Comparison

PayCentral vs TymeBank

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

PayCentral

Features
Read full description

PayCentral are leaders in prepaid payment solutions and specialise in creating industry specific debit cards that allow businesses to pay, incentivise and reward their staff or consumers. Our secure online platform allows business owners to make payments using an alternative payment mechanism. Card holders are able to store and spend their money with ease in a cost-effective environment. We work together with our clients to create customised solutions which enable them to easily manage, monitor and effectively control funds which used in their business operations. PayCentral has significant expertise in the rewards and incentive market and our products can be used across all industries. Our cards are powered by MasterCard and Standard Bank, providing much needed national coverage for all cardholders. PayCentral is a proudly South African Level 1 B-BBEE company, operating out of Johannesburg and Lusaka. We have a firm commitment to empowering individuals and doing our bit to make a difference in disadvantaged communities. INSTANT. ANYWHERE. ANYTIME.

About

TymeBank

This banking app offers a streamlined and secure way to manage your finances. Enjoy high interest rates on savings, free instant payments, and a personalized debit card for local and international use. Experience smart, simple banking with no monthly fees.

Highlights
  • Earn up to 10% interest with GoalSave
  • Free instant payments
  • Free personalized GoTyme Bank Visa debit card
  • Faster, more secure banking experience
  • No monthly fees
  • No paperwork
Features
Read full description

TymeBank is now GoTyme Bank. We’ve got a new name — and a new app New to the bank? To open a new account, download the GoTyme Bank app instead. We’re moving from this TymeBank app to our new GoTyme Bank app, where all new accounts are now opened. Go download the GoTyme Bank app to get started! An existing customer? If you’re already a TymeBank customer, you can continue using the TymeBank app for now. For a more elevated banking experience, switch to the GoTyme Bank app and enjoy the latest features, improved security and new benefits. Go download the GoTyme Bank app for better banking! Why move to the GoTyme Bank app? • Earn up to 10% interest with GoalSave - The Best Savings Rate in SA. • Free instant payments (up to R5 000 per transaction) • A Free personalised GoTyme Bank Visa debit card for local & international spend plus zero fees on subscription transactions. • A faster, more secure banking experience No paperwork. No monthly fees. No stress. Just smart, simple, secure banking that helps you stay in control of your money - everywhere. Support you can trust Need help? Speak to a real human on 0860 999 119 for account-related support. There’s even more to discover in the new GoTyme Bank app (formerly TymeBank). Switch today. Go download the GoTyme Bank app now!

Screenshots

PayCentral3 screens
TymeBank4 screens

Verdict

The call

The clearest difference is iOS requirement: TymeBank at 13.0 against PayCentral's 15.1. On price, update cadence, ads and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly monthly. The most recent releases landed on November 7, 2026 and November 3, 2026 respectively.

Scorecard1 real difference · 9 level
PayCentral versus TymeBank: the parameters behind the verdict, then further details
ParameterPayCentralTymeBank
PriceFreeFree
Rating—3.4 (43 ratings) — better
Positive reviews—40.3% of reviews
Number of ratings—43 — better
Update frequencyMonthlyMonthly
AdsNoNo
In-app purchasesNoNo
Monetization—Free
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.113.0 — better
Further details — not scored
Size46 MB292 MB
Age rating4+17+
DeveloperPayCentral (Pty) LtdTyme Bank Ltd

In-app purchases

None

PayCentral

No in-app purchases

None

TymeBank

No in-app purchases

Questions

Is PayCentral free?
PayCentral is free to download, with no in-app purchases.
Is TymeBank free?
TymeBank is free to download, with no in-app purchases.
Do PayCentral or TymeBank have ads?
Neither PayCentral nor TymeBank shows ads.
Which is updated more often, PayCentral or TymeBank?
PayCentral ships an update monthly, and TymeBank monthly. Most recently, PayCentral was updated on November 7, 2026 and TymeBank on November 3, 2026.

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