10 Common money mistakes you could be making

It's easy to get into bad money habits that can cost you big. Here are 10 of the worst and most common money mistakes, and how you can break them.

10 side hustle ideas to make extra cash

Looking to make extra cash but not sure how? Here are 10 side hustle ideas to make a little extra income without much hassle.

4 ways to achieve your business goals in 2021

After a tough 2020, it’s time for South African SMEs to thrive and make money moves. Here are 4 ways you can achieve your business goals in 2021.

5 Money making skills to learn

Diversify yourself and learn new money making skills to add make and earn more money for your pocket.

5 Money saving tips for when you pay

Spend your money on the things you really need and want, and not on things such as charges or interest. Here are 5 money saving tips.

5 Tips to get out of debt

Financial freedom is an attainable goal once you learn how to get out of debt. Here are 5 tips to reduce and rid yourself of debt.

7 money management skills you need to know

Money management is an important skill to have. To help you manage your money better hear what money management skills you need, provided by the experts.

7 ways to increase your business profit margin

Owning and running a business is hard. Making enough money to keep your business and yourself afloat is even harder. Here are some tips to increase your profit margin and make your business more profitable. You put in the long hours and pour all your energy into your business, but

Afrikaans Banking Glossary

ToepassingintegrasieDit is wanneer jy ’n TymeBank-rekening via die TymeBank-toepassing oopmaak. Die TymeBank-toepassing kan by Google Play, die App Store of AppGallery afgelaai word. Dit is veilig om ’n rekening deur middel van die TymeBank-toepassing oop te maak, aangesien dit van gesigherkenning gebruik maak om te bewys dat dit jy is.

Are the kiosks available 24/7?

No, unfortunately not. Our kiosks are inside Pick n Pay and Boxer stores, they are only accessible at the operating hours of the store they’re in. However, you can bank online 24/7, using our digital channels, which include: Internet BankingSmartApp, orUSSD

Are there any additional costs involved with EarlyPay?

No, there is no charge to have your salary paid a day early.

Are there any daily withdrawal limits?

You can withdraw cash up to three times a day at any ATM or PnP till to a maximum of R1 000 at a time, depending on your available credit.

Are there any fees or charges for using GoalSave?

No. Using GoalSave is free. We want to encourage you to save towards the things that matter.

Are there any limits on how much I can add to my EveryDay account?

You can add up to R5 000 per day across all your linked cards.

Are there any restrictions on using my card or account for international transactions?

Yes, you may not use your account, directly or indirectly, for trading in foreign currency,  cryptocurrency, or for funding foreign currency trading or cryptocurrency accounts, unless approved by the Reserve Bank. 

Banking fees – why they’re charged and how they’re calculated

You put your money in the bank to keep it safe and watch it grow by gaining interest, right? But then, when you make a lot of transactions you might notice that for some of them, you’re being charged a fee… what gives? There are important reasons banks charge fees

Banking Glossary

What is something worth saving to you? Is it something that matters to your family? Your community? Perhaps something that speaks only to you? Take Ouma Katrina Esau, for example, this 88-year-old language warrior is single-handedly saving the culture of the San people by teaching others their nearly extinct language

Budgeting - How to better manage your personal finances

Budgeting can be a tough habit to get into. Learn how to better manage your personal finances and stick to your monthly budget.

Bulk payments

Save time by using our SendToMany and PayToMany bulk payments services to pay all your bills, suppliers and vendors at once.

Business banking

Whether you’re a small business owner or have a side hustle, our business banking solutions will help take your business to the next level

Buy now, pay later: what’s the best way to do it?

Want something now, but don't have the money to pay for it? No sweat. With TymeBank you are afforded the payment option to buy now, pay later

Can a customer have multiple TymeBank accounts?

A TymeBank account holder will have one profile created and can have multiple bank cards linked to his/her profile information with the bank. The ID number of the policyholder covered under the TymeBank Family Protect funeral Plan needs to match the ID number of the TymeBank account holder.

Can a customer have multiple TymeBank accounts?

A TymeBank account holder will have one profile created and can have multiple bank cards linked to his/her profile information with the bank.  The ID number of the policyholder covered under the TymeBank Family Protect funeral Plan needs to match the ID number of the TymeBank account holder. 

Can a SendMoney SMS be re-sent?

Yes, simply visit your transaction history on the SmartApp or Internet Banking. Go to ‘Previous transactions’ in your EveryDay account. Click on the purchase and the option to resend the SMS will be presented.

Can a VAT registered Sole Trader get an EveryDay Business account?

Yes. Non-VAT registered and VAT registered Sole Traders can register for our EveryDay Business account.

Can I add emojis to my GoalSave names?

No, but this feature will be available in the future.

Can I Add Money from a card using internet banking?

For now, the feature is only available on the TymeBank app. If you haven’t got the app yet, it’s available for free on Android, Huawei and iOS.

Can I add money to a voucher that has already been sent?

No, once a voucher has been sent it cannot be modified.

Can I add my in-laws to the insurance policy?

The Hollard Family Protect Funeral cover allows you to cover your parents based on the following guidelines: Can add a parent under the Parent Funeral Benefit as the main insured person only.A maximum of 2 parents are allowed to be covered at an additional premium for each parent added.The Parent

Can I add my in-laws?

The Hollard Family Protect Funeral cover allows you to cover your parents based on the following guidelines:  Can add a parent under the Parent Funeral Benefit as the main insured person only. A maximum of 2 parents are allowed to be covered at an additional premium for each parent added. The Parent

Can I buy airtime, data and electricity using the kiosk?

No, you can’t buy any Value-Added Services (VAS) on the kiosk. But you can login to your banking app or online banking to by prepaid airtime, data and electricity.

Can I buy electricity by dialling the USSD number?

Yes you can!

Can I buy from anywhere in the world?

Currently there are a list of local stores that accept TymeBank as a payment method. We will be including many international stores and payment methods soon.  Using your card for online Gambling on an International website will not be allowed.

Can I cancel my SendMoney transaction?

No. You can’t cancel or reverse a SendMoney transaction. If the money was sent to an incorrect number, and it is not redeemed within 7 days, the money will automatically be reversed into your account at midnight on the 7th day (one week) after the transaction.

Can I cash the money out in batches?

All the money in your GoalSave is cashed out at once when you request a payout. This can be done immediately or with a 10-day notice period.

Can I change the name of my business account after I have registered?

Not just yet. We’re currently working on making this feature available soon.

Can I check my balance at a kiosk?

Yes. You can use the kiosk to access your account and check your EveryDay account balances and any GoalSaves you have open.

Can I exceed my available balance sending Money?

No, an online validation message will be displayed: The amount is more than the available account balance

Can I get a secondary card for my family or trusted friends?

Yes, you can request up to 3 secondary cards when you apply for the credit card or call us on 0861 007 250 to arrange it.

Can I have more than one active purchase at a time?

Yes. If you’ve bought something using MoreTyme and you still have some "Available to Spend" left over, you can make another MoreTyme purchase.

Can I have my salary paid into my EveryDay Business account and still get the additional interest?

Yes. Your salary can be paid into your EveryDay account or your Business EveryDay account to qualify.

Can I increase the limits, services and benefits I get from TymeBank?

This depends on your profile - learn more about what the different profile types visit the Everyday Personal Account profile limits section.

Can I move money to and from my GoalSave account using the kiosk?

Not yet, but soon you will be able to transfer money between your own accounts at a kiosk.

Can I opt-out of EarlyPay?

No, you can’t. We apply the EarlyPay processing across all credits in the one day and “dated service”.

Can I purchase larger purchases and pay these off over a budget period?

Yes. When you make a purchase of R200 or more, you can select at the till to spread the repayments over an affordable term of 6 to 36 months.

Can I redeem or withdraw the voucher at anytime?

You can withdraw the cash only during the PnP and Boxer store operating times.

Can I redeem SendMoney Voucher at an ATM Machine, like any of the banks?

No, the voucher can only be cashed out at any PnP and Boxer Store.

Can I rename my GoalSaves?

Yes. You can edit the name of your GoalSaves on Internet Banking and SmartApp

Can I reopen a GoalSave?

Once a GoalSave is paid out, it is closed. You can open a new GoalSave with the same name at any time.

Can I send someone money outside SA?

No, this is only available within South Africa.

Can I shop online if I opened my account online but don’t have my VISA debit card yet?

No. You’ll need to get a bank card and validate the card by making a purchase at a physical store by inserting your card into the Point of Sale and inserting your PIN number. This will alert us to the fact that the card is activated and will enable you

Can I transfer money to other accounts using the kiosk?

No, you can’t transfer money using a kiosk. If you’d like to do an EFT into another account you can login to our banking app or online banking to do so.

Can I transfer my sms voucher funds to someone else?

No you cannot.

