How to Order GoTyme Card: Guide on eligibility, benefits, and more

GoTyme¹ is a digital bank which offers customers in the Philippines accounts to save, transfer, spend, and earn rewards. You can also get a handy GoTyme debit card linked to your GoTyme Bank account, which you can use at home and abroad conveniently.

This guide covers how to order a GoTyme Card, how to earn rewards as you spend, and where to get your GoTyme Card at a kiosk for instant use. We’ll also talk about the Wise card, a handy way to spend in 150+ countries. Let’s get right into the details.

What is the GoTyme Card?

GoTyme Bank is a digital bank which was formed through a partnership between the Gokongwei Group, and the Singapore based digital banking group Tyme². GoTyme Bank offers customers various banking services, including an account for saving and spending, which comes with the option to order a free GoTyme debit card.

The GoTyme Card is linked to your bank account, allowing you to spend and withdraw your balance conveniently here and when you travel. You can also earn reward points on your card spending which you can convert to cash. As GoTyme partners with popular retailers, there are also great opportunities to earn bonus points if you shop with GoTyme Bank preferred partners.

Read on for more on how to get a GoTyme Card in the app or in person, and what you can do with your card once you have it.

GoTyme Card benefits

The GoTyme Card can be used to spend from your GoTyme account, and to make cash withdrawals. You can use your card at home and abroad wherever the network is accepted, including at GoTyme co-branded ATMs which have no fee, and at other out of network ATM terminals for a charge.

The key GoTyme Card benefit - apart from convenience - is that you can earn GoTyme Points as you spend. GoTyme Card points can be converted to 1 PHP as cash added to your account, and earning levels are set depending on where you happen to be. You’ll earn 1 point for every 600 PHP spent on most transactions, but you can earn 3x the number of points when you spend with GoTyme partner retailers which include Cebu Pacific and Robinsons.

GoTyme offers a physical card and a virtual card for customers. This means that you can order your physical card and then start using your virtual card right away if it's not convenient to collect your card immediately. Virtual cards can be used online and in app for simple spending. You can’t use them in an ATM though - you’ll need your physical card for that.

Is GoTyme a credit card?

GoTyme does not offer credit or loans at the time of writing. The GoTyme Card is a debit card which is linked to your GoTyme account. When you spend the funds are deducted from your account balance instantly. You’ll need to make sure you have enough in your account to cover the costs of your purchases or withdrawals - or your transaction will be declined.

Where can I withdraw using a GoTyme Card?

You can make ATM withdrawals anywhere the card network is accepted - either in the Philippines or overseas. If you're taking out cash in the Philippines, look out for GoTyme co-branded ATMs, which have no fee for cash withdrawals or for balance enquiries. There are 14 co-branded ATMs at the time of writing, which we’ve listed out below - and more are being rolled out all the time.

• Giga Tower, Quezon City
• Estancia Mall, Pasig
• Gateway Mall II, Quezon City
• Landers Superstore U.P. Town Center, Quezon City
• Landers Superstore Nuvali, Laguna
• One Ayala, 1226 Metro Manila
• Parañaque Integrated Terminal Exchange (PITX), Metro Manila
• Robinsons Place Manila, 1000 Metro Manila
• Robinsons Galleria, Metro Manila
• Robinsons Cyberscape Gamma, Metro Manila
• Robinsons Magnolia, Quezon City
• Ayala Malls Vertis North, Quezon City
• Spark Place, Quezon City
• Robinsons Antipolo, 1870 Metro Manila

There’s a full list of locations including popular malls and stores, available on the GoTyme Bank website, so you can keep up as more are added.

If you use another type of ATM the chances are that you’ll pay a fee. The fee is set by the ATM operator, and paid to the operator rather than to GoTyme. Unusually ATM fees are 15 PHP to 18 PHP, although this can vary. You’ll see the fee on the ATM screen before you complete your withdrawal so you can find an alternative if the cost is too high.

Where can I use my GoTyme Card?

You can use your GoTyme Visa card conveniently for payments and withdrawals at home and overseas.

If you’re spending in PHP the amount is deducted from your GoTyme account instantly. If you’re overseas the costs will have to be converted to PHP before they can be debited from your account. GoTyme states that their foreign exchange fees are competitive and could help you save money when you're transacting in a foreign currency. If you’re unsure about the exchange rates being used when you spend with your GoTyme Card overseas, you can check with the bank by opening a chat or calling into a kiosk before you leave the Philippines.

GoTyme also lets customers take out cash at ATMs around the world. If you’re making a foreign ATM withdrawal, there’s no GoTyme fee to pay, but the ATM operator may charge a fee - it's the same if you use an out of network ATM in the Philippines.

How to get a GoTyme Card

GoTyme prides itself on offering excellent service - delivered through people rather than bots. To get a GoTyme Card you’ll need to call into a bank kiosk, but ordering your card online can save time when you get there.

It’s good to know that even people who don’t live in the Philippines will need to call into a physical location to get a card from GoTyme. If you’ve ordered your card and you're overseas, you can access a virtual card to spend with before you collect your physical GoTyme card at a kiosk.

GoTyme Card requirements

To open a GoTyme account and order your card you’ll need to be a Filipino citizen, and at least 18 years old. Assuming you meet these requirements, you can apply for your account and your card in the GoTyme app, or by visiting a GoTyme kiosk in person to get your card instantly.

When you order your GoTyme Card the requirements are as follows. You’ll need:

• A valid mobile number and an Android or iOS smartphone
• A valid Philippine ID

You can use the following ID documents when you apply for your GoTyme account:

• Passport
• UMID
• SSS ID
• Postal ID
• PRC
• Driver’s license
• Voter’s ID
• PhilSys ID

How to order GoTyme Card: Step-by-Step

You order your GoTyme Card at the same time that you create a GoTyme account. This can be done in the provider’s app - or you can call into a kiosk to get everything sorted out in person. There are over 400 kiosks³ around the country, which are all staffed by a GoTyme team member who’s there to help you with opening an account, ordering a card, or answering any questions you might have.

If you decide to order your card in the bank’s app you'll still need to visit a kiosk to get your physical card.

To set up your GoTyme account and get your card you’ll need to:

1. Download the GoTyme app which is available for Apple and Android phones
2. Click the option to register an account
3. Follow the onscreen instructions enter your personal information
4. Upload your ID and take a selfie, following the prompts
5. Enter the required details to order your card, and confirm when to collect from a kiosk

There’s no fee to get your first GoTyme Card, but there’s a 200 PHP fee if you lose your card and need to get a new one.

How to activate a GoTyme Card?

Ask the GoTyme team member for help to activate your card when you collect it at a kiosk.

Stretch your pesos when you spend in foreign currency with the Wise card

Check out the Wise card as a great way to spend and make cash withdrawals overseas with the mid-market exchange rate and low, transparent fees.

You can create a free Wise account, and you’ll be able to get a virtual card instantly. You can also order a physical card for a one-time fee, which will be delivered to your registered address for convenience.

To get started, simply top up your Wise account in PHP and spend with the mid-market rate and no foreign transaction fee, in 40+ currencies across 150+ countries. Plus, get some free ATM withdrawals of up to 12,000 PHP a month with your physical Wise card, to get cash when you need it.

Use Wise to save when you travel, or when you shop online and in apps with overseas retailers. Convert to your desired currency beforehand, or just let the card convert for you when you tap to pay, or get cash from an ATM. In either case you get the same great rate with low, transparent fees.

Stretch your foreign currency spending with the Wise card.

🚀 Get started with Wise

Sources:

1. GoTyme
2. GoTyme Bank - FAQ
3. GoTyme kiosks