GoTyme Bank review

Reviewed by iTechGuides Editors · Editorial team · Updated Nov 2026

GoTyme Bank is a BSP-regulated digital bank for customers in the Philippines, with personal accounts managed through iOS and Android apps. It suits people who want app-based banking but still need ways to deposit cash, pay bills and send money internationally. Account access has no subscription fee, and the linked virtual and physical debit card gives customers two card formats. Cash funding is available through partner retail stores, 7-Eleven locations and cash deposit machines, as well as bank transfers.

Its main distinction is combining everyday banking with several additional services in one app. Customers can set customizable savings goals, transfer money to GoTyme or other banks, and receive international transfers through SWIFT. International transfers are available to 200+ countries and territories. The app also provides access to Philippine stock investing through DragonFi, a third-party licensed broker, while Wise is among its listed integrations. This breadth may suit users who want cash services and remittances alongside routine account tasks; someone seeking only a narrow savings or investing product may prefer a more focused option.

GoTyme Bank has a free account model rather than a published subscription tier structure, but that does not mean every transaction is free: fees may apply to some services. Support is available by email, phone and chat, and the service combines mobile banking with physical cash-service locations and account-opening kiosks. A 4% per annum savings rate has been advertised in a dated article, so it should not be treated as a current standard yield. Choose GoTyme for Philippine personal banking where cash deposits and international transfers matter; look elsewhere if your decision depends on a specific current savings return or avoiding transaction fees.

GoTyme Bank pros and cons

• Where it wins
  • Cash deposits are supported at partner stores and cash deposit machines.
  • International transfers cover 200+ countries and territories.
  • The app combines savings goals, bill pay and Philippine stock access.
• Where it doesn't
  • Transaction fees may apply to some services.
  • Stock investing is provided through a third-party licensed broker.
  • The cited 4% per annum savings rate comes from a dated article.

GoTyme Bank fact sheet, pricing and score →

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Last updated 14 Nov 2026 · How we research and update