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GoTyme Bank review

Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026

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Our verdict

GoTyme Bank suits Filipino families and travellers who want everyday spending, multi-currency balances and crypto in the same place. Currency conversion costs 1%, matching the site median of 1%, so readers who convert often may find a cheaper deal in the alternatives listed.

Key facts

Best for
A family debit card that holds several currencies, crypto and a virtual card on the same account.
Currency conversion fee
1% (Source, checked September 26, 2026)
Card type
Debit (Source, checked September 26, 2026)
Card network
Visa (Source, checked September 26, 2026)
Custody
Custodial (Source, checked September 26, 2026)
Legal entity
GoTyme Bank Corporation (Source, checked September 26, 2026)
Headquarters
Philippines (Source, checked September 26, 2026)
Support channels
Email, Chat, Phone, Help-centre (Source, checked September 26, 2026)
Features
Multi-currency, Crypto, Virtual card, Travel
Official website
gotyme.com.ph

Credit cards

Currency conversion fee
1% (Source, checked September 26, 2026)
Legal entity
GoTyme Bank Corporation (Source, checked September 26, 2026)
Headquarters
Philippines (Source, checked September 26, 2026)
Support channels
Email, Chat, Phone, Help-centre (Source, checked September 26, 2026)
Features
Multi-currency, Crypto, Virtual card, Travel

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
LinkedInX

Pros and cons

Pros

  • Features cover multi currency, crypto and virtual card, so multi-currency balances, crypto, a virtual card and travel are all part of the account.
  • Support runs through email, chat and phone, so you can reach the team by email, chat or phone, or use the help centre.
  • Regulated by Bangko Sentral ng Pilipinas, with GoTyme Bank Corporation as the legal entity behind accounts based in the Philippines (PH).
  • A debit card running on the visa network, so it works wherever that network is accepted.

Cons

  • Currency conversion costs 1%, which places it at 125 of 259 brands on the list and above 0.1% at Wise.
  • Custody is custodial (custodial), so the provider holds the balance rather than you holding the keys.
GoTyme Bank

Ready to try GoTyme Bank?

Scored 9.4 / 10 by DebitCue.

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Who it suits

  • Families in the Philippines who want a debit card for everyday spending across several currencies.
  • Parents sharing one account, since features cover multi currency, crypto and virtual card and a virtual card and crypto balances sit alongside everyday spending.
  • Travellers who hold several currencies and accept a conversion fee of 1%.

Who should look elsewhere

  • Wise, if you convert often and want a currency conversion fee of 0.1% rather than 1%.
  • Bitpanda, if a conversion fee of 0% on a card is the priority.
  • Starling Personal Account Debit Card, if a conversion fee of 0% suits you better than 1%.

Deposit protection

GoTyme Bank holds the balance for you, so deposit safety here rests on custody. The account is custodial (custodial), which means the provider keeps the funds rather than a wallet you control. Ask the bank what happens to the balance if the provider fails and check what the account terms say about who can move the money.

How GoTyme Bank compares

Where GoTyme Bank 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 kind of card does GoTyme Bank issue?+

It is a debit card that draws on your GoTyme Bank balance rather than on credit, and it runs on the visa network. Support covers email, chat and phone, so you can reach the team by email, chat or phone, or browse the help centre yourself.

What does it cost to convert currency?+

The currency conversion fee is 1%, the same as the site median of 1%. That puts it at 125 of 259 brands on the list. Wise lists 0.1% and Starling Personal Account Debit Card lists 0%.

Is my money protected in the account?+

Custody is custodial (custodial), so GoTyme Bank Corporation holds the balance on your behalf rather than you holding the keys. Bangko Sentral ng Pilipinas is the regulator for accounts based in the Philippines (PH), and the account terms set out what happens if the provider cannot continue.

What can the account be used for?+

Features cover multi currency, crypto and virtual card, so multi-currency balances, crypto, a virtual card and travel all sit on the same account. The debit card runs on the visa network, which suits a family that wants everyday spending and travel handled together.

Who runs the account and which regulator watches it?+

The legal entity is GoTyme Bank Corporation, and the account is based in the Philippines (PH). Bangko Sentral ng Pilipinas is the listed regulator. Anyone opening an account from outside the country should read the account terms first, since the setup is domestic.

How do I get help when something goes wrong?+

Support runs through email, chat and phone, which means email, chat, phone and a help centre. Put questions about charges, including the 1% currency conversion fee, in writing so you keep a record alongside the account terms of GoTyme Bank Corporation.

Can a family keep several currencies and crypto together?+

Yes: features cover multi currency, crypto and virtual card, so multi-currency balances, crypto, a virtual card and travel are listed together. Because custody is custodial (custodial), the provider holds those balances for the family, and support runs through email, chat and phone if someone needs help setting up a family member's card.

Sources

  • bsp.gov.ph checked September 26, 2026

    Backs: Licences

  • 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/account-terms-and-conditions checked September 26, 2026

    Backs: Custody, Legal entity

    “Custody and safekeeping of your virtual assets”

  • 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”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Monthly fee, Free ATM withdrawals, Protection.

GoTyme Bank

GoTyme Bank

A family debit card that holds several currencies, crypto and a virtual card on the same account.

9.4/10See alternatives