The TymeBank card is a Visa debit card linked to the bank’s EveryDay account, built for day-to-day spending.
TymeBank presents this product as “free banking” with a R0 monthly fee structure, while some transactions still carry specific charges.
This article summarizes the main benefits, fees, and application steps TymeBank publishes for its EveryDay account and related services.
What the TymeBank card is
TymeBank’s consumer card is positioned as a debit product, meaning card payments are funded from the available balance in your EveryDay account.
In practice, that also means you typically do not see a “purchase interest rate” on the card itself.
TymeBank’s “interest rate” messaging is mainly connected to its GoalSave savings product, not to card spending.
In other words, the card is primarily a transaction tool, while the bank’s published interest figures relate to savings balances and savings rules.
Core benefits highlighted by TymeBank
TymeBank promotes several practical benefits around everyday banking costs and access points.
Commonly highlighted benefits include R0 monthly fee positioning for the EveryDay account, local and online purchases.
A branch-light model supported by kiosks in major retail partners, where customers can open accounts and collect cards.
Multiple ways to access balances and services, including USSD and digital banking, which can be useful when you do not have data or Wi-Fi.
Fees and charges to know before you use the card
TymeBank publishes a detailed EveryDay account fees and charges schedule, and it is the safest reference point because individual charges can change.
Below are the fees TymeBank lists for common situations that cardholders often encounter.
- Monthly fee: R0 for the EveryDay account.
- Cash withdrawal at any ATM in South Africa: R10 per R1,000 (or part thereof).
- International ATM withdrawal: R70.
- Debit card / debit order / ATM decline fee (for example, insufficient funds or incorrect PIN): R3.
- Card replacement: R70.
TymeBank also lists an international transaction conversion charge in its published fees for the EveryDay account.
In practical terms, this is a fee that can apply when you transact in a foreign currency and the transaction must be converted.
Interest rates: what applies to TymeBank customers
Because TymeBank’s card is a debit product, “interest” is usually relevant on the savings side, especially through GoalSave.
TymeBank markets GoalSave as offering up to 10% interest, and it explains a specific condition for earning the bonus rate.
Customers must complete 10 or more transactions in their EveryDay account for three consecutive months.
How to apply for the TymeBank card
TymeBank’s registration flow indicates you need a South African ID number and an active South African cellphone number for onboarding.
Start registration through tymedigital.co.za. Provide required identity details and complete verification steps as prompted.
Once the account is open, obtain and start using the Visa debit card linked to the EveryDay account.
The official registration page also prompts users to download the TymeBank app as part of opening an account.
Apply and collect the card at a kiosk
TymeBank also describes a kiosk-based option in partner retailers.
Customers can use kiosks located at Pick’n Pay, Boxer, and TFG stores to open an account, collect the card, and speak with ambassadors.
This route is commonly used by customers who want in-person help with the basic sign-up steps while still using a branch-light model.
Ways to bank and manage the account after you get the card
TymeBank lists balance checks and services via USSD, including dialing *120*543# or *130*543# (as published in its USSD help content).
You can withdraw and check balances at South African ATMs with the Visa card, with the listed ATM withdrawal charge shown in its materials.
For people who rely on low-data options, USSD can be a practical backup channel when the app is unavailable.
The key point is to use only the USSD codes TymeBank publishes to reduce exposure to impersonation attempts.
Customer support, phone numbers, and physical address
Customer Care/Urgent Fraud Line: 0860 999 119.
Registered address (registry listing): 30 Jellicoe Avenue, Rosebank, Johannesburg, 2196, South Africa.
Registry-listed phone (NCR entry): 087 286 8833.
TymeBank card vs competitor debit cards (South Africa)
TymeBank’s EveryDay account is positioned with no monthly fee, which matters if you’re trying to keep fixed banking costs low.
TymeBank leans on partner kiosks and retailer touchpoints for onboarding and basic service access, which can be more convenient.
| Provider / product | SA ATM cash withdrawal | International card purchases / FX | Card replacement / card cost | Notes |
|---|---|---|---|---|
| TymeBank (EveryDay debit card) | R10 (cash withdrawal at any SA ATM) | 2% conversion for international transactions | R70 replacement | Also lists R70 for international ATM withdrawals and R3 for declines |
| Capitec (Global One debit card) | R10 per R1,000 at any bank’s ATM in SA | International card-machine purchases shown as FREE; R2 “international online/scan to pay processing fee” | R70 physical card replacement | Fees shown as valid from 1 Oct 2025 |
| Standard Bank (MyMo Account debit card) | R9.50 per R1,000 | 2.75% foreign currency conversion fee | R160 replacement card | “DigiME” in the guide shows a R0 monthly fee option |
| Bank Zero (debit card) | R10 per R1,000 block (cash-out at ATM) | “Mark-up for card purchase in foreign currency” 1.8% | Debit card collection/delivery costs shown (e.g., R83 Clicks collection / R125 delivery) | The one-page pricing guide is dated 2026 |
| Absa (Transact Account debit card) | R10 per R1,000 | Not stated on the product page (pricing depends on Absa’s rates/fees guides) | Not stated on the product page | Page also lists lost/stolen card numbers and head office address |
Conclusion
TymeBank’s EveryDay account and Visa debit card are positioned around a R0 monthly fee model, with specific, published charges.
If you are considering the card, review the latest TymeBank fee schedule and choose the sign-up route that best suits you (digital onboarding or a partner kiosk).
Disclaimer: This article is for general information and does not replace TymeBank’s official terms, fee schedules, or product disclosures. Fees, eligibility rules, and savings interest rates can change, so confirm current details directly through TymeBank’s published channels before making a financial decision.
