Open your EveryDay bank account online

Open your EveryDay bank account online and join the bank that lets you earn more and pay less with no monthly bank fees, many free day-to-day banking transactions and online shopping.

What is an EveryDay bank account?

Your EveryDay bank account allows you to enjoy benefits like no monthly fees, many free day-to-day banking transactions, online shopping, low or no charges for other transactions, and gives you access to our powerful GoalSave tool.

Open your account today

Open your account right here, right now and collect your debit card at a TymeBank kiosk in a Pick n Pay and Boxer store.
Find a kiosk near you.

free banking

No monthly bank fees. Pay-as-you-use charges

We don’t charge you to keep your account open or pay for banking you don’t need.

open bank account online

Open a bank account in less than 5 minutes

Get your personalised TymeBank Visa debit card right away at a TymeBank kiosk in select Pick n Pay and Boxer stores.

save more

Save more money on your terms

Your EveryDay account gives you access to our GoalSave tool. Save more with no restrictions, fees or penalties and earn up to 10%* savings interest per year.

PnP double smart shopper points


Double Smart Shopper points

Your TymeBank card earns you Smart Shopper points wherever you shop and double points when you swipe and pay at Pick n Pay.

send us 3 months bank statement

No documents required

low or no bank charges

Low or no bank charges

free visa debit card

Free Visa debit card

Online shopping

Free online shopping

How can I shop online?

Online shopping is here!
You can now shop online at selected South African stores (international coming soon) using your TymeBank Visa debit card. Shopping online with TymeBank is FREE.

All you have to do is:
Make sure we have your correct details, so that the OTP gets sent to you every time you shop online and ensure that you’ve activated your TymeBank card in a Pick n Pay or Boxer store.

Online spending limits are different for different customers with daily limits varying from R2 000 to R10 000. If you haven't collected your Visa debit card or scanned your thumbprint at a TymeBank kiosk, your daily online spend limit is R2 000.

Happy online shopping with TymeBank!

Click here to read our full list of merchants. There are many acronyms in the online shopping world. Click here for a list of them.

What are the EveryDay account fees?

You get a bank account with no monthly fees, where many day-to-day banking transactions are free and low banking charges for other transactions. You’ll always know what banking with us costs you.

Click here to read our full terms and conditions for the EveryDay account.

Please note: Our annual pricing review will take effect January 2020.

What we don’t charge you for

ActionFees
Monthly fees
Monthly administration feeFree
Smart App (App) subscription feeFree
Internet Banking (IB) subscription feeFree
Notifications
SMS NotificationFree
Debit Card
Initial Debit Card Free
Banking Documents
Account statement (IB & App)Free
Beneficiary payment notification (IB & App)Free
Proof of account (IB & App)Free
Balance enquiries
Internet BankingFree
Smart AppFree
KioskFree
Cash Deposits
First deposit every month up to R5000Free
Cash Withdrawals
Tymecode till point @ PnP & BoxerFree
Debit card till point @ PnP & BoxerFree
Purchases
Debit card purchasesFree
Online purchasesFree
Prepaid electricity (IB & App)Free
Prepaid airtime, data & sms bundles (Internet Banking & App)Free

What we do charge you for

ActionFees
Cash Withdrawals
Debit card till point @ other retailersR2 
Payments
Payment to other bank accountR2 
Debit order (internal)
Debit order (external - where your account is debited to pay a 3rd party)
Free
R2 
Cash Deposits
Tymecode till point @ PnP & Boxer (R4 per R1000 or part thereof)R4 
Debit card till point @ PnP & Boxer (R4 per R1000 or part thereof)R4 
Payments
Send money (account to Tymecode) R4 
Balance enquiries
Debit card other bank ATMR2 
Cash Withdrawals
Debit card other bank ATM (R8 per R1000) or part thereofR8 
Declines, disputes, and reversal fees
Debit order dispute: within 40 days#Free 
Decline fee* (due to insufficient funds or incorrect PIN)R2 
Late payment reversal to Tymebank R8 
Debit order dispute: Older than 40 daysR40 
Late payment reversal to other banksR40 
Unsuccessful debit card disputeR40 
Debit Card
Debit card replacement feeR40 

*Applies to declined Card, Debit order & ATM transactions
#Customer assisted through Customer Service Centre

Give more. Get more

The EveryDay account is the simplest way to bank. The more we know about you, the more we can give you. Discover the many benefits you can get here

EveryDay bank account limits

The more we know about you, the more we’re able to offer you. Right now, we rely on our kiosk to perform an enhanced identity verification using biometrics, and to verify your address using 3rd party data sources.

Just Met

This is the profile you’re on if you opened your account online and haven’t been to a kiosk to capture your fingerprints. Or, you’ve been to the kiosk, but we had trouble identifying you through your fingerprints and your address. In other words, we’ve just met you because you’ve opened your account, but we don’t know you very well, yet.

