.

1. On the GoTyme Bank app home screen, tap "Deposit."
2. Tap “Check deposit.”
3. Read the check deposit reminders, then tap “Deposit a check”.
4. Take photos of the check, both front and back. Make sure it is all in the frame – not cropped, not blurred, and no glare.
5. Upload the photos.
6. Check whether the details captured by the app match the details on the check.
7. Tap “Yes, all correct”. Otherwise, retake the photo.
8. Enter the amount and the date on the check, then confirm.

You will then see that your check deposit is in progress. Note that checks received by 3:00 p.m. on regular banking days will be processed the same day and credited to your account on the following banking day. Checks received after 3:00 p.m. or on weekends and holidays, will be processed on the next banking day and credited to your account on the second banking day.

You will earn 1 Go Rewards point for every P600 spend, or a part of it.

Yes, The conversion rate is 1 Go Reward Point : 0.90 cents.

Yes. The GoTyme Bank app will give you an option to use the entire or only a portion of your Go Rewards points, giving you the flexibility to use it all up or partially pay with cash.

Yes. Your mobile load purchase will earn 1 Go Rewards point: P600, just as you normally get when purchasing using your own GoTyme Bank funds.

The Go Rewards points that you intended to use for the VAS purchase will automatically be converted to cash using 1 Go Rewards point: 0.90 and will be part of your account balance.

All current app features are available to international users, some examples listed below:

• Virtual Debit Card Transactions
• Pay Bills
• Buy Load
• Go Save
• USD Time Deposit
• GoTyme to GoTyme Bank Transfers - free, real-time, & unlimited
• Three Free Transfers to other Philippine banks or e-wallets weekly
• Deposits from overseas partners
• Access to In-app chat support

You can get your physical debit card via a GoTyme Bank kiosk in the Philippines. Regardless, even without the physical card, you will still have access to all the features in the GoTyme Bank App and you can all transact using your virtual debit card online and earn 1 Go Rewards point : P600.

You may contact us through the in-app chat or send an email to help@gotyme.com.ph.

Yes, GoTyme Bank accounts will be maintained in Philippine Peso wherever you go.

Only Filipino citizens who own an international mobile number from the accepted list of countries, with valid and acceptable IDs, who are at least 18 years old, and are either Android or iOS users can open a GoTyme Bank account.

Yes, the process is the same as when you are changing the number locally:

1. Select the human icon.
2. Tap “change” beside the mobile number.
3. Take a selfie.
4. Enter your new mobile number.
5. Enter the OTP.
6. Tap “done.”

Depositing money from anywhere in the world is fast and safe with GoTyme Bank. Move money to your GoTyme Bank account via Ria, Wise, Payoneer, PayPal and more using your GoTyme Bank account number or Visa debit card number.

Open the GoTyme Bank app and click ‘Deposit’, the click ‘Overseas deposit’ to learn more.

Right now, USD is the only currency available. More currencies will be released soon!

The interest rate on your USD Time Deposit accounts will remain the same until the maturity date. The rate you agreed upon when you opened the deposit will not change, regardless of any changes in the bank's interest rates.

If you choose to renew your time deposit at maturity, the new interest rate will be based on the current rates at the time of renewal. If the renewal happens while the introductory offer rates are active, the renewed time deposit will have the 5% p.a. interest rate.

Newly opened USD Time Deposits during introductory offer period will earn 5% p.a. interest. USD Time Deposits opened before and after the introductory offer rate period will be subject to the prevailing interest rate. 

GoTyme Bank is the first bank to be integrated as a destination account in BSP Coin Deposit Machines. 

The process is similar to deposits done over the counter in our partner stores.

1. On the GoTyme Bank app, tap “Deposit”.
2. Tap “In-store deposit”.
3. Input the exact amount of coins you wish to deposit.
4. Choose “Coin Deposit Machine (CoDM)” to generate a barcode.
5. Scan the barcode via the reader on the Coin Deposit Machine.
6. Check your updated balance.

