---
title: "GoTyme Bank: Current Account, Savings and Loans"
description: "Open a free current account in South Africa, collect a Visa debit card at kiosks, and save with GoalSave up to 10% interest."
canonical_url: "https://liners.com/gotyme-bank"
markdown_url: "https://liners.com/gotyme-bank.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/gotyme-bank/screenshot.webp?v=1786553407680"
published_at: "2026-05-26T11:36:33.797Z"
updated_at: "2026-10-05T05:10:51.251Z"
---

# GoTyme Bank: Current Account, Savings and Loans

Open a free current account in South Africa, collect a Visa debit card at kiosks, and save with GoalSave up to 10% interest.

## Breadcrumbs

- [Banking](/categories/banking)
- [GoTyme Bank](/gotyme-bank)

## Summary

Free digital banking with savings, payments, and card access

A South African digital-only bank for consumers, offering a free current account, GoalSave savings up to 10% interest, instant payments, vouchers, and credit features.

## Product details

| Field | Value |
| --- | --- |
| Website | https://gotyme.co.za/personal |
| Tagline | Free digital banking with savings, payments, and card access |
| Primary country | South Africa |
| Platforms | Android, iOS, Web |
| Average rating | 5 |
| Published reviews | 1 |
| Verified listing | No |

## About the product

GoTyme Bank is a South African digital-only bank for individuals who want a mobile-first current account, savings options, and everyday payment tools without a monthly account fee.

Key capabilities include:
- **Free current account** with app-based onboarding using **selfie/biometric verification**, plus **Visa debit card** collection via in-store **kiosks**
- **Save and invest** with **GoalSave** (advertised **up to 10% interest**) and **Fixed Deposit** accounts
- **Move money and pay** using **Instant Payments** to South African bank accounts and cellphone numbers, **SendMoney vouchers**, plus cash access via **tills** and **ATMs**; selected actions are available via **USSD**
- **Shop and credit options** such as **virtual card** support, **Apple Pay**, **MoreTyme** pay-in-3 interest-free instalments (subject to approval), and credit products including **personal loans** and **GrantAdvance**

Available on **Android** and **iOS**, with a network of **kiosks** and **Customer Hubs** for card collection and assistance. Limited web access exists for users with an active legacy internet banking profile.

Target audience: **South African consumers** seeking digital banking for day-to-day transactions, saving, and access to credit.

Notable in the local market for combining app-based banking with physical support points (kiosks and Customer Hubs), and for disclosing that **deposits are insured by the Corporation for Deposit Insurance up to R100,000 per depositor**. The bank is an authorised **FSP 49140** and a registered credit provider (**NCRCP 10774**).

## Features

- [Banking](/categories/banking): Category
- [Agent Network](/tags/agent-network): Product feature or technology
- [B2C](/tags/b2c): Product feature or technology
- [Neobanks](/tags/neobanks): Product feature or technology
- [Personal Finance](/tags/personal-finance): Product feature or technology
- [Savings](/tags/savings): Product feature or technology
- [South Africa](/countries/south-africa): Market

## Related pages

- [Alternatives](/gotyme-bank/alternatives)
- [Reviews](/gotyme-bank/reviews)
- [Transparency](/gotyme-bank/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/gotyme-bank)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)