Things like interest and Smart Shopper points aren’t affected by your MoreTyme transactions.

You can buy things with MoreTyme online or in-store, depending on the partner retailer in question. All you need is the TymeBank app.

Shopping online
If you’re shopping online on your desktop pc, checkout and choose MoreTyme as your payment option. Then follow the on screen instructions. You can also start shopping online directly from the MoreTyme section of your TymeBank app.

Shopping at a store
Take your phone with you to the shops and when it’s time to pay, tap “Pay” in the MoreTyme section of your TymeBank app. Depending on the type of till you’re at, you’ll either scan a barcode or show a QR code to the teller.

Online or in-store, as long as you have enough available to spend, the 1st payment will happen instantly and the goods are yours to take home. Your next 2 payments come off your account after 30 days and 60 days respectively.

You’ll know immediately, from just a few moments after you tap “Activate”/ “Apply” in the MoreTyme section of your TymeBank app. There’s no application form, no paperwork, and no waiting around for someone to get back to you.

Whether or not you qualify depends on two main things:

1. How well we know you as a TymeBank customer - The more you use your TymeBank EveryDay account, the better chance you have of qualifying.
2. Your credit record - The better your credit record, the more chance you have of qualifying for MoreTyme.

No. Your 2nd and 3rd MoreTyme payments will come off automatically when they are due (30 days and 60 days later respectively).

If you miss the second payment, it will come off your account as soon as your balance is high enough.

Any of your other personal bank cards, so long as they are active Mastercard or VISA cards issued in South Africa. Business cards can’t be linked.

Without a linked card, MoreTyme bases what you can spend on your TymeBank EveryDay account balance and MoreTyme limit only.

But when you have a linked card switched on, the funds in that card can be used to cover part or all of your first MoreTyme payment. This happens automatically when you’re buying something online or in-store.

All you need is the TymeBank app with a biometrically-verified TymeBank profile. When you open the app, look for MoreTyme. From there it’s one tap to activate or apply and you’ll get an instant answer.

Note: If your account isn’t yet biometrically-verified, you can upgrade to one quickly and easily in the TymeBank app with a selfie check, or at a TymeBank kiosk by scanning your fingerprints. It’s completely free.

You don’t have to apply for a higher limit. Your MoreTyme limit can change frequently and automatically based on your banking behaviour and how well we know you. Here’s some tips to increase it:

1. Move your salary to your TymeBank account
2. Add more money to your Goalsave(s)
3. Use your TymeBank account more often

You’re not charged any fees or interest for using MoreTyme. MoreTyme gives you the opportunity to pay things off over 60 days without paying more than the original purchase price.

However, there is a late payment fee of R65 and 2% interest charged on the total value of the purchase, if you fail to make a payment by the payment due date.