A deposit barcode should only be generated on the GoTyme Bank app after all coins are deposited into the machine. In case the machine barcode reader is not working, you will need to input the barcode number manually.

BSP’s Coin Deposit Machines can be found in several malls and supermarkets. You may use the map on your GoTyme Bank app to check for a machine nearest you. You may also visit BSP’s website for a map of Coin Deposit Machine locations.

Note that ALL Coin Deposit Machines accept GoTyme Bank as a destination account.

The minimum deposit amount is PHP100.00 and the maximum is PHP20,000 per transaction. Deposits via CoDMs are FREE.

All current app features are available to international users, some examples listed below:

1. Bills Payment
2. Buy Load
3. GoTyme Bank to GoTyme Bank Transfers – free, real-time, & unlimited
4. Three free transfers to other banks/e-wallets weekly
5. Up to 5 Go Save accounts
6. US Dollar Time Deposit
7. Virtual debit card transactions
8. Deposits from overseas
9. Access to in-app chat

You can only get your physical debit card via any GoTyme Bank kiosk in the Philippines. However, even without the physical card, you will still have access to all the features in the GoTyme Bank app and make online purchases using your virtual debit card and earn 1 Go Rewards point for every P600 spend.

You may contact us through the in-app chat or send an email to help@gotyme.com.ph.

Yes, GoTyme Bank accounts will be maintained in Philippine Peso wherever you go.

Only Filipino citizens who own an international mobile number from the accepted list of countries, with valid and acceptable IDs, who are at least 18 years old, and are either Android or iOS users can open a GoTyme Bank account.

Yes, the process is the same as when you are changing the number locally:

1. On the GoTyme Bank app homepage, select the human icon.
2. Tap “Change” beside the mobile number.
3. Take a selfie for verification.
4. Enter your new mobile number.
5. Enter the OTP you'll receive.
6. Tap “Done.”

Depositing money from anywhere in the world is fast and safe with GoTyme Bank. Move money to your GoTyme Bank account via Ria, Wise, Payoneer, PayPal and more using your GoTyme Bank account number or Visa debit card number.

Open the GoTyme Bank app and click ‘Deposit’, the click ‘Overseas deposit’ to learn more.

Mobile Check Deposit allows GoTyme Bank customers to deposit local checks issued to the customer’s name by taking a photo of the check and submitting the photo to GoTyme Bank via the app.

1. On the GoTyme Bank, tap “Deposit”
2. Tap “Check Deposit”
3. Take a photo of both sides of the check and wait for confirmation

You can deposit a check on any day at any time.

Checks received during banking days up to the clearing cut-off of 3:00 p.m. will be processed within the day. Checks received after the 3:00 p.m. clearing cut-off, during weekends, or holidays will be processed on the next banking day.

You may monitor the status of your check deposit via the GoTyme Bank app.


All GoTyme Bank customers with active accounts can deposit a locally issued check in their name. The check must also be deposited to their name.

Mobile check deposits are FREE for all GoTyme Bank customers.

You can deposit large amounts up to P499,999.99 per check. There are currently no limits on the number of checks you can deposit per day.


Only check deposits to GoTyme Bank accounts are available at the moment. Customers cannot issue GoTyme Bank checks.

Post-dated checks are supported by the Mobile Check Deposit feature. There is also no limit on the future dates on post-dated checks. However, the check will only be processed on the indicated date.

You can deposit back-dated checks for as long as it is within 179 days from the indicated date on the check. Back-dated checks will be processed on the date of submission if they are received within the clearing cut-off at 3:00 p.m. Checks received after the 3:00 p.m. clearing cut-off, during weekends, or holidays will be processed on the next banking day.

No, GoTyme Bank only currently accepts locally issued checks in Philippine Peso (PHP).


You can only cancel post-dated checks at least one business day before the indicated check date.  No additional fees will be incurred. Non-post-dated checks cannot be cancelled. You may check the status of the check in the GoTyme Bank app.

