“Can a kiosk-first digital bank in the Philippines become the full-stack financial OS for mass-market consumers and underserved MSMEs across Southeast Asia?”
GoTyme Bank launched in October 2022 as a digital-only bank in the Philippines, built on the proven model of TymeBank in South Africa — leveraging kiosk-based onboarding to reach underbanked Filipinos at scale. It is a joint venture between Singapore-based Tyme Group and the Gokongwei Group (JG Summit), giving it embedded distribution through the Robinsons retail ecosystem. From a pure consumer deposit-and-debit play, GoTyme has expanded into cross-border remittances (via Wise Platform), SME merchant cash advance lending, and installment credit (BNPL via QR Ph), pursuing the financial OS position for mass-market and MSME segments in the Philippines and broader Asia.
Gotyme discloses Mambu as its banking provider, according to the Embedded Finance Index 2026.
Gotyme does not disclose a bank charter of its own; its banking services are provided through Mambu.
Gotyme's cards are issued through Paymentology on the Visa network.
Gotyme uses Wise Platform for FX and cross-border payouts.
The Embedded Finance Index 2026 maps 5 layers in Gotyme's stack: Banking / BaaS (Mambu); Card issuing (Paymentology); Card network (Visa); Lending (GoTyme Merchant Cash Advance (MCA) Philippines, GoTyme MCA Asia (cross-border infrastructure), Luna Capital Modal Xpress (Indonesia, embedded, powered by GoTyme), MSME business loans via TikTok Shop partnership and 3 others); FX & payouts (Wise Platform).
Gotyme is founded in 2022 and headquartered in Giga Tower, Quezon City, Philippines.
Gotyme has raised $250M (Tyme Group parent round) in total (latest round: Series D, December 2024; valuation: $1.5B post-money (2024)).
Get a read on where your own stack stands against Gotyme and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.