GoTyme review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
GoTyme pays a variable rate of 3% and opens from a minimum deposit of PHP 0, so saving, spending and investing share one app aimed at beginners in the Philippines. It suits first time savers who want daily interest, money back on demand and a regulated bank behind the balance.
Key facts
- Best for
- One app for saving, everyday spending and a small first investment in the Philippines.
- Headline rate
- 3%↗
- Rate type
- Variable↗
- Minimum deposit
- ₱0↗
- Access terms
- GoalSave: withdraw anytime back to Deposit Account; interest calculated daily on daily ending balance, credited monthly (no notice period stated)↗
- Account kind
- Easy access↗
- Regulators
- Bangko Sentral ng Pilipinas↗
- Legal entity
- GoTyme Bank Corporation↗
- Headquarters
- Philippines↗
- Founded
- 2022↗
- Support channels
- Chat, Email, Phone, Help-centre↗
- Official website
- gotyme.com.ph
Brokers
Apps and profiles
- Get the app
- App StoreGoogle Play
- Elsewhere
- LinkedInXtiktok.com
Pros and cons
Pros
- GoalSave interest is calculated daily on the daily ending balance and credited monthly, so the return keeps building without locking the money.
- A minimum deposit of PHP 0 means a first saver can start at any amount.
- Transfers to another GoTyme account cost nothing, and other rails follow GoTyme to GoTyme free; 20 free InstaPay monthly then P9.
- Support runs through chat, email and phone, and the account is reached on GoTyme Bank app and kiosk.
Cons
- The variable rate means 3% can move, so the headline figure is a starting point rather than a locked return.
- It ranks 249 of 488 brands on headline rate, so shopping elsewhere pays more.
- The investing side carries market risk, with 70.15% of retail accounts losing money, and crypto is held on a custodial basis.
Who it suits
- Filipino beginners who want saving and spending together, since GoTyme lists beginners and an easy access account.
- Savers who need access on demand, with GoalSave paying interest daily and crediting it monthly.
- People making a small first move into stocks and crypto while keeping a cash balance alongside.
Who should look elsewhere
- Rate chasers, since Wise pays 3.29% on interest, above GoTyme.
- Fixed rate seekers, since Finteres offers 0% to 36% on a term, where GoTyme pays a variable rate.
- Readers in the UK or Europe, since GoTyme is headquartered in Philippines and regulated by Bangko Sentral ng Pilipinas.
How GoTyme compares
9.0 vs 8.0
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Where GoTyme is available
- Available
- Philippines
- Licence in Philippines
- Bangko Sentral ng Pilipinas, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What rate does GoTyme pay on savings?+
GoTyme pays a variable rate of 3%, the same figure it shows as cash interest. That sits at the site median of 3%, and GoTyme ranks 249 of 488 brands ranked on headline rate.
Is there a minimum deposit to open an account?+
The minimum deposit is PHP 0, so an account can be opened without tying up a large balance. GoTyme ranks 1 of 379 brands on minimum deposit, which makes it one of the easiest accounts to start.
How do I get my money back out?+
GoalSave is an easy access account, so money returns to the Deposit Account whenever you want it, with interest calculated daily and credited monthly. Transfers between GoTyme accounts are free, and other payment rails follow GoTyme to GoTyme free; 20 free InstaPay monthly then P9.
Who regulates GoTyme and where is it based?+
GoTyme is GoTyme Bank Corporation, headquartered in Philippines and regulated by Bangko Sentral ng Pilipinas. It began in 2022 and is run through GoTyme Bank app and kiosk, so the balance sits with a bank rather than an investment platform.
What does it cost to move money and spend abroad?+
Sending money to another GoTyme account is free, and other transfers follow GoTyme to GoTyme free; 20 free InstaPay monthly then P9, which sets out the monthly free InstaPay allowance before a charge applies. Spending runs on a debit card on the visa network, with a currency conversion fee of 1%.
What can I do besides saving?+
GoTyme also covers stocks and crypto and lists 12 coins through a cex exchange, with crypto held on a custodial basis. The site median for retail accounts that lose money is 70.15%, so the investment side carries risk the savings side does not.
Which platforms and support can I use?+
The account is handled in the GoTyme Bank app and kiosk, so a kiosk is part of the setup rather than an app only service. Support runs through chat, email and phone, which covers chat, email, phone and a help centre.
Who is GoTyme aimed at?+
GoTyme lists beginners as its audience, and the savings side is shaped for people starting out. A minimum deposit of PHP 0 and daily interest credited monthly suit a first saver, while multi currency, crypto and virtual card features cover the everyday banking side.
Sources
- gotyme.com.ph checked September 26, 2026
Backs: Features, Headquarters, Support channels
“The beautiful GoTyme Bank Visa debit card is your key to earning Go Rewards points with every purchase in-store, online, or even abroad”
- gotyme.com.ph/about-us checked September 26, 2026
Backs: Founded, Regulators, Licences
“2022 GoTyme Bank started PH operations”
- gotyme.com.ph/account-terms-and-conditions checked September 26, 2026
Backs: Custody, Legal entity, Platforms, Rate type
“Custody and safekeeping of your virtual assets”
- gotyme.com.ph/crypto checked September 26, 2026
Backs: Exchange type
“Closed-loop protection - Your money stays within the GoTyme Bank app - no external wallets or transfers”
- gotyme.com.ph/help/go-crypto/how-to-use-your-go-crypto/wh... checked September 26, 2026
Backs: Coins listed
“Go Crypto Supported Coins ... Aave (AAVE), Avalanche (AVAX), Bitcoin (BTC), Bitcoin Cash (BCH), Polkadot (DOT), Ethereum (ETH), Chainlink (LINK), Litecoin (LTC), Solana (SOL), Uniswap (UNI), and...”
- gotyme.com.ph/move-money checked September 26, 2026
Backs: Deposit and withdrawal fees
“Sending money from one GoTyme Bank account to another is forever free”
- gotyme.com.ph/payments checked September 26, 2026
Backs: Card type, Currency conversion fee, Card network
“Visa Debit Card: Use your rewarding debit card to pay in-store, online, or any country where Visa is accepted”
- gotyme.com.ph/ph-stocks checked September 26, 2026
Backs: Audience, Markets
“Investing in PH stocks with GoTyme Bank is designed for all levels, from beginners to advanced investors”
- gotyme.com.ph/save-and-invest checked September 26, 2026
Backs: Access terms, Account kind, Interest on cash, Headline rate, Minimum deposit
“Yes. You can withdraw anytime by moving money from GoalSave back to your Deposit account.”
Compiled from 9 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Term, Deposit protection.
GoTyme
One app for saving, everyday spending and a small first investment in the Philippines.