Check images submitted for Mobile Check Deposit with “disqualifications” are NOT acceptable and are considered invalid. These include:

1. Checks with alterations, including signatures on erasures, smudges, tears, or stale dates.
2. Checks with ink colors other than black or blue.
3. Checks with insufficient information or exceed the check deposit limit.
4. Checks with multiple endorsements or payable to payees other than the account holder.
5. Checks drawn on foreign financial institutions.
6. Checks with images from non-original paper checks.
7. Checks payable to multiple entities or joint accounts.
8. Checks with counterfeits or non-compliance with clearing house requirements.
9. Checks with differing amounts in words and figures.
10. Checks with restricted validity.
11. Checks previously negotiated, canceled, or deposited at other banks.
12. Checks previously dishonored, rejected, or returned, including checks dishonored by the issuer.
13. Checks stamped with “no sufficient funds” or “account closed.”
14. Checks issued by known criminals, terrorists, terrorist organizations, or terrorist financers.
15. Checks payable to cash or bearer.

Checks will be processed on the indicated check date. Funds will be available in your account 1 business day after the stated date on the check.

GoTyme Bank is a new digital bank for the Philippines, with the mission to bring about better financial inclusion for a greater majority of the Filipinos from day one.

GoTyme Bank is a partnership between the Gokongwei Group, one of the biggest conglomerates in the Philippines, and the Singapore-headquartered digital banking group Tyme. This venture combines the trusted Gokongwei Group brand, reputation, and multi-industry operations with Tyme’s globally proven digital banking technology and hands on experience to add an exciting new player to the Philippines’ banking community.

The bank is fully licensed and regulated by the Bangko Sentral ng Pilipinas (BSP). Deposits are insured by PDIC up to P500,000 per depositor.

As a BSP-authorized digital bank, GoTyme Bank offers transactions, transfer and rewards services that digital wallets provide, but with the additional benefit of offering full banking services such as interest-earning deposit accounts, no balance limits, and investments.

GoTyme Bank is available on iOS and Android devices. In addition to the app, GoTyme Bank offers a unique self-service kiosk, which enables customers to open an account and receive a working Visa debit card in a matter of minutes.

GoTyme Bank offers an exciting set of digital payments, debit card payments, savings, and rewards products via its iOS and Android app:

1. GoTyme Bank Account: A free account you get when you successfully sign up with GoTyme Bank. Yes, FREE. No maintaining balance, no minimum deposit required.
2. Go Save:  A savings account that lets you earn up to 10x more interest (vs traditional banks).  No missions, no limits. Activate up to 5 Go Save accounts and watch your savings grow.
3. Multi-currency Time Deposit: A savings account that offers higher fixed interest rates compared to regular savings accounts while also benefiting from potential gains through currency appreciation 

With GoTyme Bank, your money is safe!

GoTyme Bank is a licensed bank regulated by Bangko Sentral ng Pilipinas (BSP) and all bank deposits with us are insured by the Philippines Deposit Insurance Company (PDIC) up to PHP 500,000.00 per depositor.

GoTyme Bank accounts are currently available to Filipino citizens with a valid Philippine address, ID, and mobile number. You must also be at least 18 years old to open an account.

We currently do not support foreign nationals and FATCA-subject individuals (e.g. US citizens, permanent resident or Green card holders), but trust that we are always working on making GoTyme Bank accessible to more people.

Opening a GoTyme Bank account and getting a physical Visa Debit ATM card are FREE! Some transactions may come with a fee, but we promise this will always be displayed when you make a transaction in the GoTyme Bank app. 
 
You may also refer to the schedule of transaction charges below:

*Effective July 1, 2024.

**Effective June 29, 2023. Three free transfers weekly reset every Monday 12AM.

GoTyme Bank kiosks enable bank customers to open an account and receive a GoTyme Bank Visa debit card in minutes.

Opening an account with GoTyme Bank is easy, paperless, and can be done in under five minutes.

Once you have downloaded the app, open the app and follow the on-screen instructions. You will need your Standard Philippine issued ID, mobile number, and personal details to open an account.

