10 million Filipinos trust GoTyme Bank—here’s why

Long before free InstaPay transfers became an industry trend, GoTyme Bank was already making banking more accessible. Today, more than 10 million users trust the bank for its customer-first approach to everyday banking. 

More than 10 million Filipinos have chosen GoTyme Bank in just over three years since its launch, entrusting the bank with over P53 billion in customer deposits.

More than a milestone, it reflects a shift in how Filipinos choose their bank. Today, trust is no longer built solely through decades of operating history. It’s earned every day by delivering products that make banking simpler, more accessible, more affordable, and more rewarding. This philosophy has guided GoTyme Bank from the very beginning.

“Reaching 10 million users is an important milestone on our journey to become the Philippines’ largest and most loved bank. But for us, it’s really about the trust that millions of Filipinos place in GoTyme Bank every day,” said Nate Clarke, CEO of GoTyme Bank.

“We’re grateful to our customers for choosing us, and we’ll continue working to make banking simpler, more accessible, more affordable, and more beautiful for everyone,” he added.

Free transfers since day one

Long before free fund transfers became an industry talking point, GoTyme Bank had already made them standard.

Since launching in October 2022, GoTyme Bank has offered free InstaPay transfers at a time when free money transfers were far from the norm among Philippine banks. While the feature has evolved from initial weekly limits to today’s free monthly transfers, the core promise of removing everyday banking friction has never changed.

That commitment remains just as strong today as GoTyme Bank serves more than 10 million customers. Every day, users continue to send money without paying InstaPay transfer fees, removing one of the biggest frustrations in everyday banking.

As more of the industry embraces free transfers, Filipino consumers ultimately benefit. For GoTyme Bank, however, free InstaPay transfers were never introduced as a temporary promotion or a reaction to the market. They have always reflected the bank’s belief that moving your own money should be simple, convenient, and affordable.

Built for everyday banking

GoTyme Bank’s growth has been driven by becoming part of customers’ everyday financial lives.

Today, it is the Most Used Visa Debit Card in the Philippines, based on Visa debit active usage data in 2025, demonstrating that customers don’t simply open GoTyme Bank accounts; they actively use them.

That same customer-first philosophy extends throughout the GoTyme ecosystem.

Customers can pay more than 160 billers directly within the app, simplifying everyday financial management. They can also invest in cryptocurrency and Philippine stocks, making investing more accessible to everyday Filipinos.

International money transfers have also become faster, fairer, and more transparent through GoTyme Bank’s integration with Wise, giving customers competitive rates and a seamless remittance experience.

Transparent credit that puts customers first

GoTyme Bank is also expanding access to credit through MoreTyme, a growing suite of financial solutions designed to be flexible, transparent, and easy to understand.

More than one million early-access users have already been introduced to MoreTyme, where customers always know exactly what they’re paying for through clear pricing and no hidden charges buried in the fine print.

Customers can split purchases into installments using QRPH or their MoreTyme Virtual Card, while Get Cash provides quick access to funds whenever needed. They can also convert eligible recent debit card purchases into MoreTyme installments, a first-of-its-kind feature in the Philippines.

It’s another example of GoTyme Bank’s belief that financial products should empower customers, not confuse them.

Digital-first with a human touch

Although GoTyme Bank is built around a digital-first experience, accessibility extends well beyond the app.

Across the country, the bank maintains more than 600 kiosks throughout the Robinsons Retail ecosystem and SM Stores nationwide, supported by over 1,200 Bank Ambassadors who help customers open an account in five minutes or less while providing in-person assistance.

Customers can conveniently deposit and withdraw cash in more than 2,500 Robinsons Retail lanes, while cash deposits are also available through a network of more than 4,500 7-Eleven stores nationwide.

By combining digital convenience with an extensive physical footprint, GoTyme Bank ensures customers can bank however and wherever they choose.

Trust built through everyday value

For decades, trust in banking was often associated with longevity. The rapid growth to 10 million customers demonstrates that trust can also be earned through consistently delivering value, convenience, accessibility, transparency, and innovation.

From free InstaPay transfers to transparent credit, seamless investing, international remittances, and a large physical network for depositing and withdrawing, GoTyme Bank continues to build products around the needs of everyday Filipinos.

More than 10 million customers have already made GoTyme Bank their bank of choice. For GoTyme Bank, that milestone is more than a celebration. It is a responsibility to keep challenging conventions, removing friction from everyday banking, and continuing to make banking beautiful.

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Editor’s Note: This article was provided by GoTyme Bank.