Can I use a single voucher to receive all voucher’s sent to me?

Each transaction has a unique voucher and amount linked to it. You will only be able to redeem one voucher at a time.

Can I use my account/card in another country?

Yes you can!Remember that the amount you swipe for in the foreign currency is converted to a Rand amount which could affect your daily transaction limits.

Can I use my debit card to shop online?

Yes, you can! Don't forget to toggle the switch from "off" to "on" to enable online transactions. This can be done either within the SmartApp, or Internet Banking channels under the "Card settings" option

Can I use my voucher for purchases?

Once you have successfully cashed the voucher, you may use the cash to purchase.

Can I use other bank’s ATMs? How much does it cost?

Yes, you can withdraw money at any Saswitch ATM around the country, but certain fees will apply. Please see fee structure on our EveryDay Account.

Can I use the kiosk even when there is no TymeBank ambassador/assistant?

Yes, the kiosks are self-service and very easy to use. Simply login and you follow the prompts on the screen to do what you need to do.

Can I view my GoalSave transaction history?

Yes. Your transaction history is available under each of your GoalSaves on Internet Banking and SmartApp.

Can I view my SendMoney transaction history?

Yes, simply visit your transaction history on the SmartApp or Internet Banking. Go to ‘Previous transactions’ in your EveryDay account.

Can I withdraw cash directly from my GoalSave?

You will need to request that the GoalSave is paid out (immediately or after 10 days) and the amount will be transferred to your Everyday account for you to spend.

Can I withdraw my savings for emergencies?

Can I withdraw or deposit cash at a kiosk?

No. TymeBank kiosks don’t hold money or function like an ATM, so you can’t deposit or withdraw cash from them. That said, you can withdraw or deposit cash for free at any Pick n Pay or Boxer till point in SA. You can also deposit or withdraw cash at any

Can receive a SendMoney into my EveryDay Business Account?

Not directly. The SendMoney must be sent to your personal cellphone number not your business cellphone number. The money will arrive in your Everyday Personal account and then you can easily transfer it to your Business Everyday account, at no cost

Can you only use the phone with the phone number that linked to your TymeBank account?

Yes. We need you to put in your PIN number linked to your account so this is important to keep your account safe.

Credit Card

Earn Smart Shopper points and Get up to 55 days interest-free when you pay your full outstanding balance each month.

Do dependants qualify for the Grocery Assist Benefit and the Monthly Assistance Benefit?

Only the policyholder qualifies for the Grocery Assist Benefit and the Monthly Assistance Benefit.

Do dependants qualify for the Grocery Assist Benefit and the Monthly Assistance Benefit?

Only the policyholder qualifies for the Grocery Assist Benefit and the Monthly Assistance Benefit. 

Do I always have to use the same kiosk as the one where I opened my account?

No. You can use any TymeBank kiosk in any Pick n Pay or Boxer store in any province in Mzansi. See the list of available kiosks here.

Do I earn Smart Shopper points as an EveryDay Business account holder?

Yes. If you are currently earning Pick n Pay Smart Shopper points from your personal EveryDay account, your EveryDay Business debit card will also automatically be linked to your existing Smart Shopper profile. You can still earn points wherever you shop and double points when you swipe and pay at

Do I get a notification that my money has been paid out after 10 days?

If your GoalSave payout (including interest) is more than R100, you will receive an SMS from us telling you that it is in your EveryDay account.

Do I have access to GoalSave through my EveryDay Business account?

Yes. We know that your business goals are separate from your personal goals. So, just like your EveryDay personal account, you can create up to 10 different business savings goals in your EveryDay Business account with no restrictions, fees, penalties, or debits and earn the same great interest. Remember that

Do I have access to GoalSave through my EveryDay Business account?

Yes, you can open ten GoalSaves in your business account, but your profile limits are the same across both your Personal and Business accounts so, you will still only be able to deposit R100 000 across both accounts not R100 000 per account.

Do I need a pin number?

No, you will only require the sms containting the 10 digit voucher number.

Do I need a smartphone to use USSD cellphone banking?

No, it’s just like sending an SMS. You just need some airtime, but no data.

Do I need to carry my ID document to use the kiosk?

No, if you know your 13-digit ID number you won’t need the original, or a copy, to use at a kiosk.

Do I need to have my cellphone with me, every time I use the kiosk?

Yes. Many of the kiosk transactions need to verify that it really is you who is trying to access your account. TymeBank does this by sending a SMS with a One-Time PIN (OTP) to your cellphone. You will need to enter this OTP to access the kiosk functions.

Do I qualify for an EveryDay Business Account?

You must be an existing TymeBank Personal EveryDay account holder with your details verified at a TymeBank kiosk. This means you need to have opened your account and also received your TymeBank debit card from a kiosk at a Pick n Pay or Boxer store.

Do I use my card PIN or login PIN for USSD?

Please use the PIN you use to log into the TymeBank app or Internet Banking when making a USSD purchase. NOT your card PIN.

Do SendMoney vouchers expire?

If the person you sent money to doesn’t redeem the money within 7 days, the money will be reversed into the sender’s account at midnight on the 7th day (one week) after the transaction was done.

Do you have to be within South Africa to use USSD?

Yes. At the moment we require you to have a South African cell number linked to your account, so USSD cellphone banking will only work within South Africa.

Does it work on all South African cellphone service providers?

Yes.

Does the TymeBank CreditCard have tap-and-go functionality?

Yes, your card is enabled for tap-and-go for merchants who provide this functionality at the till.

English Banking Glossary

App onboardingThis is when you open a TymeBank account via the TymeBank app, which you would have downloaded from Google Play, the App Store or AppGallery. When you open an account using the TymeBank app, it is safe and secure as it uses facial recognition to prove that you are

Entrepreneur shares tips on starting a business

How a South African beekeeper entrepreneur turned honey into a sweet deal. Business learnings that many small businesses can benefit from.

Escalate A Complaint

EveryDay account

Open an EveryDay Personal bank account online for free in less than 5 minutes. No monthly bank fees. Free bank card. Double smart shopper points. No documents required.

EveryDay Business Account

Open an EveryDay Business bank account online for free in less than 5 minutes. No docs. No monthly bank fees. Plus a personalised Visa debit card.

Five Covid scams to avoid

While we were all stuck at home during lockdown – becoming pro bakers and perfecting our binge-watching skills – hackers, fraudsters and scam artists were stuck in lockdown too, but spent their time dreaming up new scams to con people. As if the virus wasn’t enough to worry about, Covid-19

Five reasons to separate your business from your personal bank account

We know that as a Mzansi-preneur you have your hands full with running and growing your business. Opening a business bank account might seem like unnecessary admin, but here’s why it will actually make your life simpler. (Plus, with TymeBank, opening an account takes less than five minutes!) When you’re

From domestic worker to small business manager

Domestic worker in the morning. Butcher in the afternoon. Priscilla from Deep South Butchery shares how to make money by starting a small business.

From social media manager to music entrepreneur

How a music entrepreneur turned a passion into a business. Turn your side hustle into a source of extra income with a TymeBank Business Account.

Getting to know online shopping acronyms

There are many acronyms used in the online shopping world. We define some of them for you below.

GoalSave

Watch your money grow daily. GoalSave gives you higher interest rates the longer you leave your money in your savings account.

Hollard Insurance

Protect your family's future with a funeral policy that offers affordable cover for extended family members. Includes monthly assist benefit and 10% of your premiums back every 6 months.

How are my TymeBank Credit Card online transactions secured from fraudsters?

When you use your credit card online, a one-time pin (OTP) will be sent to your mobile phone or email address that you registered with us.

How can I ensure that the voucher is not redeemed by someone else?

Do not share your voucher number with any third party, unless with a teller at the PnP or Boxer Store.

How can I get someone to help me switch my debit orders?

For debit order switching call us on 0860 999 119.Please have the following details ready when you call: A list of the debit orders you want to switch.All the necessary information for each debit order.The policy/account number for each debit order.The details of the account holder for each debit order

How can I SendMoney to someone?

Log onto your TymeBank account via the Smart App or Internet Banking and choose the ‘Send Money Option” and enter the recipient’s mobile number (SA only).

How do I access my business account after I’ve opened it?

You can simply log into the same app or internet banking that you use for your Personal EveryDay Account and select your Business Account.

How do I activate my TymeBank CreditCard?

When you receive your card, call us on 0861 007 250 to activate your card and receive your PIN.

How do I activate my TymeBank debit card?

If you haven’t already activated your TymeBank Visa debit card, you will need to do so before you can shop online. Activate your TymeBank card by: Adding money to your account. You can deposit money at any Pick n Pay or Boxer store till point or via EFT

How do I add money to my EveryDay account using the Add Money feature?

