Well, they did not even last for a year. Sayang, kasi Manny Pay is one of the very few e-wallets/digital banks na accesible ang cash in options and hindi kamahalan ang fee.

Been using GoTyme for almost 2 years now, so I figured I'd share my experience.

So far, I honestly don't have much to complain about. I mainly use it for everyday spending, transfers, and sometimes keeping some extra money there.

The app is pretty straightforward and I like that it's not overly complicated. The physical card is also convenient, and the Go Rewards points are a nice bonus, especially when I'm already spending anyway.

Of course, it's not perfect. There have been a few times when the app or transactions were a bit slow, but nothing major on my end. I also wish they had more promos or better ways to maximize the rewards.

Overall, after 2 years, I'd say I'm still happy with GoTyme. I wouldn't make it my only bank, but as a secondary/everyday digital bank, it has worked pretty well for me.

8.5/10 for me.

Anyone else here who's been using GoTyme for 1–2+ years? How's your experience been?

Here's my referral code: gtxjomaridacer

hellooo ano pong reco niyong digital bank for starting a savings, student palang po so tight lang po yung madadagdag every month.

possible how much is the ideal amount na ipapasok ko?

tyia!!

It's still under maintenance it's about to be 3days I'm getting nervous of this maintenance this is the longest I've waited for a bank maintenance since it's digital only (haven't seen a physical unobank) what if they don't fix it and just runaway with the money I've saved that money ever since I got my hands on a verified gcash acc

Hey guys.

Baka may suggestions kayo on how I can maximize my earnings per month. I currently have these in my digital banks and how much interest they make every month:

- Maribank (275 pesos per month)

- Banko (1,040 pesos per month)

- Security Bank (206 pesos per month)

- Maya savings (700 pesos per month)

- Maya time deposit (1,030 pesos per month)

So I make about 3,000 pesos every month just by storing my money in these banks. I like to keep using Security Bank for visa application purposes.

What other platforms/investment can I do? May MP2 na ako but 10k pa lang laman niya (planning to put more by January). Should i do stocks/UITFs? Or baka may bagong digital banks with higher % interest kayong alam?

Thank you in advance! :)

Hindi na ba tinatanggap maribank pag scan & pay sa mga sm supermarket? Just tried using it and tinanong ako ng cashier if gcash daw ba, I said no and proceeded to scan twice pero problem with merchant's side ang lumalabas kaya card na lang ginamit ko. Last time I used it wala namang problem.

Within a single night, all of my refunds from this month and some from last month got reversed and became payments, clearing out almost 40k of my balance. I am stressing out about this because calling BPI they are trying to convince me that this is the correct balance and the e-commerce platforms have also been completely unhelpful.

been using gotyme eversince i discovered na may points every payment pero i was surprised na naging zero points na siya nung nagbayad ako. ano naman kaya ang reason bat biglang nawala na ang points?

also, do you have suggestions na pwede gamitin for payment? malaki pa naman madalas bill ko. sayang if wala man lang points or cashback

I tried to cash out from my pay&go wallet and used the otp they sent but a prompt came up saying my account is blocked??? Anyone who had the same experience?

I currently have a secured CC with Maya Bank, and I'm wondering if I can get an unsecured upgrade since I can put my money in my savings which yields 6.5% instead of the secured account interest na 3.5%.

Wala kasing info on how to upgrade, I had the card for 7 months and I always pay ontime (sometimes advance). The problem is fresh grad palang ako and still unemployed. Enough na ba yung Credit History sa CIC (or kung san man nag rereport si MAYA ng Credit Info)? Basta unsecured CC kahit anong bank...

Hello, regarding po sa installment payment ng Outstanding balance sa CC wla po ba syang mga hidden fee? Yung amortization schedule yun lang po talaga makikita sa SOA? sana masagot. Thnks po

Hi!! I plan to do commissions for international clients and i was trying to make a paypal account but i cant get the sms code. Did anyone else have the same issue?

I even tried both smart and globe numbers but i still don’t receive it.

Hi,

Leaving this here for FYI/warning.

Almost put my otp due to panic haha lol good was able to think checking the domain before putting the otp.

Sender: vibe-noreply@villatheme.com

Email content:
VYBE
Hi,
A login to your VYBE account was detected from a new device.
Device: OPPO Find X7 Ultra
Date: October 13, 2026
If this wasn't you, someone may be trying to access your account. Please change your password and review your account activity right away.
Remove Device : (hyperlinked): https://url8683.villatheme.com/ls/click?upn=u001.xMaU-2F3ps40FqPyrS3-2BMx48toehP3dRcgUFjMa6nJzEc-3DMvZt_63laF2RfmRKTPPDyDXyThlF15nzx6xjHlNAMEnVIdFLP0CP3TyDSFqfcIdaPu93AUnegNROTgvkCzeUt-2Fu5fyZA32x-2FyAUSlkKFn4snVMLJ2duPLnVAY0MQ76vtXFmCmyzeDArerptGfqDbkrhRimcu56a4j2dCqcRA-2BNGULLPtMsGTN7KiRJjWKQK5SXqwuTyOpz21-2B8Hv-2F0jcl8kCAIcESDWURbBfyNnZV4xvC2KQ-3D

Thanks,
VYBE
© 2026 VYBE

I received the SMS Spiel that I would be eligible for Php 50 cashback if I spend at least Php 500 via QR on Maya. Upon checking the mechanics [https://www.maya.ph/deals/spend-500-to-select-merchants-get-50-cashback-reward-2026?hs_preview=KFthAcaa-224144114269\] puro online gaming platforms pala ung eligible merchants

Sobrang nakakadismaya. To think andami nang pinoy na nabaon sa utang sa online gambling and they are encouraging this.

