MyTime Wallet
Skip to content
Call 1-877-392-9942
User Guide (PDF)Legal
Language: ENEnglish
Enroll Now
Menu

Get paid, spend, and send. All in one wallet.

Earn 3% annual percentage yield (APY) on your wallet balance

Your free MyTime wallet comes with debit cards. Get a virtual card, a physical card, and up to 3 companion cards.

Enroll NowSee the fees
A woman holding a phone and a debit card.
The front of the MyTime Wallet debit card.
3% APY
Up to 3 companion cardsOver 60 countries
  • Questions? Call 1-877-392-9942
  • No set-up or monthly fees
  • Suspend your account with one click
  • All funds loaded to your MyTime debit cards are FDIC insured.

How it works

Start in 3 steps

  1. Create your wallet

    Sign up on our website with your name and mobile phone number. There are no set-up or monthly fees.

    If you use functionality where we need to verify your identity, then later we will ask you for your address, date of birth, government ID and a photo ID.

  2. Add money

    Have your payroll sent right to your debit card and get paid 2 days early. Also load cash through a network of over 100,000 retail locations, or load money from a bank account, credit card or debit card. You can even request funds from other users.

  3. Spend or send

    Pay with your debit cards in stores and online. Take out cash at ATMs. Send money to other MyTime wallets for FREE. You can also send money to over 80% of the world’s population in over 60 countries.

Send money to

  • PayPalVenmo
  • Global bank accounts
  • Gift cards
  • 450,000 retail locations
  • Any US debit card
  • Your MyTime debit cards
  • Global mobile wallet accounts
  • Other MyTime users

Your wallet earns3% APY

Keep money in your MyTime wallet and earn 3% annual percentage yield (APY).

Enroll Now

FDIC insurance at a glance

  • Your MyTime debit cardFDIC insuredAll funds loaded to your MyTime debit cards are FDIC insured.
  • Your wallet balanceNot FDIC insuredYour wallet balance is not FDIC insured.
  • Sub Accounts3% APYCreate custom sub accounts to manage your money. All balances on your sub accounts receive 3% APY.

  • No initial deposit or minimum balance needed to open your wallet

  • No set-up or monthly fees

  • Send and receive money between MyTime wallets for FREE

  • Get all your balances in one place on our mobile app, including your virtual and physical debit cards

How much are the MyTime Mobile Wallet Fees?

Transaction Cost
Load funds from any U.S. checking/savings account $1.00 per transaction
Transfer funds to any U.S. checking/savings account $1.00 per transaction
Load funds from a credit card (limit of $250 per individual load) 5% of transaction
Mobile Wallet to Mobile Wallet Transfers (Send & Receive) FREE
Transfer funds to Virtual, Physical, Companion Debit Card FREE
Request Funds / Micro Payments Merchant Processing FREE

Truth In Saving Disclosure

Initial Deposit and Balance There is no initial deposit or minimum balance required to open this Account.
Annual Percentage Yield ("APY") 3.00%
ATM Fees (domestic or international) MyTime Transaction Fee $1.50 and ATM provider may charge a separate fee.
Foreign Exchange Fee 3.00%
Debit Card Shipping $6.99
Additional Fee Disclosure You may be responsible for transaction fees for other services available within the Platform.
US & International Pin Transaction $.50
APY is correct as of today's date, but is subject to change at any time.

Debit cards

Your Visa® debit card, and cards for your family

Get a virtual card to shop online and a physical card for stores and ATMs.

  • Balance in real time

    Get your balance in real time on your virtual and physical debit cards.

  • Move money back

    Move money back to your wallet at any time.

The front of the MyTime Wallet debit card.

  • Virtual debit card

    For shopping online.

  • Physical debit card

    For stores and ATMs.

  • Your pay on your card

    Your pay can go right to your card.

Moving money from your wallet to your own debit cards is FREE.

All funds loaded to your MyTime debit cards are FDIC insured.

A woman holding up a MyTime Wallet debit card.Three MyTime Wallet debit cards fanned out.

