GoTymeX

GoTymeX

Digital banking enabling financial inclusion

Overview

TymeX provides digital banking solutions for emerging markets by linking digital services with physical retail channels to reach underbanked populations. It designs and launches greenfield banks, such as TymeBank in South Africa, and rolls out digital banking propositions across regions like Singapore, Ho Chi Minh City, and Johannesburg, using a microservices-based, secure technology stack that supports rapid feature delivery. Its approach blends a retail footprint with digital banking and a modular architecture to offer scalable, secure financial services unlike traditional banks. The goal is to expand financial inclusion by making digital banking accessible through retail partnerships and regulatory approvals.

About GoTymeX

Simplify's Rating
Why GoTymeX is rated
B-
Rated B on Competitive Edge
Rated B on Growth Potential
Rated C on Differentiation

Industries

Fintech

Financial Services

Company Size

N/A

Company Stage

N/A

Total Funding

N/A

Headquarters

Singapore

Founded

N/A

Simplify Jobs

Simplify's Take

What believers are saying

  • GoTyme crossed 10 million users and ₱53 billion deposits by July 2026.
  • Parent companies injected $13.9 million in July 2026 after April 2025's $10.4 million.
  • Wise-powered transfers now reach 170 countries, lifting unique users over 85 percent.

What critics are saying

  • GoTyme still posted a ₱2.95 billion net loss, keeping external capital dependence high.
  • Pick n Pay kiosk exits in March 2026 cut one retail acquisition channel.
  • A funding drought would strand the phygital model against Maya and CIMB.

What makes GoTymeX unique

  • GoTyme is the only Philippine digital bank with Apple Pay, launched August 4, 2026.
  • Its Gokongwei Group kiosks and mall hubs give GoTyme physical acquisition edges.
  • Visa named GoTyme the Philippines' most-used Visa debit card issuer in February 2026.

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Benefits

Health Insurance

Meal Benefits

Paid Vacation

Paid Sick Leave

Performance Bonus

Company Equity

Company News

DealStreetAsia
Jul 4th, 2026
JV partners inject fresh capital into PH digibank GoTyme

The latest infusion follows a $10.4m capital injection in April last year

Innovation Village
Nov 27th, 2025
Tyme Group partners with Visa to drive financial inclusion across emerging markets

Tyme Group partners with Visa to drive financial inclusion across emerging markets. The Tyme Group, owner of TymeBank, South Africa's first profitable digital bank, has announced a new multi-year, multi-market partnership with Visa aimed at accelerating financial inclusion and digital payment innovation in South Africa, Southeast Asia, and beyond. TymeBank, launched in February 2019, has grown into South Africa's third-largest bank by customer base, serving 11 million customers. The bank boasts R7 billion in deposits, a network of 1,000 kiosks, and 15,000 retail points nationwide. While Tyme started as a South African venture, the group - now headquartered in Singapore - expanded to the Philippines in 2022 and operates a technology and product development hub in Vietnam, where it plans to launch a new bank. Across all markets, Tyme serves 20 million customers.

Bob Reyes
Jun 29th, 2025
Tyme Group, GoTyme Bank's Major Shareholder, Named to TIME's 100 Most Influential Companies of 2025

Tyme Group, the major shareholder behind the Philippines' rapidly expanding GoTyme Bank, has been named to TIME Magazine's 2025 list of the 100 Most Influential Companies in the World.

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