1. Your own Philippine mobile number
2. Your valid Philippine ID. Any of the following are acceptable:
   • Passport
   • UMID
   • SSS ID
   • Postal ID
   • PRC
   • Driver’s license
   • Voter’s ID
   • PhilSys ID
3. Some simple personal information such as your name, address, occupation.

We ensure that our use of your personal information is in compliance with the Data Privacy Act of the Philippines which is found in the GoTyme Bank Privacy Policy.

Enjoy these exciting services and perks with your GoTyme Bank account:

• Open up to 5 interest-earning Go Save accounts and monitor your savings with our savings tools (Auto-save and Save the change).
• Enjoy higher interest rates with the multi-currency time deposit for as low as USD 1
• Send money to other banks via PESONet and InstaPay for FREE up to 3x per week, or always FREE to other GoTyme Bank accounts.
• Shop with your GoTyme Bank Visa debit card and earn points wherever. Save more when you use your Go Rewards points to pay in our partner brands,  a feature exclusive to GoTyme Bank.
• You can also buy load and other digital vouchers in the GoTyme Bank app.
• Scan QR Ph and earn Go Rewards points when you pay supported merchants.
• Pay your bills and buy load right on the app.

Yes! You can earn 4% interest per year, paid monthly to your Go Save account. There is no minimum or maximum deposit balance requirement to earn interest.

Sample computation:
(End of day balance x 4%*) x (1/365 days)

*4% applies starting March 1, 2024

Interest earned from your Go Save account is credited every 1st of the following month and is subject to 20% withholding tax. Enjoy saving!

We've made your GoTyme Bank account number accessible in the most convenient ways! From the GoTyme Bank app:

• On the home page, tap on 'Deposit' to see your bank details. You can also tap on 'My account' to view your account and transaction details.
• On the Profile page, under 'Info' to view your Personal Information, including your Account Number. You can copy the number in case you need to use it, make inbound transfers, or share with your contacts when making a funds transfer.

You can now easily generate a bank statement or bank certificate in the GoTyme Bank app for free, and receive it via email within an hour. These documents are legally-accepted by relevant institutions. Here’s how to generate:

1. In the app home screen, tap Profile or All Recent Transactions.
2. Tap Bank statement or Bank certificate.
3. Confirm or input the email where the document/s will be sent to.
4. Input the required details.
5. Receive the documents via email within an hour.

The document/s will be sent as password-protected PDF. Instructions will be included in the email you’ll receive.

You may request for a Bank statement up to 3 times per day, while for a Bank certificate up to 5 times per day.

For erroneous entries or any further clarifications on your requested document/s, you may speak to a helpful human via our Customer Success channels. Call #GO8888 (#468888), email at help@gotyme.com.ph, or chat with us in the GoTyme Bank app.

To ensure your ID and selfie are captured accurately during the account opening process, you may follow the instructions on the app screen.

ID capture

1. Check your camera lens is clean and not covered by a phone case.
2. Ensure your ID is placed on a flat, high-contrast surface. For example, if you have a light coloured ID, place it on a dark surface.
3. Hold your camera directly over the ID so that the four corners align with the on-screen guides.
4. Ensure you are in a well-lit room, with no light reflections on the ID.
5. Wipe the ID to remove any possible smudges or dirt.
6. Try another ID from our list.

Selfie capture

1. Check your camera lens is clean and not covered by a phone case.
2. Ensure you are in a well-lit room.
3. Use an ID with a photo that looks most like you today. Eyeglasses, facial hair, or other features may affect the matching.
4. Hold your camera directly in front of your face and try moving your phone closer or further away from your face, as directed by the instructions on the screen.

If you have tried the above and are still encountering issues, please contact GoTyme Bank via our Customer Success team: Get help from a human. Call #GO8888 | E-mail help@gotyme.com.ph

You may provide your GoTyme Bank mobile number, email address or account number to the sender.

