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SeaBank vs GoTyme
Side-by-side comparison for 2026. Rates, features, and which one is better for you.
S
SeaBank
Min balance: ₱0
Interest rate
6%
per year
Best for
Shopee shoppers who want to earn interest on idle money
Features
- • 6% p.a. interest
- • No maintaining balance
- • Linked to Shopee
- • Free transfers
- • ShopeePay integration
G
GoTyme
Min balance: ₱0
Interest rate
5%
per year
Best for
People who prefer in-person signup and trust big-name backing
Features
- • 5% p.a. interest
- • Instant virtual debit card
- • Sign up at SM/Robinsons kiosks
- • Free transfers
- • Backed by Gokongwei + Tyme
FeatureSeaBankGoTyme
Interest rate6%5%
Min balance₱0₱0
SeaBank
+Same 6% rate as Maya
+No minimum balance or fees
+Direct Shopee integration
+Easy cash-in via ShopeePay
−Limited features beyond savings
−No virtual card
−Customer support can be slow
−Relatively new in PH market
GoTyme
+Can sign up in-person at mall kiosks
+Backed by major conglomerate
+Good for people uncomfortable with purely digital signup
+Instant virtual card
−Lower interest rate (5% vs 6%)
−Fewer features than Maya/Tonik
−Still building out ecosystem
−Limited loan products
The verdict
SeaBank offers a higher rate (6% vs 5%) and Shopee integration. GoTyme is newer with fewer features. SeaBank is the better choice for most savers unless you specifically want the in-person signup.