In short: “Borrowing from TymeBank” now sits under GoTyme Bank (GoTyme says the old TymeBank app is discontinued; accounts continue in the GoTyme Bank app). Official product names to check on GoTyme / TymeBank sites include Personal Loans, MoreTyme (buy-now-pay-later instalments), GrantAdvance (early access against an eligible SASSA grant paid into the account) and TymeAdvance (employer-linked early access to accrued salary in the bank’s terms). GoTyme Bank is a registered credit provider (NCRCP 10774). You must be 18+ where the product terms say so. Approval is not guaranteed. This is not financial advice.
Sources: GoTyme Bank – Personal Loans; GoTyme Bank – MoreTyme; GoTyme Bank – GrantAdvance; GoTyme Bank legal terms (MoreTyme / TymeAdvance / NCRCP 10774).
Name check: TymeBank and GoTyme Bank
Marketing and help pages increasingly use GoTyme Bank. The same legal entity themes appear on GoTyme terms (FSP 49140; registered credit provider NCRCP 10774). If your phone still shows TymeBank branding, follow the bank’s live notice to switch to the GoTyme Bank app with the same login. Product screens live in the app and on gotyme.co.za / tymebank.co.za pages the bank still publishes.
Official products (use these names only)
Personal Loans: GoTyme’s personal-loans page describes a digital apply path, eligibility questions, bank-statement upload themes, online signing, DebiCheck repayments, and payout into your account once approved and the mandate is in place. Customers and non-customers may see different paths (including TFG Money partnership themes on that page). Amounts, rates and terms are quoted in the live application, not on this blog.
MoreTyme: Instalment shopping at partner merchants. GoTyme’s MoreTyme page describes paying in three instalments when you stay on time, activation in the app, and late fees or interest if you miss a payment. Legal terms require you to be at least 18, a South African citizen or permanent resident, and to hold a biometrically verified current account in good standing.
GrantAdvance: Early access of an amount against an eligible social grant paid into your GoTyme Bank account, with repayment from the next grant payment as the product page describes. Not every grant type qualifies; check the live GrantAdvance table and rules before you request anything.
TymeAdvance: Defined in GoTyme’s legal terms as early disbursement of a portion of accrued salary before payday, subject to employer and product rules (including salary cession themes in the terms). This is not a generic “anyone can apply” cash loan brochure.
High-level apply path (Personal Loans example)
- Open the official GoTyme Bank app or the Personal Loans page on gotyme.co.za.
- Complete eligibility questions and upload the statements or documents the bank asks for.
- Read the quote, cost of credit and DebiCheck mandate carefully before you sign.
- Only treat money as yours once the bank confirms payout into your account.
For MoreTyme or GrantAdvance, start from those product screens or USSD paths the bank publishes (GrantAdvance help has referenced *120*543# themes). Do not use a WhatsApp “loan agent.”
Keep in mind
- No fixed loan size, interest rate or “instant approval for everyone.”
- No claim that MoreTyme is interest-free if you miss payments (terms allow late fees and interest).
- No advice on whether you should take credit. Compare total cost of credit and your budget first.
National Credit Act and complaints
Credit agreements fall under the National Credit Act where it applies. Keep copies of quotes and contracts. If you cannot resolve a dispute with the bank, use the complaint path on GoTyme / TymeBank’s official site and, if needed, the National Credit Regulator’s published channels.
Last checked: September 2026 against GoTyme Personal Loans, MoreTyme and GrantAdvance product pages and GoTyme Bank legal terms (NCRCP 10774, MoreTyme 18+ eligibility, TymeAdvance definition). Products and screens change. Confirm in the official app. 18+ where required. Not financial advice.