To transfer money:

1. In the app homescreen, tap "Send / Transfer"
2. Tap on the GoTyme Bank logo
3. Input the recipient's account details (mobile number, account number or e-mail address)
4. Then input the amount
5. Confirm the transaction 

Note that transfers between GoTyme Bank customers are instant and FREE!

You can send money to a non-GoTyme Bank customer via PESONet and InstaPay. Please take the following steps:

1. In the app homescreen, tap "Send / Transfer"
2. Tap on "Other banks"
3. Select the receiving bank
4. Enter the recipient's bank account details
5. You will be required to enter your passcode or pass a quick facial ID check to approve the transfer before it is sent.

Details and the status of your transfer will be displayed in your transaction history. 

Please note of the following:

1. InstaPay transfers should be instant. However, there is a limit per transaction of PHP 50,000.00.
2. PESONet transfers allow you to send PHP 50,001 or more, but it may take one (1) to three (3) banking days to clear and reflect in the receiver's account.

Please check the Limits tab in the GoTyme Bank app for a full list of amount limits.

PESONet transfers are processed on banking days, subject to the sender or receiver bank's cut off time. For GoTyme Bank transfers, expect it to be credited within 1-3 banking days.

Cutoff times vary per bank and can affect when your transfer will take effect. Please check the processing times of your sender or receiver bank as well.

Your transfer may be unsuccessful for the following reasons:

1. Connection timeout (GoTyme Bank, PESONet or InstaPay).
2. Receiving financial institution time out or system downtime.
3. Account number of the recipient is not existing with the receiving financial institution.
4. Account number is invalid.
5. Customer uses an international account details.

The fund transfer amount will be credited back to your GoTyme Bank account the next banking day.

We encourage our customers to double-check all the details before confirming the transfer. Successful transfers are final but if you need help, please contact our Personal Bankers.

Speak to a helpful human. Call #GO8888 | E-mail help@gotyme.com.ph 

You may check your transfer limits from the 'Limits' screen found in your profile in the GoTyme Bank app.

We are here to help!

Get help from a human. Call #GO8888 | E-mail help@gotyme.com.ph

You can find the 'Buy Load' button by tapping the GO button on the home page. Follow the on-screen instructions to purchase mobile data or vouchers.

You can get the GoTyme mobile app from the official Apple App Store or Google Play Store.  At this point, we do not support the Huawei App Gallery.

GoTyme Bank kiosks are located nationwide. Their locations can be found on the “In-store deposit” section of the GoTyme Bank app and also on the GoTyme Bank website.

Earn Go Rewards points wherever you use your GoTyme Bank Visa debit card to shop! Earn up to 3x Go Rewards points in Robinsons partner brands, and 1 point for every P600 spend everywhere else - online, in-store and worldwide.

Robinsons Partner Brands
•    Cebu Pacific 
•    Robinsons Supermarket
•    Robinsons Easymart
•    The Marketplace
•    Shopwise
•    Robinsons Department Store
•    Toys R Us
•    Rose Pharmacy
•    Southstar Drug
•    Daiso Japan
•    Robinsons Appliances
•    Savers Appliances
•    No Brand
•    Handyman
•    True Value
•    Super 50
•    Pet Lovers Centre

GoTyme Bank automatically awards your Go Rewards points for all your qualified spend. If you feel that you did not get the right amount of points, please contact our Customer Success team for more help.

We are here to help!

Get help from a human. Call #GO8888 | E-mail help@gotyme.com.ph

You can use your Go Rewards and pay with points with Go Rewards partner merchants. Just present your Go Rewards QR code from the GoTyme Bank app, or the Go Rewards bar code found at the back of your GoTyme Bank Visa ATM debit card. The points redemption scheme in partner stores is 1 Go Rewards point = PHP 1.00.
 
You can also maximize your savings and redeem your Go Rewards points as cash! You can do this directly from your GoTyme Bank app. The redeemed cash will be credited directly and instantly to your GoTyme Bank account. The points to cash conversion rate is 1 Go Rewards point = PHP 0.80. The maximum you can redeem per day is 1,000 Go Rewards points which is equivalent to PHP 800.