Can I choose PESONet instead of InstaPay after I’ve used up my free transfers?

GoTyme Bank selects the best transfer method based on the amount:

- ₱50,000 and below: Transfers default to InstaPay — these count toward your 20 free transfers. After that, a ₱9 fee applies.
- Above ₱50,000: Your transfer will automatically use PESONet, which is always free.

At the moment, PESONet isn't available for transfers worth ₱50,000 and below — but we're always working to improve flexibility.