How to transfer savings to your account balance in GoTyme

In GoTyme, your savings account and your account balance (the money you use for everyday transactions) are separate. To move money from savings into your account balance, you use the app's transfer feature. The process takes a few taps and the money moves right away — you do not need to wait for approval or contact customer service.

GoTyme is a digital bank, so everything happens through the mobile app. You cannot transfer at a physical branch or by phone. If you do not have the GoTyme app installed, read it from the Apple App Store or Google Play Store, then sign in with your registered phone number and PIN.

Key Takeaways

  • Open the GoTyme app, go to your savings account, and select the transfer or send option to move money to your account balance.
  • The transfer happens when ready and costs nothing — GoTyme does not charge fees for moving money between your own accounts.
  • You can transfer any amount up to your savings balance, and the money is available in your account balance right away.
  • If the transfer does not go through, check that you have an active internet connection and that your savings account has enough funds.

Step-by-step transfer process

Open the GoTyme app and sign in if you are not already logged in. On your home screen, you will see your account balance at the top. Below that, you should see your savings account listed separately.

Tap on your savings account to open it. Look for a button or option labeled "Transfer," "Send," or "Move Money" — the exact wording may change as GoTyme updates the app, but it will be near the top or bottom of the savings account screen. Tap that button.

Select your account balance as the destination. The app will ask you where you want to send the money. Choose your main GoTyme account (your account balance). Then enter the amount you want to transfer. You can transfer any amount from one peso up to your full savings balance. Review the amount to make sure it is correct, then confirm the transfer.

The money moves when ready. You will see a confirmation message in the app, and your account balance will increase right away. Your savings balance will decrease by the same amount. You do not need to wait for the transfer to process — it is done the moment you confirm.

What to do if your transfer does not work

If you tap the transfer button and nothing happens, or if you get an error message, first check your internet connection. GoTyme transfers require an active connection — try switching from WiFi to mobile data, or vice versa, and try again.

If the error persists, make sure your savings account has enough money to cover the transfer amount. You cannot transfer more than your savings balance holds. If your balance is low enough, try transferring a smaller amount first to see if the issue is the amount or something else.

If you still cannot transfer after checking both of those things, contact GoTyme customer service through the app. Tap the menu or settings icon, look for "Help" or "Support," and message them with a description of what happened. They can tell you if there is a temporary issue with your account or the app.

Fees and limits

GoTyme does not charge a fee to transfer money from your savings to your account balance. The transfer is free because you are moving money between two accounts you own at the same bank.

There is no limit on how many times you can transfer per day, and no limit on the total amount you can move — as long as you have the money in savings, you can transfer it. Some banks limit savings withdrawals, but GoTyme does not restrict transfers between your own accounts.

When your money appears in your account balance

The transfer is when ready. The moment you confirm it in the app, the money leaves your savings and arrives in your account balance. You can use it right away to pay bills, send money to other people, or withdraw it from an ATM.

You will also see the transfer show up in your transaction history. Open your account balance and scroll down to see recent transactions — the transfer will be listed there with the date and time it happened.

Moving money back to savings

If you transfer too much, or if you want to move money back into savings later, the process is the same but in reverse. Open your account balance, tap the transfer button, select your savings account as the destination, enter the amount, and confirm. The money moves back to savings when ready with no fee.

Some people use this to move money into savings on payday, then transfer it back when they need it. There is no penalty for moving money back and forth between your accounts.

Frequently Asked Questions

Does the transfer cost anything?

No. GoTyme does not charge fees to transfer money between your own accounts. The transfer is free whether you move money from savings to your account balance or the other way around.

How long does the transfer take?

It is when ready. The money appears in your account balance right away, usually within seconds of you confirming the transfer. You do not need to wait for processing time.

Can I transfer money if I do not have internet?

No. GoTyme is a digital-only bank, so you need an active internet connection to use the app and make transfers. If your connection drops, try again once you are back online.

What if I transfer the wrong amount?

You can transfer it back. If you moved too much money to your account balance, just open your account balance, tap transfer, select savings as the destination, and move the extra amount back. There is no fee and no waiting period.

Is there a maximum amount I can transfer?

No. You can transfer any amount up to your full savings balance. GoTyme does not set a per-transfer limit for moving money between your own accounts.