What are Linked Bank Accounts?

Get to know more about Linked Bank Accounts and learn how you can use them while earning rewards

1. What is Linked Bank Accounts and how does it work?

   Linked Bank Accounts lets you pull money from your other bank directly to your GoTyme Bank account— no ATM, no over-the-counter transfer needed. This feature is currently available to Android users only.

   Step 1: Go to Deposit

   From your GoTyme Bank home screen, tap “Deposit” and select “Pull money from another bank”.

   Step 2: Select your linked bank

   Choose the bank account you want to fund from. If you haven't linked a bank yet, you'll be prompted to do so here.

   Step 3: Enter the amount

   Type in how much you want to add to your GoTyme Bank account and tap Continue.

   Step 4: Review and confirm

   Check the details — including any transfer fee your bank may charge — then confirm the transaction.

   Step 5: You're done

   Your GoTyme Bank balance is updated instantly. If your bank charged a transfer fee and this is one of your first 2 Linked Bank Account transfers this month, you’ll receive GoRewards points equivalent to the InstaPay fee. Your GoRewards points are convertible to cash via the GoTyme Bank app.

2. Which banks can I link to?

   GoTyme Bank currently supports linking from BPI and Unionbank.

3. Which banks charge a fee, and how much?

   Fees vary by sending bank. The table below reflects the latest available information as of May 8, 2026, but fees may change at any time. Kindly check with your bank for the most accurate and up-to-date fees.

   Bank	Fee
   BPI	₱15
   UnionBank	Free* for transfers under ₱1,000 (till May 16, 2026) ₱10 starting May 17, 2026 onwards or for transfers above ₱1,000

4. How do I earn the GoRewards points?

   How does it work?

   For your first 2 Linked Bank Account transfers each month, you’ll receive GoRewards points equivalent to the InstaPay fee. If your bank doesn't charge a fee, you will not receive any GoRewards points.

   Bank	Fee	GoRewards Points
   BPI	₱15	18 pts
   UnionBank	₱10	12.5 pts

5. What happens after my first 2 Linked Bank Account transfers in a month?

   Linked Bank Account transfers will still work normally. Your bank's fee still applies, but you will no longer receive GoRewards points until the following calendar month.

6. Is there a limit on how much I can fund per transaction?

   Deposits via Linked Bank Account transfers follow the standard InstaPay transfer limits.

   minimum of ₱100

   maximum of ₱50,000 per transaction

   Note: Some banks may have their own limits set. Please double check with your bank for the most updated information.