It’s super easy! All you need is the TymeBank app and a valid South African bank card (VISA or MasterCard only). When you log in to your TymeBank app, you’ll see a button on the home screen that says ‘Add Money’. Tap it, and follow the instructions. For your first

How do I apply for MoreTyme?

If your profile status is “Good Friends”, all you need is the TymeBank app. When you open the app, look for MoreTyme. From there it’s one tap to activate or apply. You’ll get an answer instantly. If your profile status is “Just Met”, you can upgrade your account via your

How do I buy electricity through Internet Banking and the SmartApp?

Buying electricity is easy through Internet Banking and the TymeBank SmartApp. Just login and click ‘Buy’ and then ‘Electricity’. Select your amount, type in your meter number and then your cellphone number. Always double-check that you have typed in the correct meter and cellphone number before you click ‘Next’ to

How do I check my balance?

You can check your balance via: Internet Banking,our SmartApp,USSD by dialling *120*543# or *130*543# (free of charge),WhatsApp on 0860 999 119,Any TymeBank Kiosk in a Pick n Pay or Boxer store,Any ATM (R2 fee applies), orby calling our Customer Service Centre on 0860 999 119. You can’t check your balance

How do I create a GoalSave?

You can create a GoalSave on the landing page of your SmartApp or Internet Banking. To create a GoalSave you just need to activate it. Add money from your EveryDay account into a new GoalSave and give your GoalSave a name.

How do I earn double Smart Shopper points with the TymeBank CreditCard?

You have to swipe and pay for your shopping at Pick n Pay with your TymeBank CreditCard to earn double Smart Shopper points

How do I earn Smart Shopper points on the TymeBank CreditCard?

Earn one Smart Shopper point for every R2 spent with your TymeBank CreditCard inside the Pick n Pay network, in-store and online. Earn one Smart Shopper point for every R3 spent with your TymeBank CreditCard outside the Pick n Pay network, in-store and online.

How do I get a Proof of Banking letter?

You can now get a Proof of Banking letter sent directly to your email address from Internet Banking and the SmartApp. If you don’t have an email address linked to your account, please add one to your profile by clicking the profile icon and selecting “Change email". Using Internet Banking,

How do I get a proof of payment for an online purchase?

You will need to check your bank statement for proof of the transaction. You can download a statement from the app or internet banking. 

How do I get my bank card if I opened an account online?

To print your debit card please visit a TymeBank kiosk at selected Pick n Pay and Boxer stores across the country. The kiosks are self-service and you don’t need to bring any documents with you. All you need is to remember your ID number and have your cellphone with you so you

How do I get my benefits? How does it work?

If there is a claim for a benefit payable under this policy: A claimant must tell us of the claim in writing within 180 days from the date of the insured event.Hollard Life will inform the claimant what evidence and other documents need to be submitted to process the claim.A

How do I get my benefits? How does it work?

If there is a claim for a benefit payable under this policy:  A claimant must tell us of the claim in writing within 180 days from the date of the insured event. Hollard Life will inform the claimant what evidence and other documents need to be submitted to process the claim. A

How do I get my personalised Visa business card?

It’s easy! Once your EveryDay Business account is created you can visit a TymeBank kiosk at a Pick n Pay or Boxer store to get your personalised Visa business card. Login via the kioskIf you have a registered EveryDay Business account, the Business tab will be availableSelect the Business tabThis

How do I get my personalised Visa debit card on my Business account?

Once your EveryDay Business account is created you can visit a TymeBank kiosk at any Pick n Pay or Boxer store to get your personalised Visa business card. Simply follow the steps below: Login via the kioskIf you have a registered EveryDay Business account, the Business tab will be availableSelect

How do I get my salary paid into my TymeBank account?

Log into your Internet Banking or SmartApp and click on your EveryDay or EveryDay Business account. Select Account Information and request a Proof of Bank Account letter. Follow the steps to email your Proof of Bank Account letter directly to you. Give the letter to your employer and ask them

How do I get my TymeBank Credit Card statement?

You’ll receive it via email or SMS each month. You can also download it from our internet banking site or the TymeBank app.

How do I get proof of payment?

You can now request a proof of payment notification to be sent directly to your email address. If you don’t have an email address linked to your account, please add one to your profile by clicking the profile icon and selecting “Change email”.

How do I get the maxiumum interest on my GoalSave?

You must leave your money in your GoalSave for 90 days or more and give us 10 days’ notice before receiving your payout.

How do I get this policy?

Open a TymeBank account at a TymeBank kiosk found at most Pick n Pay stores throughout SA.

How do I get to the next relationship profile and get extra benefits?

To get a customised debit card, get the added benefits we contribute to the Smart Shopper loyalty programme and/or increase your account and transaction limits, visit one of our TymeBank kiosks at selected Pick n Pay or Boxer stores, where we will get to know you better by asking for

How do I increase my MoreTyme limit?

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: Move your salary to your TymeBank accountAdd more money to your Goalsave(s)Use your TymeBank account more

How do I link my smart shopper account with my TymeBank card

Your PnP Smart Shopper card is automatically linked to your account when you register for a bank account.    Your TymeBank Visa Debit card doubles as a Smart Shopper card (the Smart Shopper number is encoded in the magstripe and barcode, and printed below the barcode on the back of

How do I make a purchase with MoreTyme

Step #1: Once you’re at a MoreTyme partner store, look out for MoreTyme stickers and signs on selected items. If you’re not sure what’s available to be bought with MoreTyme, just ask a sales assistant. Step #2: Create a MoreTyme payment voucher: When you’re ready to pay, login to your

How do I open a new EveryDay bank account?

You can open an EveryDay account online and then print your card at a TymeBank kiosk at selected Pick n Pay and Boxer stores, or you can go straight to a kiosk and open your account and print your card at the same time.

How do I open an EveryDay Business account?

You need to be an existing EveryDay Personal account holder on a “Good Friends” profile limit. You must also be a Sole Trader. How do I know if I’m a Sole Trader? Have a business that is owned and run by you in, where you have all the decision-making authorityA

How do I pay my monthly TymeBank Credit Card instalment?

Your instalment is paid via a debit order. It’s easy to set this up: You simply give us permission to deduct the instalment from your account every month

How do I pay my MoreTyme instalments?

You don’t need to worry about that. Everything comes off your EveryDay account automatically The first payment (50% of the purchase price) happens as you buy it at the till point. Your next two payments of 25% each will be deducted from your account 30 days and then 60 days

How do I print and collect my debit card?

To print your debit card please visit a TymeBank kiosk at selected Pick n Pay and Boxer stores across the country. The kiosks are self-service and you don’t need to bring any documents with you. All you need is to remember your ID number and have your cellphone with you so you

How do I receive the voucher?

The voucher will be sent to the recipient via SMS.

How do I switch my debit orders to my TymeBank account?

Send a Proof of Bank Account letter or email to the payments department of each company doing the debiting. Ask them to update their systems with your TymeBank account details.

How do I switch my salary to TymeBank?

Log into the TymeBank SmartApp or internet banking and click on your EveryDay accountSelect ‘Proof of Bank Account’ (App) or Proof of Account (Internet Banking)Check that your email address is correct and press send (if you wish to change your email address simply select ‘Update Profile Email’)When you receive the email with

How do I switch on the e-commerce functionality?

To keep your account safe, we’ve created a function that allows you to switch e-commerce on and off. When you want to shop online, you can use the App or Internet Banking to switch it on by logging in and selecting ‘My Cards’ and then ‘Card Settings’ to turn online

How do I use my card online?

First, you need to ensure that your card has been activated. This means using your card to make a purchase in a store by inserting into the Point of Sale and using your PIN. Once your card is activated you can shop online with it. First, make sure you have

How do the interest rates work?

How does a kiosk know that my fingerprints are linked to my account?

When you open an account with us, we use information that is stored at The Department of Home Affairs (DHA) to confirm who you say you are. We do this by checking that your fingerprints match the fingerprints kept on record at the DHA when you first applied for your

How does GoalSave work?

Add money to your GoalSaves whenever you like and withdraw it whenever you need it. There are no restrictions, no fees and no penalties. Get 7% and if you switch your salary get up to 8%.

How does MoreTyme work?

TymeBank has partnered with various stores where you can pay for items using MoreTyme through your TymeBank app. Your purchase is divided up into three simple payments: 50% upfront, another 25% after 30 days and the last 25% after 60 days.

How does the GoalSave Salary Kicker work?

Have your salary paid into your TymeBank account, and get up to 1% additional interest per year on your GoalSave! Just give 10-days’ notice when doing a GoalSave payout the month after your salary is paid into your account. This is in addition to the normal GoalSave bonus you get

How does up to 55 days interest-free work?

If you settle your full balance on the payment due day selected, no interest will be charged on your purchases made during the period indicated on your credit card statement.

How is interest applied?

