TymeBank review
Updated September 29, 2026 · SumCue Editorial Team · Facts checked September 28, 2026
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Our verdict
TymeBank suits cost aware shoppers who want a Visa debit linked to a virtual card for daily and online use. Monthly holding costs sit at ZAR 0 with currency conversion at 0%, while support spans email, chat and phone for routine queries each day.
Key facts
- Best for
- Everyday Visa debit for low fee spending
- Monthly fee
- ZAR 0↗
- Currency conversion fee
- 0%↗
- Free ATM withdrawals
- ZAR 0↗
- Card type
- Debit↗
- Card network
- Visa↗
- Legal entity
- GoTyme Bank Limited↗
- Headquarters
- South Africa↗
- Founded
- 2015↗
- Support channels
- Email, Chat, Phone↗
- Features
- Virtual card
- Official website
- gotyme.co.za
Credit cards
- Regulators
- Financial Sector Conduct Authority, National Credit Regulator↗
Facts checked September 28, 2026, 3 sources
Apps and profiles
- Get the app
- App StoreGoogle Play
Pros and cons
Pros
- Monthly fee of ZAR 0 with currency conversion of 0%
- Visa debit of Visa with virtual card through virtual card
- Support across email, chat and phone for everyday account help
Cons
- Free ATM allowance of ZAR 0 limits fee free cash withdrawals
- Card choice centres on debit on Visa, with virtual card through virtual card only
Who it suits
- Shoppers seeking a Visa debit with virtual card use for online payments
- Account holders seeking free monthly upkeep with clear currency conversion terms
Who should look elsewhere
- Readers wanting crypto card extras may prefer Bitpanda for its wider digital asset setting
- Readers wanting trading linked spending may prefer eToro for its investment account setting
Where it sits among rivals
Monthly fee standing sits at 1 among 277 brands, while currency conversion sits at 1 among 206 brands. Free ATM allowance sits at 27 among 70 brands. The pattern points to low account costs with tighter cash access.
Who runs it
The legal operator is GoTyme Bank Limited, based in South Africa and founded in 2015. Day to day help is offered through email, chat and phone, covering email, chat and phone. The setup suits readers who want a clearly identified bank with direct human contact routes.
How TymeBank compares
9.0 vs 9.4
9.0 vs 9.0
9.0 vs 8.9
9.0 vs 9.4
9.0 vs 8.7
9.0 vs 9.2Monthly fee of €0 keeps account costs aligned for readers comparing everyday debit options
9.0 vs 9.4
9.0 vs 8.7
9.0 vs 9.3
9.0 vs 8.9
9.0 vs 8.6
9.0 vs 9.2
9.0 vs 8.4
9.0 vs 8.5
9.0 vs 8.8
9.0 vs 9.0
9.0 vs 8.6
9.0 vs 8.3
9.0 vs 9.5
9.0 vs 9.4
9.0 vs 9.4
9.0 vs 9.3
9.0 vs 9.3
9.0 vs 9.3
9.0 vs 9.3
9.0 vs 9.2
9.0 vs 9.2
9.0 vs 9.2
9.0 vs 9.1
9.0 vs 9.1
9.0 vs 9.1
9.0 vs 9.1
9.0 vs 9.0
9.0 vs 9.0
9.0 vs 9.0
9.0 vs 8.9
9.0 vs 8.8
9.0 vs 8.7
9.0 vs 8.5
9.0 vs 8.4
9.0 vs 8.0- 9.0 vs 8.0
Where TymeBank is available
- Available
- South Africa
- Licence in South Africa
- South African Reserve Bank, checked September 28, 2026
Countries from the brand (Source, checked September 28, 2026)
Frequently asked questions
What does TymeBank charge each month?+
Monthly costs sit at ZAR 0, so you pay nothing to keep the account open. Currency conversion sits at 0%, which helps keep cross border card use predictable. You should still check merchant charges before you pay.
How does currency conversion work on the card?+
Currency conversion is listed at 0%, so card payments in other currencies avoid added conversion margin from the bank. Your total can still reflect merchant or network charges on a given purchase. Always review the final amount at checkout.
What type of card do you get?+
The account provides a debit card on Visa, which you can use for purchases and withdrawals where Visa is accepted. It links to everyday balances rather than a credit line. A virtual card option is also listed through virtual card.
Is a virtual card available?+
A virtual card is included through virtual card, which suits online shopping and app payments. You can keep card details separate from the physical card. Check the app for limits and controls before you use it.
Can you withdraw cash for free?+
Free ATM allowance is listed as ZAR 0, so withdrawals fall outside a free allowance. Costs will depend on the ATM operator and the published fee schedule. If you use cash often, compare that schedule with care.
Who runs TymeBank and how is it regulated?+
The legal operator is GoTyme Bank Limited, based in South Africa and founded in 2015. Listed oversight includes the Financial Sector Conduct Authority and the National Credit Regulator. A licence from the South African Reserve Bank is also recorded.
How can you contact support?+
Support is available on email, chat and phone, covering email, chat and phone routes. You can choose the route that suits routine queries or urgent card issues. Check published hours in the help pages before you contact the team.
Sources
- en.wikipedia.org/wiki/GoTyme_Bank_(South_Africa) checked September 28, 2026
Backs: Founded, Licences
“Founded 2015”
- gotyme.co.za checked September 28, 2026
Backs: Headquarters, Legal entity, Regulators, Support channels
“Johannesburg (Head Office)”
- gotyme.co.za/personal/bank-account/current-account checked September 28, 2026
Backs: Features
“Current Account page lists Virtual Card”
- gotyme.co.za/personal/bank-account/current-account/fees-a... checked September 28, 2026
Backs: Free ATM withdrawals, Card type, Currency conversion fee, Monthly fee, Card network
“Current Account Fees and Charges - Any ATM in South Africa (R10 per R1000) R10”
Compiled from 4 source pages, checked September 28, 2026. We did not open an account.
Not confirmed yet: Protection.