Cards for your family

Add up to 3 companion cards for the people you care for.

They get their own card to buy things online, use at retail, or withdraw funds at ATMs.

  • Monitor their transaction activity and stay in control.
  • Suspend your account with one click.
  • You can also suspend your debit card(s) in real time.

Paid through work

Got MyTime through your job?

  • Your pay can go right to your MyTime debit card.
  • Get paid 2 days earlier and secure your money.
  • Once you receive your debit card, we help you fill out the direct deposit form, and we even email it or print it for your employer.
  • Loading money through your employer is FREE.
Enroll Now
Hands holding a phone with the MyTime Wallet app and a MyTime Wallet debit card.

2 days earlier

Are you an employer and want to use MyTime to freely pay your employees?

Call us at 1-877-392-9942 or email [email protected].

1-877-392-9942support@mytimeservices.com

Send money

Send money to family and friends

Send money globally in real time from your phone.

Transfer money to over 60 countries.

Where your money can go

In the U.S.

  • Other MyTime walletsSend and receiveFREE
  • A U.S. bank account$1.00per transaction
  • PayPal or Venmo$1.50
  • Any U.S. debit card$1.50

To other countries

  • Mobile wallets in other countries$2.00
  • Bank accounts in other countries$3.00
  • Cash pick-up in other countries$4.00

Sending money to another country costs $4.00 or less.

Before you send, the app shows the exchange rate, the fee and how much will arrive.

In the app, tap Move Money Globally.
  • Load money from a U.S. bank account for $1.00 per transaction.
  • Ask someone to pay you with Request Funds. It is FREE.
See all fees

Inside the app

Take a tour of the MyTime app

Tap each part of the screen to see what it does.

The MyTime Wallet app Dashboard on a phone: available and pending balance, LIVE CHAT, balance tiles for the virtual and physical debit cards, gift cards and precious metals, My Sub Accounts, buttons to move money globally, load money, send money, see pending purchases, request funds, see scheduled transactions, linked accounts and your QR code, and the bottom navigation.

  1. Your Dashboard

    Your Available Balance is the first thing you see. Tap LIVE CHAT and talk to a REAL customer service rep for help.

  2. All your balances in one place

    View your primary wallet balance, virtual debit card balance, physical debit card balance, gift card balances, and investment balances all in one place.

  3. My Sub Accounts

    Organize and manage your money your way. See the total of your sub accounts. Tap More to add one.

  4. Load Money

    Tap Load Money to add money to your wallet. Link an account in Linked Accounts to load from it.

  5. Send Money and Request Funds

    Send money to the people you care for. Use Request Funds to ask for money. Sending to another MyTime wallet is FREE, and so is Request Funds.

  6. Move Money Globally

    Send money to family and friends in over 60 countries.

  7. Pending Purchases and Scheduled Transactions

    Check your Pending Purchases. Use Scheduled Transactions to set up payments for later.

  8. My QR Code

    You have your own QR code. Use it to send and request funds.

  9. Bottom Navigation

    Manage your account settings, mobile wallet, debit card, portfolio (buy and sell stocks, gold and silver), make marketplace purchases, and manage MyTime Wireless.

Get the app

Use MyTime on your Apple device or Android device.

  • Download on the App Store
  • Get it on Google Play
Enroll Now

More in the app

More ways to use MyTime

  • Three people talking on their phones.

    MyTime Wireless

    Phone service in the United States. Bring your own device. Plans start at $15.00 per month.

    MyTime Wireless plans

    Unlimited Talk & Text
    • 2 GB$15per month
    • 5 GB$25per month
    • 15 GB$40per month
    • 40 GB$55per month

  • Virtual gift cards

    Create up to 5 virtual gift cards for yourself, or send gift cards to others, and load them right from your mobile wallet. Creating a MyTime gift card is a third of the cost of buying one from a store.

  • Illustration: a phone showing a stocks, gold and silver watchlist with Buy and Sell buttons, beside gold and silver bars.
    Illustration. Prices shown are examples, not live quotes.