GoalSave Interest rates increase over time. The longer you save, the higher the rate. We start you off at 4% for the first 30 days, 5% for the next 60 days and then boost you to 6% after 90 days. If you're willing to wait for 10 days to get

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

Banking with TymeBank is a rewarding experience! Your TymeBank Visa debit card is automatically linked to the Pick n Pay Smart Shopper programme. You will earn Smart Shopper points whenever you use your debit card to pay – both inside and outside of Pick n Pay. If you swipe your

How is the money in my GoalSave kept safe from unauthorised debit orders?

Debit orders cannot be run against GoalSaves, which make them the ideal place for you to keep your money safe.

How long do I have to wait to get my bank card and start transacting?

Your debit card is printed immediately when you open an account at one of our TymeBank kiosks, you’ll find these inside most Pick n Pay and Boxer stores country-wide. If you open an account online you can visit a kiosk at a Pick n Pay or Boxer store to print your

How long does it take for a policy to lapse?

If a policyholder misses a premium, Hollard Life can collect that one missed premium from his/her bank account at any future date or collect 2 premiums from his/her bank account the following month to make sure their policy stays up to date and active. If a policyholder misses 2 premiums, that

How long does it take for the insurance policy to lapse?

If a policyholder misses a premium, Hollard Life can collect that one missed premium from his/her bank account at any future date or collect 2 premiums from his/her bank account the following month to make sure their policy stays up to date and active.If a policyholder misses 2 premiums, that

How long must my GoalSave be open to qualify for the additional interest?

There is no limit to how long your GoalSave is open, to qualify for the additional interest. But remember, you will earn the most interest if your GoalSave is earning the maximum interest after 90 days.

How long will I get the extra interest on my GoalSave?

This promotion is available from 1 October 2020 until 30 June 2021 but we may extend it beyond this time period.

How long will it take for the online shop to receive my payment?

The online vendor will be able to see that you have made the payment as soon as you checkout. 

How long will it take to get my card?

Once your application is approved, we’ll courier your card to you within 5 to 7 working days.

How many digits long is the voucher number?

The voucher number is 10 digits long.

How many GoalSaves can I have?

You can have up to 10 GoalSaves at any one time.

How many people can be added to the insurance policy?

A total of nine lives can be covered under the TymeBank Family Protect funeral cover including 1 Policyholder1 Partner/Spouse5 Children2 Parents

How many people can be added to the policy?

A total of 9 lives can be covered including 1 policyholder, 1 partner/spouse, 5 children and 2 parents.

How many people can be added to the policy?

A total of nine lives can be covered under the TymeBank Family Protect funeral cover including  1 Policyholder 1 Partner/Spouse 5 Children 2 Parents 

How much can I spend online?

Online daily spending limits vary from R2 000 to R10 000. It all depends on the relationship you have with us. The more we know about you, the more we can give you. Read more about profile limits and how to change them.

How much can I spend with MoreTyme?

The most you can spend with MoreTyme at any point in time is called your "Available to spend" amount. It’s determined by two main things: your EveryDay Account balance and your MoreTyme limit. Generally, what you have "Available to spend" will be double your EveryDay account balance. So for example,

How much cover can I get?

Choose cover from R10 00 to R50 000 (in R10 000 increments

How much do I need to keep my account active?

There is no activation fee and no monthly fees which means that your business account stays open even when you don’t have any money in it.

How much does it cost to make an online purchase?

When transacting at international merchants there is a 2% fee that TymeBank must add to the final amount to cover changes in foreign exchange. This amount will reflect on your statement directly after the transaction amount.

How much does it cost to open an EveryDay Business account?

It costs nothing to open an account and you will not require any minimum deposit to keep your account open.

How much income must a business earn to be VAT registered?

The law says that any business that earns more than R1 million over an uninterrupted 12 month period must register for VAT. But you can register voluntarily if your business earns more than R50 000 over 12 consecutive months.

How much will it cost me to add money to my EveryDay account from my card?

There’s no fee for your first transaction. After that, the fee is R9 per R1 000. For example: - if you add R500, the amount charged to your card will be R509 (R500 + R9);if you add R1 000, the amount charged to your card will be R1 009 (R1000

How old must a beneficiary be?

The beneficiary must be 18 years or older. 

How old must the insurance beneficiary be?

The beneficiary must be 18 years or older.

How quickly will the money arrive in my EveryDay account?

Straight away – just like when you do an online card payment. Except instead of paying for something, you’re popping money across to your EveryDay account.

How saving helped me put my son through school

A single mother, Linda Appie, shares how through dedicated saving, she managed to provide her son with a good education.

How saving money can help change your destiny

Learn how saving money helped a farm worker become a winemaker. By saving money you can also help change your own destiny, like this business owner.

How should I name my GoalSaves?

You can give your GoalSave any name that best represents the dream you are saving towards. This will help you stay motivated.

How to avoid overspending over the holiday season

Let’s be honest, a little retail therapy can go a long way, especially after the year we’ve all had. But unless you want your January to become Jan-u-worry, you’ll need to avoid overspending and keep your spending in check. It’s easy to be caught up in the festivities in December,

How to improve your credit score

Credit scores are important for loans, store accounts and credit cards. Learn what it is, how it's calculated, and how to improve your credit score.

How to market your business for free

For your business to be successful, people must be aware of it. Here's how to market your business for free to prospective customers.

How to protect yourself from banking fraud and scams

There are various types of banking fraud and scams. It is important to know how to protect yourself from fraudsters posing as bank employees.

How to protect yourself from phone hacking and fraudsters

We use them to find partners, connect with friends and family; we stalk our exes, we capture unforgettable moments with them. They’re our encyclopedias, our DIY guides, our calculators, our diaries, our private DJs. Our phones are such a central part of our daily lives, it’s no wonder then that,

How to protect yourself from scams this festive season

The festive season is finally here. We’re all ready for a much-needed and well-deserved break. It’s a time of celebrating, of relaxing and of giving … but be careful or you’ll give all your hard-earned cash to scammers who take advantage of your chilled vibes during the holidays. 3 scams

How to save money in 2021

One way to save money is to spend less money. With an unpredictable year ahead, here are 21 ways you can save money in 2021.

How to save money to achieve your dreams

Learn how to save your money to achieve your long term goals. Use TymeBank’s GoalSave savings account tool to help you achieve your dreams.

How to set and reach your financial goals this year

The right financial goals give you a plan, guide your day-to-day money choices and help you to realise your dreams. And the best part? Anyone can do it. You just need to get started. It’s a new year filled with new opportunities, but if 2020 has taught us anything, it’s

How to set and reach your financial goals this year

Planning your finances can guide your day-to-day money choices and help achieve your goals. Here are 4 steps to achieve your financial goals.

How to start a business in 2021

Ready to make your business dreams become reality? Here are 5 steps to help you start your business in 2021.

How to use meal planning to save money

Finding ways to save money can be simple - all it requires is some time and effort. Here are ways you can use meal planning to help you save money.

How to write a business plan to achieve business goals

A business plan can help you set business goals, work towards them, consider solutions and tackle challenges. Here are ways to create a business plan.

How will I know that the sender has been advised of the “SendMoney” transactions?

Both the sender and recipient will receive an SMS notification of the SendMoney transaction completed.

I closed my app and haven’t received an SMS with my electricity token, where can I get the token?

There are many reasons why an SMS may not come through. But don’t worry! Log back in to the app or Internet Banking and you will be able to see your token number next to the transaction, after you have made the purchase.

I don’t have a smartphone can I still buy airtime?

Yes, just dial *120*543# to buy airtime. Standard SMS rates apply, but if you do not have airtime, you can dial *130*543# to make the purchase.

I entered the incorrect mobile number for SendMoney. What should I do?

Please always check that all information is correct when you send money. TymeBank will not transfer the funds to a new cellphone number if the person you send money to has changed their cellphone number or you entered the wrong number. TymeBank cannot reverse, refund or correct payments that were

I got an OTP but I’m not shopping online

If you get an OTP when you’re not transacting it could be a fraudster at work. Call us immediately on 0860 999 119.

I logged a return of my purchase online but haven’t been credited yet. Why?

Returns are managed by the store you shopped at and not TymeBank. Please refer to the retailers’ Returns Policy for further help.

I received an error code 0442007 when buying electricity. What does this mean?

Unfortunately, A few municipalities have not included TymeBank on their payment systems, so these transactions will be declined with this error message and you will be unable to buy electricity online with your TymeBank account. You will need to pay for it with cash.

I shopped online using my TymeBank card, but would like a refund. What do I do?

Refunds are handled by the store you bought from and not by TymeBank. Please refer to the retailers’ Refund Policy to see what steps you need to take.

I want to buy online using my TymeBank card. Which merchants work?

We’re working hard to deliver the best possible service to you. Thanks for your patience. The following merchants have been tested and are working for online shopping transactions. We have also listed those that are not yet working. If there’s a merchant you’re struggling with, you’re welcome to get in

I went to print my TymeBank card but there are no cards in the kiosk. What now?

