GoTyme Bank is a free finance app created by GoTyme Bank Corporation to provide you with a better online banking experience. All you need to do is sign up for an account using a Philippine mobile number, home address, and a valid ID.

This digital banking app offers a free virtual Visa debit card that you can use for online shopping or print a physical card by visiting a dedicated GoTyme kiosk near you. The app also lets you earn Go rewards points every time you use your debit card, which you can use at partner shops.

Grow your money and make free withdrawals

This all-digital bank allows you to enjoy a 3% annual earning rate with your savings with no minimum balance required. You can also create up to five Go Save accounts where you can set different target goals with varying dates of a target so you can save at your preferred pace. Smart saving tools are also included to stay on top of your savings easily.

You can get up to three free interbank transfers with the app every week and perpetually free transfers to fellow GoTyme Bank users. Deposits and withdrawals are also free at dedicated cashiers in Robinsons Supermarket, Robinsons Department Store, selected Robinsons Retail outlets, and Robinsons Bank ATMs, allowing you to have easy access to your cash with no worries at all times.

While the service may entice many users, it's essential to note that this is only available to Philippine residents. Additionally, any inquiries and concerns will only be answered by dedicated customer service, but only during banking hours. Thus, if you encounter any issues with the app's services outside banking hours, you must wait until the next banking day for it to be tended to.

Next-level banking for Philippine residents

GoTyme Bank offers various financial services that are fast, secure, and convenient, albeit only for the Philippines. Despite that caveat, it's still great for those who want to experience features not offered by traditional banks, such as interest-earning savings with no required daily balance, reward points with every debit card use, and free interbank transfers. You can sign up for an account in as little as five minutes.