Maximum Account Balance

Max Bal

Everyday Account + GoalSave(S)R40 000
Maximum for GoalSave(S)R40 000

Monthly limit

Per Month

TOTAL MONTHLY limit of payments, prepaid purchases, send money, cash withdrawals, debit card purchases, debit orders and online purchasesR40 000

Transaction & Daily limits

Per Txn

Per Day

TOTAL DAILY limit of payments, prepaid purchases, send money, cash withdrawals, debit card purchases, debit orders and online purchasesN/AR20 000
Payment (EFT)R20 000R20 000
Prepaid PurchaseR3 000R3 000
SendMoneyR5 000R5 000
Cash Withdrawals @ ATMR5 000R5 000
Cash Withdrawals @ Till point (Debit Card & TymeCode)R5 000R5 000
TOTAL DAILY limit of Cash Withdrawal @ ATM and Till point (Debit Card & TymeCode), and Send Money VoucherN/AR20 000
Debit Card PurchaseR20 000R20 000
Online PurchasesR10 000R20 000
Cash Deposits @ Till point (Debit Card and TymeCode)R5 000R20 000
Debit OrdersR20 000R20 000

Note that cash deposits are limited to the maximum account balance limit & that there are also limits applicable per transaction.

Examples:

  1. If you have R10 000 in your EveryDay Account, you can only save R30 000 in total your GoalSave(s).
  2. If you have R15 000 in your GoalSave(s), then they can only have R25 000 in your EveryDay Account.
  3. If you've made prepaid purchase for airtime worth R1 000 - you can still make another prepaid purchase of R2 000 on the same day, because the daily limit is R3 000.
  4. If you make a cash deposit of R5 000 at a till (maximum per transaction) you can still make further deposits after that of up to R15 000, because the daily limit is R20 000. The R15 000 would need to be in multiple transactions of R5 000 maximum per transaction for card deposits and R3 000 maximum per transaction for TymeCode deposits.
  5. If your daily online shopping transactions are limited to R20 000, and your transaction value exceeds this, your purchases will be declined.
  6. Total cash deposits for a day cannot exceed R20 000.
  7. Total cash withdrawals for a day cannot exceed R20 000. SendMoney transactions to non-TymeBank customers are included in your cash withdrawal limit.

At all times remember that the profile limit is R40 000

Getting To Know You
Good Friends

Want to increase your bank account limit?

It’s quick and easy!
Online spending limits are different for different customers with daily limits varying from R2 000 to R10 000.

If your daily online spending limit is R 2 000, that’s because you have an EveryDay account but no personalised Visa debit card yet.
If you’d like your online spending limit to be increased to R10 000, all you have to do is scan your thumbprint at the TymeBank kiosk in a Pick n Pay or Boxer store and collect your personalised Visa debit card.

How to open an account. It couldn’t be easier

You can open your EveryDay account right here, right now online, or you can go to the TymeBank kiosk at selected Pick n Pay and Boxer stores. It really does take less than 5 minutes to open your account. All you need is your SA ID number, your thumbprint and an active cellphone number.

Open your account today

Open your account right here, right now and collect your debit card at a TymeBank kiosk in a Pick n Pay and Boxer store.
Find a kiosk near you.

TymeBank EveryDay account benefits

  • kiosk

    Save on your terms. In your own way

    • GoalSave gives you complete control of your money.
    • You can create up to 10 different savings goals, give each GoalSave a name (e.g. wedding, birthday, family holiday), and earn a great interest rate, with no restrictions, fees or penalties
    • Our GoalSave tool makes it easy to reach your dreams.
    • You can add as much as R100 000** into as many as 10 GoalSaves and once you’ve added money to a GoalSave no unauthorised debit orders can come off it - keeping your money safe and free to grow.
    • And, if you’re willing to wait 10 days for your payout, we’ll give you a bonus on top of the money and interest you’ve already earned.
  • convenient-04

    Earn even more Pick n Pay Smart Shopper points

    • Because your TymeBank debit card is automatically linked to the Pick n Pay Smart Shopper programme, you only need to carry one card in your wallet.
    • No matter where you shop, your TymeBank card will earn you bonus SmartShopper points every time you use it to pay.
    • We'll give you double SmartShopper points when you use your TymeBank card to swipe and pay at all Pick n Pay tills across South Africa.
  • onlineshopping

    Online shopping

    • Skip the queues and avoid disappointment when you shop online using your TymeBank EveryDay account at selected South African stores, e.g Takealot, Superbalist, Pick n Pay etc.
    • Online shopping transactions are FREE.
    • If you receive an OTP when you’re not transacting, it’s likely prompted by a fraudster. Call TymeBank immediately to alert us.
    • NO ONE, should ever ask you for your One Time Pin, password or PIN over the phone.
    • Always make online purchases with your card on reputable websites that are verified as secure sites (look out for the padlock image on toolbar.)

Frequently Asked Questions about the Everyday Account and answers

How is my new TymeBank debit card linked to the Smart Shopper programme?

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* 6% interest from day 1, 7% after 30 days, 9% after 90 days. If you give 10 days’ notice after 90 days – you earn as much as 10%.
** The maximum amount you can add across your GoalSaves, depending on your profile limit.