Every now and then, we run out of cards before we can top them up again. If this happens, please give call us on 0860 999 119 and we’ll send someone to your kiosk as quickly as we can. If you need your card urgently, visit a different kiosk at another

I'm not getting an OTP to complete my online shopping transaction. Why?

This could mean we don’t have the right cellphone number for you. Please confirm your number. It’s very important that we have your correct number so that the OTP is not sent to the wrong person. Check yours here.

I've forgotten my TymeBank VISA card PIN. How do I reset it?

If you’ve forgotten your Card PIN or it is locked, follow these easy steps to get banking again: On the SmartApp: Open the SmartAppLoginSelect the menu optionSelect the my cards optionSelect change or reset PINFollow the onscreen instructions to change your pin At a Kiosk: Go to any TymeBank KioskLogin

I’m on a Just Met profile. Can I still be eligible for EarlyPay?

Yes. All profile levels will benefit if the salary is paid into a TymeBank account.

I’ve forgotten my banking channel login pin or password. How do I change it?

We know how frustrating it is when you can’t access your account. Before beginning, please make sure you have your cellphone on you to receive a one-time-pin (OTP). If you’ve forgotten your login Password or PIN or it is locked, follow these easy steps to get banking again: On the

If my salary is paid a day early one month, will it be paid a day earlier than that the next month?

No, your salary will always be paid a day earlier than your employer would have paid it. So, if you usually get paid on the 25th you will always get your salary on the 24th.

If SendMoney is deposited into my account, how long does it take to appear in my account?

Funds will appear immediately into your EveryDay transactional account.

If the insurance policyholder dies, can the surviving dependants continue to have cover?

There is a continuation option only if there is a surviving spouse.

If the insurance policyholder passes away, what happens to his/her dependants?

Hollard Life will attempt to contact the nominated beneficiary to tell them of the available benefit. If Hollard Life cannot reach the nominated beneficiary, an external tracing company will be used to trace the beneficiary/the policyholder’s relatives if there is no beneficiary on record i.e. partner, children, parent, brother or

If the policyholder dies, can the surviving dependants continue to have cover?

There is a continuation option only if there is a surviving spouse. 

If the policyholder passes away, what happens to his/her dependants?

Hollard Life will attempt to contact the nominated beneficiary to tell them of the available benefit.  If Hollard Life cannot reach the nominated beneficiary, an external tracing company will be used to trace the beneficiary/the policyholder’s relatives if there is no beneficiary on record i.e. partner, children, parent, brother or sister. If

Important Notice

Beware of fake notifications and calls that say you’ve won: Winners will be announced on TymeBank’s official social media platforms.Unless pre-arranged with you, we will NEVER come to your office or home to say you’re a winner or to deliver a prize.If anyone phones to say you’ve won a prize

Is it better to pay off debt or save money?

Every month you might wonder, is it better to save money or settle debt. Here are questions to consider when trying to figure out what’s best for you.

Is there a limit to the salary amount to be eligible for EarlyPay?

No, but your TymeBank profile limits still apply. If your salary is higher than your profile limits and is paid into your TymeBank account, it will be returned to your employer.

Is there a TymeBank Credit Card App and if so, what can I do on the App?

You can download the TymeBank App from your iOS or Android App stores You can manage your account and do the following: Check your balance and available credit Check your payment amount due and date View your latest transactions Download statements (retrieve maximum of 6 months’ latest statements) View retailers

Is using USSD the same as using the app or internet banking?

Yes, it’s simpler to use but the functionality is the same.

Isindebele Banking Glossary

I-App onboardingKulokha nawuvula i-akhawunthi ye-TymeBank ngokusebenzisa i-app ye-TymeBank, ozabe uyikhuphe ku-Google Play, ku-App Store nofana ku-AppGallery. Lokha nawuvula i-akhawunthi ngokusebenzisa i-app ye-TymeBank, kuphephile begodu kuvikelekile ngombana isebenzisa isifanisabuso ukuqinisekisa bonyana unguwe. IKiyoskiAma-kiyoski we-TymeBank mancani, ngewesikhatjhana, aziinkghudlhwana ezijame zodwa lapho ungavula khona i-akhawunthi ye-TymeBank, ungayokuthatha ikarada le-Visa lasimahla lokukhupha imali, ungakhuphula

Kids talk money

If kids can talk about savings, why can’t we? Reaching your full potential starts with the basics. Learn about financial literacy and empower your children.

Maintenance man by day, Pianist by night - a side hustle story

Discover how a musician is finding innovative ways to make money. Open an EveryDay Business Account with TymeBank and keep the hassle out of your hustle.

Money lessons parents should teach their children

Money management skills for very important. Here are a few money lessons parents teach their children, such as how to manage spending.

Money management lessons you can learn from family

A family that learns together, earns together. See how a South African family looks at money management and what lessons you can learn from your family.

Money management tips for small business finances

These business finance do’s and don’ts will help you manage your money.

MoreTyme Customer

MoreTyme lets you buy an item, pay half now and the balance over 2 months. Pay in 3, interest-free. Only available to TymeBank Customers. T's & C's apply.

MoreTyme Retailer

MoreTyme enables business to offer customers the payment option to buy now and pay later, increasing purchasing power, sales revenue and repeat business.

Music teacher's business idea hits the right note

Learn how to look for business ideas in your community and take the opportunity to start a business with music teacher, Trevino Isaac's inspiring story.

Must I have a TymeBank account to send money?

Yes you do need a TymeBank account as the funds are paid from existing TymeBank EveryDay transactional account.

Must I pay my salary into my account every month?

Yes - to remain eligible for the GoalSave Salary Kicker your salary should be paid into your EveryDay account every month.

Must I withdraw all the money at once or can I leave an amount to be cashed out later?

You will need to cash out the entire voucher amount.

Must the salary be paid via a payroll provider as opposed to an EFT from one person to another for wages?

No, all salary payments except wage cash deposits and salaries that are processed and paid on the same day for example the 25th of the month, will benefit from EarlyPay.

My Airtime or Electricity purchase failed but account has been debited. What do I do?

If you don't receive your Prepaid Airtime or Prepaid Electricity purchase. Please contact our Customer Contact Centre on 0860 999 119 with your account number, the cell phone number of the missing airtime, data or electricity and the amount and we will investigate and if necessary, issue a refund

My airtime or electricity purchase failed but my account has been debited. What do I do?

If you don’t receive your prepaid airtime or prepaid electricity purchase, please contact our Customer Contact Centre on 0860 999 119 with the Transaction Reference Number for assistance. To find the Transaction Reference Number, go to ‘Previous transactions’ in your EveryDay account. Click on the purchase and a reference number

My debit card is lost/stolen/damaged. What should I do?

If you have lost your card, you need to visit a kiosk at a PicknPay or Boxer store and cancel the card you have lost. Once you have cancelled your existing card you can print a new one. Here is a link that shows you where you can find kiosks

My International E-commerce transaction is not working.

We want to give you the power to keep your account extra-safe, which is why we’ve enabled you to switch online shopping capability on and off on your card. So, check that this is turned on to enable online purchases. Another reason could be that you have not yet upgraded

My salary is paid into my TymeBank account but not a day early. Why?

This one is out of our hands, unfortunately. EarlyPay can only be offered to customers whose salaries are processed by their employer a few days before their actual payday. Some employers process and pay on the same day which means we can’t process these the day before.

Not banking online yet? You should be!

From family photographs to ride-hailing and emailing, your whole life is online. Shouldn’t your banking be too? With instant, easy and all-day access, online banking is far more convenient than the old-fashioned way. It’s cheaper and safer, too. “Doing the banking” used to take up half a morning. In the

Prepaid

Don’t pay extra fees when you buy prepaid electricity, airtime, data or SMS bundles using the TymeBank banking app or online banking.

Relationships: What type of money couple are you and bae?

Money can’t buy love … but it can sure turn relationships and the warm, fuzzy feelings you have for your partner ice cold. Couples handle finances differently; which of these scenarios below suits you and your partner? Take our quick quiz. There’s no doubt about it, money issues are a

Rewards

Double your Smart Shopper points when you swipe and pay at a Pick n Pay tillpoint.

SendMoney

Send cash instantly to anyone with a valid South African cellphone number, at the lowest cost, using our new SendMoney feature. Join TymeBank today.