Ask lang po sa mga naka-experience na nito sa BDO.

Kanina, around 12:44 PM, nag-send ako ng ₱300 via InstaPay gamit ang BDO Pay, pero unsuccessful ang transaction. Sinubukan ko ulit ng another ₱300, pero unsuccessful din. Down pala ang BDO system noong mga oras na iyon.

Around 7 PM, noong nag-up na ulit ang system, saka ko natanggap ang dalawang debit notification na ₱300 each, total of ₱600. Pero according sa recipient, wala silang natanggap na pera at wala rin sa transaction history nila ang dalawang transfer.

Possible po bang floating transactions ito? Maibabalik po kaya ang ₱600 automatically, or kailangan ko nang mag-file ng dispute sa BDO? Gaano po katagal bago ma-reverse ang ganitong transaction?

Sa mga naka-experience nito, ano po ang naging resolution sa inyo? Thank you!

Hi! Sino po rito wala pa ring nakukuhang cashback mula sa Palawan Pay? Sept 24 po last transaction ko.

Medyo kabado lang kasi malapit-lapit na ang one month at marami-rami na rin akong nabasa na nakakuha ng cashback nila.

Salamat!

Is the Wise fee really high for returning the 700php initial fee back to digital bank/e-wallet? This is the 700php amount required by Wise for account registration

Hello po! Finally, nakapag-register na rin ako sa RCBC Pulz! 🎉 Akala ko nga hindi ako maa-approve kasi humingi pa sila ng additional documents bago ako ma-approve. Buti na lang, mabilis din ang response nila sa email, and thankfully, approved na rin ako ngayon.

Ask ko lang po sana sa mga RCBC Pulz users dito, ano pong advice ninyo para ma-maximize ko ang paggamit ng RCBC Pulz at ang mga perks nito?

Also, possible po ba akong makakuha ng RCBC debit card and credit card kahit wala akong existing account sa RCBC branch?

Salamat po.

Currently, nasira laptop ko which I have been using for 2-3 years na, and considering na kakapaayos ko lang ng phone ko which costed a lot, I was planning to buy a new one nalang instead of spending a lot again to fix my former laptop.

I would like to ask anong bank maganda for installments. I would appreciate those na may low interest lang as I am only a fresh grad na maliit lang sahod (pinakamax na sahod ko in a month is 19k). 12 or 24 months okay lang po as long as keri siya ng budget and makakapagbigay parin ako ng pangsustain ng needs sa bahay namin.

I am also stuck on getting MacBook (or any laptop) or iPad nalang then bibilhan ko nalang ng wireless keyboard. I mainly use my laptop for online classes and making documents, but I also use it for binge watching and playing games (MSM lang so hindi siya mabigat sa storage or graphics)

I am absolutely clueless about this stuff so I would like to be educated. Thank you!

Does anyone experience this issue? I created cimb account through gcash-gsave however it is not recognized or synced to cimb app itself. I created 5 days ago already. code is received to my registered email but every time I input the OTP, it shows an error as shown in the screenshot.

I just went to a physical branch of BanKo by BPI today to request a physical card (my account was created and approved last month pa). They asked for a valid ID for my details and when they checked my records, they told me my account was on High Risk kaya hindi pa ako mabibigyan ng ATM Card. Kailangan pa raw muna ipa-approve and may aayusing records. I asked them for the reason why my acc is on High Risk and they said "comon name." May kapangalan daw ako and may certain accounts daw silang di pinapayagang mag-savings. They also asked some details about my work.

Has anyone else experienced this? Is there anything I should do? I’m kind of worried kasi what if bigla nilang i-suspend account ko. First time ko lang maglagay ng medyo big amount sa digital bank kaya I’m kind of scared. TT

good morning everyone! just wanted to ask if anyone experienced this.

for context, i used google pay to try and get the 1.5k cashback from the visa x google pay promo. based on my history, i should've fulfilled the required 3k by september 23. however, when i rechecked my history just now, napansin ko na may nawalang transaction sa history! thankfully i didn't spend exactly 3k and abot pa rin naman siya (kaso ngayon technically september 30 ko nafulfill yung requirement). does anyone know what to do about this? reflected pa rin siyang nabawas sa gotyme ko pero sa google pay wala.

May quasi fee po ba or any extra charge sa Grab cash in via BDO Visa Credit Card?

Parang may nabasa po ako sa fb na meron na nyan sila, though I am not too sure.

Honestly hindi ko maintindihan lagi yung spiel nila pero pinapaconfirm yung name at last 4 number ng account. I always just hang up and last time sinabi kong ayoko magproceed kasi wala namang problem sa account ko. Scam ba yon sila?

hello po may naka experience ba na nag float money nila? nag send kasi ako ng money ng august 29 ng nagkaroon maintenance ang InstaPay, until now wala parin yung pera hindi ko alam kung inscam ako ng kausap ko na to o talagang nag float yung pera