How many free transfers do I get every month?

You get 20 FREE InstaPay transfers every month when sending money to other banks or e-wallets. Your counter for the 20 transfers resets on the 1st of every month.

Once you’ve used up your free quota, a ₱9 fee per InstaPay transfer applies. You can also use your Go Rewards points to cover these fees.

• GoTyme Bank to GoTyme Bank transfers are always free, real-time, and unlimited.
• PESONet transfers are also free.

For reference, we previously offered:

• 3x FREE Weekly InstaPay transfers (before January 13, 2025)
• Pay One Free One (POFO) InstaPay transfers from January 13, 2025 to September 2, 2025

The current 20 FREE InstaPay transfers per month model replaces these schemes to give you a simpler, predictable benefit.