Sepedi Banking Glossary

Tlwaetšo ya AppSe se bolela ge o bula akhaonte le TymeBank o diriša app ya TymeBank, yeo o tla bego o e taoneloutile go tšwa go Google Play, App Store goba AppGallery. Ge o bula akhaonte o diriša app ya TymeBank, e bolokegile gape e šireletšegile ka ge e diriša

Sesotho Banking Glossary

Tlwaetso ya AppHona ke ha o bula akhaonte ya TymeBank ka app ya TymeBank, eo o tla be o e daonloutile ho tswa ho Google Play, App Store kapa AppGallery. Ha o bula akhaonte o sebedisa app ya TymeBank app, ho bolokehile mme ho sireletsehile hobane e sebedisa tlhalohanyo ya

Setswana Banking Glossary

Tiriso ya appKe fa o bula akhaonto ya TymeBank o dirisa app ya TymeBank e o e laisolotseng mo Google Play, App Store kgotsa AppGallery. Fa o bula akhaonto o dirisa app ya TymeBank, go babalesegile e bile go sireletsegile ka gonne e sekaseka sefatlhego sa gago go lemoga gore

Should I change my debit orders to come off a day earlier?

No. Your salary will reflect later in the afternoon or evening and the debit order may be processed that morning which would mean it would not reflect as having been paid if the balance in your account is insufficient.

Should you start a side hustle?

If you are looking for ways to make extra money then maybe you should consider a side hustle. Here are reasons why and ways to start a side hustle.

Siswati Banking Glossary

I-App onboardingLoku kungesikhatsi nawuvula i-akhawunti yakaTymeBank ngekusebentisa i-TymeBank app, lotawube uyidawunilode ku-Google i-Play, i-App Store nome ku-AppGallery. Nawuvula i-akhawunti usebentisa i-TymeBank app, kuphephile futsi kuvikelekile ngobe isebentisa kubuka timphawu tebuso bakho kucinisekisa kutsi nguwe. I-KioskEma-kiosk eTymeBank mancane, esikhashana, atindlwana letitimele todvwa lapho ungafike uvule khona i-akhawunti yase-TymeBank, utsatse likhadi lakho

Standard Terms and Conditions

Below are the standard terms and conditions applicable to the TymeBank Transaction Competition. Entries open on 20 August 2021 and closes on 10 September 2021 at 18:00.No employees of TymeBank, its suppliers, directors, agent, consultants, partners or related companies and their immediate family members or any other person who directly

Students share their ingredients to become an entrepreneur

Students share vital ingredients to become an entrepreneur. Open an EveryDay Business account with TymeBank and keep the hassle out of your hustle.

Talking about money: why and how you should do it

Money plays a vital role in our lives but we shy away from talking about it. Here is why and how you should start talking about money.

The recipient has not received the SMS with the voucher number. What should I do?

Don’t worry, you can resend the SMS. First, make sure it is the correct number and that the person you are sending to is in an area with strong cellphone signal, and that their SMS inbox is not full. Then, go back to your transaction history on the SmartApp or

Tshivenda Banking Glossary

U ḓivhadza epeHezwi ndi mus vha tshi vula akhaunthu ya TymeBank nga kha epe ya TymeBank, ine vha nga vha vho u daunuḽouda u bva kha Google Play, App Store kana AppGallery. Musi vha tshi vula akhaunthu nga epe ya TymeBank, zwo tsireledzea saizwi itshi shumisa u ḓivha tshifhaṱuwo u

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Want to send someone money – Use ‘SendMoney’ feature available.

SendMoney is a fantastic feature, you only need the other person’s cell number and funds available in your EveryDay transactional account.

What are bank profiles?

TymeBank offers you three different kinds of bank profiles based on the type of relationship you have with us. The more we know about you (and can verify), the more access we can give you. Each of these three profiles gives you an EveryDay transactional account and up to 10

What are the benefits of having an EveryDay business account?

Keep your profit and savings safe with great interest rates on GoalSave No red tape or endless paperwork to open an account Easily get paid and pay others with EFT, or use SendMoney to pay suppliers without bank accounts Earn SmartShopper points anywhere you shop with your business account and

What are the costs and fees associated with an EveryDay Business account?

The EveryDay Business account is an account with no monthly fees, where many day-to-day banking transactions are free and there are low charges for other transactions, so you always know what banking with us is going to cost you. Have a look at the detailed costs and fees here.

What are the fees and interest associated with MoreTyme?

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,

What are the fees?

The fee for sending a SendMoney is R4.00 per transaction associated with the voucher transaction. There is no fee if the recipient is a TymeBank customer.

What are the monthly fees?

There are no monthly account fees. Essential day-to-day banking transactions are free and we charge low fees for other banking transactions. View our simple pay-as-you-bank transactional charges.

What are the monthly fees?

There are no monthly account fees. Essential day-to-day banking transactions are free and we charge low fees for other banking transactions.  View our simple pay-as-you-bank transactional charges.

What are the profile limits associated with the EveryDay Business account?

You need to be on the ‘Good Friends’ profile with your EveryDay personal account in order to open an EveryDay Business account. Your limits don’t increase but remain the same and are shared across both accounts.

What are the profile limits associated with the EveryDay Business account?

Your profile limits stay the same as your EveryDay Personal account limits. these limits are shared across both your EveryDay Personal account and your EveryDay Business account. You are allowed a maximum of 10 GoalSave pockets against your EveryDay Business account. The maximum limit across both your Personal and Business

What are the tax implications for a Sole Trader?

The owner of the Sole Trader pays income tax on all income listed on their personal tax return, including income from business activities, at the applicable individual tax rate for that year.

What are the transaction limits for each profile?

For a detailed breakdown of the profile limits; visit the "limits section" on the: Everyday Personal Account, or theEveryday Business Account

What can I do at a TymeBank kiosk?

You can open a TymeBank EveryDay account using just your fingerprints, ID number and cellphone number. You can also print your Visa debit card at a kiosk if you have already opened an account using the banking app or online banking. And, you can check your EveryDay Account balances and

What can I do with USSD cell phone banking?

Things you can do right now: Check the balance of your EveryDay account as well as the total balance of your GoalSaves.Use SendMoney to send instant cash to anyone with a SA cellphone number What you will be able to do soon Buy electricityBuy data and SMS bundlesMove money into

What cards can I use for Add Money?

Any VISA or MasterCard credit/debit card issued in South Africa that isn’t a TymeBank card. You can link up to three cards at a time, and swap one out every 30 days.

What do I do if I forget my PIN?

Call us immediately on 0861 007 250. Don’t write it down or share it with anyone.

What do I do if my credit card is lost, stolen or there are suspicious transactions on my credit card?

Call us immediately on 0861 007 250 and we’ll assist you.

What do I get on each profile?

“Just met” profile An EveryDay bank accountAccess to a powerful savings tool called GoalSave which you can use to create up to 10 different GoalSaves, put money in, take money out, or leave it in a little bit longer to earn as much as 7%* interest.Account balance and transaction limits. To

What documents do I need to open an account?

We’re a proudly digital bank so you don’t need any documents to open an account. You’ll just need to remember your registered South African ID number and have your cellphone with you to receive a one-time-pin (OTP).

What does “notice” mean?

Notice is the point in time at which you tell us that you will be cashing out your GoalSave.

What does it cost to use cellphone banking?

Standard SMS rates apply this is usually around 20c per 20 seconds.

What happens if I don’t get the goods that I ordered?

TymeBank is only responsible for the payment process of the transaction. If you do not receive your goods, or they are not what you ordered, you need to contact the store directly to query this. 

What happens if I exceed the maximum balance on my account

If you do exceed your limit, a TymeBank Customer Service team member will contact you and talk you through the necessary steps you need to take.

What happens if I exceed the maximum value for GoalSave?

The money you add across all your open GoalSaves cannot be more than R100 000. You will not be able to add more than that amount into your GoalSaves.

What happens if I lose my ID book or ID card and it is replaced with a new one

Because your identity is always confirmed by your ID number, together with your fingerprints, you never have to scan your replacement ID card or book. Although, you will have to, if your name changes. It’s important that you remember your ID Number.

What happens if I stop having my salary paid into my TymeBank account?

The additional interest will no longer be applied to your GoalSave payouts one month after your salary is no longer paid into your account.

What happens if I want to cancel my payout within the 10-day notice period?

What happens if I want to cancel my payout within the 10-day notice period?

What happens if someone sends money to my closed GoalSave?

They can’t send money directly to your GoalSave. The money transferred to you will appear as a deposit in your EveryDay account. If you have closed the old GoalSave, you can allocate the funds to another GoalSave or open a new one.

What happens if someone sends money to my GoalSave?

They can’t send money directly to your GoalSave. The money transferred to you will appear as a deposit in your EveryDay account. You will then need to add the money to your correct GoalSave.

What if I can’t pay my monthly credit card instalment?

Call us on 0861 007 250 and we’ll find a solution that suits you.

What if I need to change my cellphone number for the insurance policy?

To make changes on your policy, including changing a cellphone number, a policyholder needs to contact Hollard Life Customer Care Centre on 0860 333 118.

What if I need to change my cellphone number?