    Stocks, gold and silver

    • Buy and sell stocks

      Buy and sell stocks in your wallet.

    • Buy and sell gold and silver

      Buy, move and sell gold and silver from your wallet.

    Like all investments, there’s potential for gains and losses so take charge and decide your pace.

    INVESTMENT AND MARKETPLACE PRODUCTS ARE NOT BANK DEPOSITS, ARE NOT FDIC-INSURED, MAY LOSE VALUE, AND ARE NOT GUARANTEED BY MYTIME OR ANY FINANCIAL INSTITUTION, UNLESS A PRODUCT-SPECIFIC DISCLOSURE EXPRESSLY AND LAWFULLY STATES OTHERWISE.

  • Marketplace

    Make everyday purchases in one online marketplace. No credit card or personal information is used to buy.

    The word TRAVEL made from photos of famous landmarks.
    A row of home appliances.
  • Two women smiling at their phones, sending each other messages.

    Invite friends and family

    Invite friends and family to join MyTime by text or email.

Safety

Safe and private

The MyTime Wallet app Dashboard on a phone, unlocked after a fingerprint scan.

  • Only you get in

    Confirm your identity with a PIN, fingerprint or iris/face scan.

  • Your PIN and question

    Make a 4-digit PIN. Add your own security question, so we know it is you when you call.

  • Encrypted

    The app uses end-to-end encryption.

  • Stop it fast

    Suspend your account with one click.

Your privacy

Our privacy policy says:

For nonpublic personal financial information, MyTime does not share information with affiliates for their everyday business purposes or marketing, and does not share with nonaffiliates for their own marketing, except as permitted by law or with your direction or consent.

Read our legal documents

Help

Talk to a person

Call, email or chat with us.

A smiling man holding a MyTime debit card.

Our support team is here 24 hours a day, 7 days a week, 365 days a year.

Call us1-877-392-9942

You can also send a help ticket in the app.

  • Lost your phone or card? Call us right away at 1-877-392-9942.

  • Never put a password, PIN, account number or one-time code in an email.

  • Never share your password, PIN or one-time code, and never let anyone control your phone. If you think someone used your account, call us right away.

Questions

Questions people ask

Questions? Call1-877-392-9942Chat with us
Is MyTime a bank?

No. MyTime is a financial technology company, not a bank.

What does it cost?

There are no set-up or monthly fees.

Some ways to move money have a fee. For example, loading from a U.S. bank account costs $1.00 per transaction.

See the fees
Is my money insured?
  • Your MyTime debit cardFDIC insuredAll funds loaded to your MyTime debit cards are FDIC insured.
  • Your wallet balanceNot FDIC insuredYour wallet balance is not FDIC insured.
Read the note at the foot of this page
Do I need a bank account?

No. You can add money from your pay, from a debit or credit card, or with cash at stores and ATMs that take part.

What ID do I need?

When you open an account, we ask for your name, address, date of birth and other details.

We may also ask to see your driver’s license or other ID.

You may also be asked for a taxpayer or government ID number, or a selfie.

Can I buy and sell stocks?

Yes. You can buy and sell stocks in your wallet.

Like all investments, there’s potential for gains and losses so take charge and decide your pace.

INVESTMENT AND MARKETPLACE PRODUCTS ARE NOT BANK DEPOSITS, ARE NOT FDIC-INSURED, MAY LOSE VALUE, AND ARE NOT GUARANTEED BY MYTIME OR ANY FINANCIAL INSTITUTION, UNLESS A PRODUCT-SPECIFIC DISCLOSURE EXPRESSLY AND LAWFULLY STATES OTHERWISE.

What can I do in the app?

See your balance and sort money into sub accounts.

Load, send and request funds, move money globally, and pay bills and invoices.

You can also shop in the Marketplace.

Take the app tour

Ready when you are

Create your free MyTime wallet. There are no set-up or monthly fees.

Enroll NowQuestions? Call 1-877-392-9942