GoTyme Bank
Tyme + Gokongwei; kiosk onboarding.
- Who holds it
- The company itself — it holds a full banking licence — PH digital bank license (Tyme x Gokongwei).
- The ledger
- The bank’s own core ledger.
- If it fails
- A covered-deposit payout through the local scheme, up to its limit.
Derived from GoTyme Bank’s regulation type and custody — a class of protection, not a guarantee. Limits and eligibility vary by scheme, balance and jurisdiction; confirm before you rely on it. What happens if a neobank shuts down →
The facts
| Category | traditional |
| HQ | Manila, PH |
| Founded | 2022 |
| Custody | Custodial |
| Regulation type | Licensed bank |
| License detail | PH digital bank license (Tyme x Gokongwei) |
| Card | Visa · Debit |
| Cashback | Rewards |
| Yield | ~4-5% savings |
| Stablecoins | No |
| KYC | Yes |
| Active regions | Asia |
Verified links: official site ↗
Common questions about GoTyme Bank
What is GoTyme Bank?
GoTyme Bank is a fiat neobank, headquartered in Manila, PH and founded in 2022. Your money is held custodially, so GoTyme Bank or its partner bank holds the balance and you hold a claim on it. It is regulated as a licensed bank (PH digital bank license (Tyme x Gokongwei)).
Does GoTyme Bank have a card, and where can you use it?
It issues a Visa debit card. It is available in Asia.
Does GoTyme Bank require KYC?
Yes. GoTyme Bank requires identity verification (KYC) to open an account, as a licensed bank.
What does GoTyme Bank cost?
From the verified fields: cashback Rewards; yield ~4-5% savings. Cashback and yield are "up to" figures that change constantly and often depend on a paid plan — confirm current terms with GoTyme Bank before relying on them.
Peers
Wise · KakaoBank · WeBank · bKash · Maya · GCash
GoTyme Bank appears in
Neobanks that hold their own banking license (132) · Neobanks available in Asia (132) · Neobanks that issue a Visa card (182) · Neobanks in Philippines (6)
Figures compiled from public sources, for comparison only — not financial advice. "Up to" rates change constantly; always confirm with the issuer. Spotted an error? Suggest a fix.