To make changes on your policy, including changing a cellphone number, a policyholder needs to contact Hollard Life Customer Care Centre on 0860 333 118. 

What if I need to make insurance policy changes e.g. dependants, beneficiaries, premiums etc.?

To make changes on your policy, a policyholder needs to contact Hollard Life Customer Care Centre on 0860 333 118.

What if I need to make policy changes e.g. dependants, beneficiaries, premiums etc.?

To make changes on your policy, a policyholder needs to contact Hollard Life Customer Care Centre on 0860 333 118. 

What if the kiosk isn’t working when I get there?

If the kiosk is switched off, please call us on 0860 999 119 and we’ll send out an Area Manager to fix it as soon as possible. In the meantime, you can use a TymeBank kiosk at another Pick n Pay or Boxer store close to you.

What information do I need to provide when logging a dispute?

To make sure Compuscan can log your dispute, please make sure you have the following before contacting Compuscan: a copy of your IDa proof of residence not older than three monthsyour reason for logging the disputea rescission document if you are disputing a judgment or admin ordera signed power of

What information is entered onto the screen of SmartApp or Internet Banking?

You only require the person’s mobile number you are sending money to and the amount that will be sent provided you have sufficient funds available in your EveryDay Transactional account.

What is a CVV number?

A CVV is the last 3-digit number on the back of your TymeBank debit card. You need to share this number to finalise your purchase.

What is a CVV number?

On the back of every bank card there is a unique 3-digit number. Online stores will ask you for this number for security purposes and to make sure the account number matches the card when you are making a purchase. 

What is a grocery benefit and how does it work?

This benefit pays a monthly cover amount for a period of 3 months following the death of the policyholder only. The monthly amount payable is equal to the average spend at Pick n Pay across all of the policyholder TymeBank cards over the 3 calendar months prior to the death

What is a grocery benefit and how does it work?

This benefit pays a monthly cover amount for a period of 3 months following the death of the policyholder only. The monthly amount payable is equal to the average spend at Pick n Pay across all of the policyholder TymeBank cards over the 3 calendar months prior to the death of the

What is a Monthly Assistance Benefit and how does it work?

This benefit pays a monthly amount (cover amount) for a period of 3 months following the death of the policyholder only. The monthly amount payable is equal to the average deposits made over all of the policyholder’s TymeBank accounts over the 3 calendar months prior to the death of the

What is a Monthly Assistance Benefit and how does it work?

This benefit pays a monthly amount (cover amount) for a period of 3 months following the death of the policyholder only.  The monthly amount payable is equal to the average deposits made over all of the policyholder’s TymeBank accounts over the 3 calendar months prior to the death of the policyholder. The monthly

What is Free Basic Electricity and how do I get it?

Free Basic Electricity (FBE) is a government initiative that offers a small amount of free electricity per month to low-income households with qualifying meters. If you qualify, you can request FBE from your TymeBank SmartApp or Internet Banking, once a month. You’ll need to contact your energy provider (such as

What is Free Basic Electricity and how do I get it?

Free Basic Electricity (FBE) is a government initiative that offers a small amount of FREE electricity per month to low-income households with qualifying meters.  You'll need to contact your energy provider or Municipality to find out if you qualify. If you do qualify, you can FBE by selecting it in

What is GoalSave?

GoalSave is a powerful savings tool that you can activate when you open an EveryDay account with TymeBank.

What is Hollard Life’s Customer Service’s email address that needs to be used by policyholders?

A policyholder may lodge a complaint with Hollard Life Assurance Company Limited by sending an email to: mycomplaint@hollard.co.za

What is Hollard Life’s Customer Service’s email address that needs to be used by policyholders?

A policyholder may lodge a complaint with Hollard Life Assurance Company Limited by sending an email to: mycomplaint@hollard.co.za 

What is MoreTyme?

MoreTyme is an exciting new payment method from TymeBank. It gives you more time to pay things off with no interest or fees! There’s no activation fee and no monthly fee either so you never have to pay more than the original purchase price of the item(s) you buy.

What is my credit limit?

You can see your credit limit in your pre-agreement document, as well as on all your credit card statements and in the TymeBank App.

What is my maximum send limit of a SendMoney transactions?

The total amount for all value-added services (which includes electricity, airtime and SendMoney) equals to R3000 per day. If you have used R100 for an electricity purchase, your balance will then be R2900 to use for the day.

What is the Hollard Life Customer Centre Service number for policy changes and claims?

Hollard Life Customer Care Centre: 0860 333 118 - Hollard Life Claims Care Centre: 0860 88 88 50 If a policyholder is unhappy with the service received when the policy was sold to him/her, he/she needs to contact TymeBank’s Client Service Department directly at: Telephone: 0860 999 119 - Email:

What is the Hollard Life Customer Centre Service number for policy changes and claims?

Hollard Life Customer Care Centre: 0860 333 118 - Hollard Life Claims Care Centre: 0860 88 88 50  If a policyholder is unhappy with the service received when the policy was sold to him/her, he/she needs to contact TymeBank’s Client Service Department directly at: Telephone: 0860 999 119 Email: service@tymebank.co.za 

What is the maximum value I can add to GoalSave?

The maximum amount of money you can add to your GoalSaves depends on your profile, but it cannot be more than R100 000 in total across up to 10 GoalSaves.

What is the maximum value I can hold in all my GoalSave accounts?

The maximum is R100 000, plus the interest you have earned on your savings.

What is the number to access TymeBank USSD

*120*543# Or if you don’t have airtime you can use *130*543# to buy airtime. 

What is the process for sending money to a non-TymeBank customer?

If you are using SendMoney to give money to someone who doesn’t have a TymeBank account, then after you have done the transaction they will receive an SMS with the voucher number. They can then take this number to any Pick n Pay or Boxer till point to get their

What is the process for sending money to an existing TymeBank customer?

If you send money to someone who also has a TymeBank account, the money will immediately go into their TymeBank EveryDay account. There will be no cost to you or the person you are sending money to. If there is a problem with their account, the amount you tried to

What is the return policy when I make a purchase with MoreTyme?

Returns are subject to the store’s return policy. Please get in touch with the retailer if there is something wrong with the goods you purchased. Once a refund has been processed by the retailers, it will come through to us and we will make the appropriate adjustment to your MoreTyme

What is the TymeBank branch code?

When someone wants to pay you via an EFT they will need your account number and a branch code. You can find your account number on your debit card, or when you login to the SmartApp or Internet Banking. Our branch code is 678910.

What is TymeBank Credit?

The TymeBank Credit Card is an internationally-recognised VISA credit card, brought to you by TymeBank in association with RCS, a registered credit provider.

What must I do if money comes off my account and I didn’t order anything?

If you notice unusual activity on your account, you must immediately contact our fraud department and log a transaction dispute. 

What should I do if the money is debited from my account, but the retailer doesn’t get my order?

Please get in touch with the shop you bought the goods from and follow up on your order. 

What to consider before buying a car

Buying a car is a big commitment. Here is a list of things to considerbefore making your purchase.

What to do with your tax refund

Tax season – you either love it or hate. For those who love it here’s some help to decide what to do with your tax refund.

When buying airtime or electricity, I captured the incorrect meter number or cellphone number, can I cancel or reverse my purchase?

No, you can't. Once you've finished your transaction it can't be reversed. So, always double-check that the information you have entered is correct before completing your purchase.

When buying electricity, I captured the incorrect meter number. Can I cancel my purchase?

No, you can’t. Once you’ve finished your transaction it can’t be reversed. So, always double-check that the information is correct before completing your purchase.

When can I take my purchase home if I pay with MoreTyme?

That’s the best part: you take it home straight straight away. Unlike a lay-by, there’s no waiting. You get to enjoy what you've bought while you’re paying it off.

When do the benefits start date begin?

The benefits start immediately after the first premium has been paid. 

When do the insurance benefits start date begin?

The benefits start immediately after the first premium has been paid.

When I try to login to the kiosk, I get an error message. What now?

Error messages can mean different things. If you see an error message, contact our customer service centre on 0860 999 119 and we can let you known if it’s a problem with the kiosk or with your account. If you can take a photo of the error that would also be

When must I do the payout to qualify for the additional interest?

Any payout of a GoalSave with 10 day’s notice in the month after your salary has been deposited into your EveryDay account, will qualify for the additional interest. For example, if you have your salary paid into your account in September 2020, you will receive the extra interest when you

When must my salary be paid into my TymeBank account?

Your salary must be deposited into your TymeBank account the month before you want to give the 10-day notice payout of your GoalSave, to get the additional interest. For example, if you have your salary paid into your account in September 2020, you will only get the additional interest when

When will my payment reflect?

Payments made before the cut-off times will take 2 working days (excluding weekends and public holidays) to reflect and payments made after the cut-off times will take 3 working days to reflect. Cut-off times: Mon – Fri 3 pm (15:00) Sat – 12 pm (12:00) Sun – no banking day

When will the money come off my account?

The money will be debited from your account as soon as you pay for the purchase. 

Where can customers that have accounts sign up to take up this insurance policy?

This product will first be made available only to new TymeBank bank account customers in September 2020 as part of phase 1 of the project.Phase 2 will entail cross-selling this funeral product to existing TymeBank bank account customers

Where can customers that have accounts sign up to take up this policy?

This product will first be made available only to new TymeBank bank account customers in September 2020 as part of phase 1 of the project. Phase 2 will entail cross-selling this funeral product to existing TymeBank bank account customers 

Where can I find a kiosk?

We have TymeBank kiosks all over South Africa in almost all Pick n Pay and Boxer stores. You can click here to see where to find them.

Where can I get a statement for my Business Account?

You will get a separate monthly account emailed to you once a month, or you can also email your statements directly from the app or internet banking.

Where can I get help If I’m having trouble using my card to shop online?

If you need assistance, you can chat to a TymeBank ambassador in a Pick n Pay or Boxer store, or you can give one of our call centre agents a call on 0860 999 119 for assistance. 

Where can I shop with MoreTyme?

Login to the app and go to your MoreTyme dashboard. That’s where you’ll find the most up to date list of our partner retailers. It’s growing quickly so keep an eye on it for updates.

Where can I use my TymeBank CreditCard?

Use it at over 29 million merchants worldwide where you see the Visa logo.

Who do I contact for queries on my policy?

A policyholder will need to contact Hollard Life Customer Care Centre on 0860 333 118.

Who do I contact for queries on my policy?

A policyholder will need to contact Hollard Life Customer Care Centre on 0860 333 118. 

Who is eligible to take up the insurance product?

For the first phase, you must be a new TymeBank Personal EveryDay account holder between the ages 18 and 79, with your details verified at a TymeBank kiosk. This means you need to have opened your account and received your TymeBank debit card from a kiosk at a Pick n

Who is eligible to take up the product?

For the first phase, you must be a new TymeBank Personal EveryDay account holder between the ages 18 and 79, with your details verified at a TymeBank kiosk. This means you  need to have opened your account and received your TymeBank debit card from a kiosk at a Pick n Pay store. 

Who is responsible for giving me a refund if the goods need to be returned?

TymeBank is only responsible for making the payment to the online shop. Any problem or defect with the goods themselves need to be directed to the online retailer. 

Who pays the fee?

The fee is applied when the voucher is generated – the value of the voucher is, therefore, R4 less than the value entered by the sender. If you are sending R100, the receiver will only receive R96.00 which is displayed on the SMS to the recipient and this is the

Why am I getting a "limit exceeded" error when trying to buy airtime or electricity?

We have a daily limit on SendMoney, airtime and electricity purchases, combined. So, check that you are not over your daily limit.

Why am I getting a “limit exceeded” error when trying to buy airtime or electricity?

We have combined daily limits on SendMoney, airtime and electricity purchases. Please check that you are not over your daily limit. View profile limits here.

Why am I limited to 10 GoalSaves?

Having 10 active GoalSaves at any point in time allows you to prioritise the things that are most important to you. There is no limit to the number of GoalSaves you can open and close over time.

Why are there different profile limits?

Why are your charges so low?

TymeBank is a new kind of bank that’s digitally smart. The money we save by not having branches benefits you, as it allows us to charge you a lot less for your banking services. Which means no monthly fees, many day-to-day banking transactions are free and low charges for other

Why can’t I get my OTP to complete my online shopping transaction via email?

For security reasons, we only send OTPs to cellphone numbers. That’s why it’s important to make sure we have your correct number.

Why do I need to have my cellphone with me when I shop online?

During checkout, we’ll verify that it’s you that is shopping by sending you a One Time Pin (OTP) to the cellphone number registered to your account. This is just an extra security measure during the payment process to keep your money safe. 

Why do I need to have my cellphone with me when I shop online?

During checkout, we’ll verify that it’s you that is shopping by sending you a One Time Pin (OTP) to the cellphone number registered to your account. This is just an extra security measure during the payment process to keep your money safe. 

Why doesn’t my card work at all online stores?

We are adding stores all the time, but this involves a process, which includes checking that the store has all the right security and capabilities, which can take a bit of time. 

Why have I not received my prepaid electricity token yet?

Your token number will reflect on the SmartApp or Internet Banking after you have made the purchase. If you close the app before using the token, then don’t worry, you can just log back in and view your previous transactions to see the token number again. Go to ‘Previous transactions’

Why is Customer Protection Insurance beneficial?

In the following circumstances, as explained in the terms and conditions, your credit card instalment will be covered: Death or permanent disability - your full outstanding balance will be settled. Temporary disability or loss of income - covers up to 12 months’ instalments.

Why is my online shopping transaction not going through?

Here are a few possible reasons why your online shopping transaction might not be going through: Have you activated your TymeBank card? Activate it by adding money to your account. Deposit money at any Pick n Pay or Boxer store till point or via EFT.Is the online shopping functionality on

Why is my prepaid electricity token not working on my prepaid meter?

The token gets generated by your energy provider (such as Eskom or your local Municipality) and we send it to you. If the token is not working on your meter, you’ll need to contact your energy provider directly as your meter may be faulty.

Why is my prepaid electricity token not working on my prepaid meter?

The token gets generated by a third-party energy provider and we send it to you. If the token is not working on your meter, you'll need to contact your energy provider directly as your meter may be faulty.

Why is the International Online Purchase fee charged on ZAR transactions?

Certain International merchants are shown in the home currency, in other words where you are browsing or shopping from, this includes website like Netflix. However, Netflix is a foreign company which is why we still need to charge the 2% online purchase fee. 

Why must I wait 10 days to cash out to receive the bonus?

We want to help you manage your money better and maybe even think twice before you buy something on impulse. We hope that a 10-day cooling off period will encourage you to think carefully about how and what you are spending your savings on.

Why should I switch e-commerce off when I’m not making an online purchase?

You don’t have to switch it off when you’re not shopping online but we strongly encourage you to do so as an extra measure to protect yourself against fraud. 

Will I be charged a fee when I get transaction notifications or swipe my TymeBank CreditCard?

No fees are charged when you receive a transaction notification or swipe your card at a till or use it online.

Will I receive a separate monthly statement for my EveryDay Business Account?

Yes. Your EveryDay Business account statement will be e-mailed once a month directly to the email address you provided when you registered.

Will I receive my EveryDay Business account statements?

You will receive a monthly EveryDay Business account statement sent to the same e-mail address that you get you EveryDay Personal statement. You can also download your business statements via the app, for free.

Will my Business GoalSaves also benefit from the additional interest?

Both your personal GoalSaves and your Business GoalSaves will benefit from the additional interest, no matter which account your salary is paid into.

Will my salary reflect early if it falls on a weekend or public holiday?

Yes! Look out for your salary in your account between 4 and 6pm, even if the day is a weekend or public holiday.

Xhosa Banking Glossary

Ukungeniswa kwi-AppKuxa uvula i-akhawunti ka-TymeBank nge-app ka-TymeBank, oya kube uyidawunlowude ku-Google Play, kwi-App Store okanye kwi-AppGallery. Xa uvula i-akhawunti usebenzisa i-app ka-TymeBank, ikhuselekile kwaye inqatyisiwe kuba isebenzisa inkqubo yokuphawula ubuso ukungqinisisa ukuba unguwe ngokwenene. I-KioskIi-kiosk zika-TymeBank zincinci, zezexeshana, zii-booth ezizimeleyo apho unokuvula khona i-akhawunti ka-TymeBank, ulande idebhithi khadi yakho ye-Visa

Xitsonga Banking Glossary

Ku tirhisa appLeswi swi vula loko u pfula akhawunti ya TymeBank hi TymeBank app, leyi u nga ta va u yi dawunilodile eka Google Play, App Store kumbe AppGallery. Swi hlayisekile ni ku sirheleteka ku pfula akhawunti hi TymeBank hikuva yi tirhisa nchumu lowu tivaka ndlela leyi nghohe ya wena

Zulu Banking Glossary

I-app onboardingLokhu kulapho uma uvula i-akhawunti yase-TymeBank nge-app ye-TymeBank, ozobe uyidawunilode ku-Google Play, ku-App Store noma ku-AppGallery. Uma uvula i-akhawunti usebenzisa i-app yase-TymeBank, iphephile futhi ivikelekile ngoba ifunda ubuso bomuntu ukuze ifakazele ukuthi nguwe. I-kioskAma-kiosk ase-TymeBank amatafula amancane, esikhashana, azimele lapho ungavula khona i-akhawunti yase-TymeBank, ulande khona ikhadi lakho lamahhala