GoTyme Bank USSD Code 120*543# South Africa: Complete Guide (Formerly TymeBank) 2026

GoTyme Bank provides a USSD banking service that allows customers in South Africa to access selected banking services directly from their mobile phones. The service is particularly useful when mobile data is unavailable, an internet connection is unreliable or a customer does not have access to a smartphone.

The bank was previously known as TymeBank before adopting the GoTyme Bank name in February 2026. Although the branding has changed, existing customers can continue using their accounts. The USSD service also remains available through the established banking code.

This guide explains the GoTyme Bank USSD code, how to use it, the services available through the menu, and what customers should know when accessing their accounts.

What Is the GoTyme Bank USSD Code?

The GoTyme Bank USSD code is *120*543#. Customers can dial this code from the cellphone number linked to their bank account to open the USSD banking menu.

USSD banking works through a mobile network connection rather than mobile internet. This means customers do not need mobile data or Wi-Fi to access supported services. The bank confirms that customers can use the code to view their Current Account and GoalSave balances.

The bank also identifies USSD as a channel for selected transactions, including SendMoney. The available options depend on the services supported by the bank’s current menu.

Is GoTyme Bank the Same as TymeBank?

Yes. GoTyme Bank is the new name of the South African bank formerly known as TymeBank. The bank announced its transition to the GoTyme Bank brand on 4 February 2026.

The name change introduced a new brand identity and digital banking experience. It did not mean that existing customers had to open completely new accounts simply because the bank adopted a different name.

Customers who previously used TymeBank can continue their banking relationship under the GoTyme Bank name. Their existing account details and banking relationship remain relevant during the transition.

This is why some customers may still search for TymeBank USSD code, TymeBank cellphone banking or TymeBank balance enquiry. These searches refer to the banking service now provided under the GoTyme Bank name.

How to Use the GoTyme Bank USSD Code

Using the USSD service does not require you to install an application. You only need a working mobile phone, network coverage and the cellphone number registered with your GoTyme Bank account.

Make sure you are using the cellphone number connected to your account. If you dial the code from a different number, the service may not recognise your banking profile or allow you to access account-specific information.

How to Check Your GoTyme Bank Account Balance

One of the main reasons customers use the GoTyme Bank USSD service is to check their account balances without opening the mobile application.

To check your balance, dial *120*543# from the cellphone number registered to your account. Follow the menu instructions to access your balance information.

The service supports balance enquiries for:

• Current Account: View the available balance in your GoTyme Bank Current Account.
• GoalSave: Check the balance of your GoalSave savings.

This feature can be useful when you need to confirm how much money is available before making a purchase, sending money or planning a payment.

Can You Send Money Using GoTyme Bank USSD?

Yes. GoTyme Bank supports SendMoney through its USSD channel. This provides another way for customers to send money when they cannot access the banking application.

To use the service, dial *120*543# using the cellphone number linked to your account. Follow the on-screen instructions and select the SendMoney option when it is presented.

You may be asked to enter the recipient’s cellphone number and the amount you want to send. Carefully review the details before confirming the transaction.

Always check the recipient’s information before completing a transfer. A payment sent to the wrong person may be difficult to reverse, so do not rush through the confirmation screen.

Other Services Available Through USSD

The GoTyme Bank USSD channel supports more than balance enquiries. The bank’s banking channels include selected everyday services that customers can access through the menu.

Depending on the options currently available to your account, the USSD menu may provide access to services such as:

• SendMoney transactions.
• Current Account balance enquiries.
• GoalSave balance enquiries.
• Selected prepaid purchases.
• Electricity purchases.
• Other supported banking transactions displayed in the menu.

Not every service should be assumed to be available in every USSD session. Follow the options displayed on your phone, as the bank may update its menu or change how particular services are accessed.

Does GoTyme Bank USSD Work Without Internet?

Yes. The USSD service is designed to work without mobile data or a Wi-Fi connection. It communicates through your mobile network, so you do not need to browse the internet to open the banking menu.

This makes the service useful when your data bundle has expired, your internet connection is unavailable or you are using a basic mobile phone.

However, no internet requirement does not mean that the service works without network coverage. Your phone must still connect to a supported mobile network for the USSD session to proceed.

Can You Use the Code on Any Phone?

GoTyme Bank’s USSD balance service is not limited to smartphones. Customers can use a compatible basic phone or smartphone to dial the banking code.

You do not need to download the GoTyme Bank application just to open the USSD menu. The important requirements are access to a mobile network and use of the cellphone number associated with your bank account.

What Is the Difference Between USSD and the GoTyme Bank App?

Both channels allow customers to access banking services, but they work differently.

USSD banking uses a short dialling code and an interactive text menu. It is useful for selected transactions that do not require mobile internet.

The GoTyme Bank app provides a digital banking interface with a wider range of account-management features. It requires an internet connection to access its online services.

Customers can use USSD for supported tasks when they do not have internet access and use the application when they need features that are not available through the USSD menu.

Why Is the GoTyme Bank USSD Code Not Working?

Sometimes, dialling a USSD code may not open the banking menu. This does not automatically mean that your account has a problem. Several issues can interrupt a session.

1. You Are Using the Wrong Phone Number

GoTyme Bank’s account-specific USSD service is intended for use with the cellphone number linked to your banking profile. Check that you are using the correct SIM card.

2. Poor Network Coverage

USSD depends on your mobile network. If the signal is weak or the network is experiencing an interruption, the session may fail. Move to an area with better reception and try again.

3. Temporary Service Interruption

The banking channel or mobile network may occasionally be unavailable. Wait a little and try again rather than repeatedly submitting the same request.

4. Incorrect Banking PIN

If the menu requests your PIN and you enter an incorrect one, access may be declined. Follow the bank’s official instructions if you have forgotten your cellphone banking PIN.

Is GoTyme Bank USSD Free?

Customers should not assume that every USSD session is free. GoTyme Bank states that standard USSD rates apply to its balance enquiry service.

The actual charge may depend on the mobile network and its applicable USSD pricing. Check with your network provider if you want to know the current cost before using the service.

How to Keep Your GoTyme Bank Account Secure

USSD banking gives you convenient access to account information, but you should still take precautions when using it.

• Keep your cellphone banking PIN private.
• Never disclose your PIN or one-time password to another person.
• Only dial the official GoTyme Bank USSD code.
• Check recipient details before confirming a SendMoney transaction.
• Do not allow another person to operate your banking session without your supervision.
• Contact the bank promptly if you notice suspicious activity on your account.

GoTyme Bank provides banking services through several channels, but customers should always protect their login information and avoid responding to suspicious requests for confidential details.

Frequently Asked Questions

What is the GoTyme Bank USSD code in South Africa?

The GoTyme Bank USSD code is *120*543#. Dial it from the cellphone number linked to your bank account.

What was GoTyme Bank previously called?

GoTyme Bank was previously known as TymeBank. The bank announced its new name in February 2026.

Can I check my GoTyme Bank balance without data?

Yes. Dial *120*543# from your registered cellphone number and follow the menu instructions to view your Current Account or GoalSave balance.

Can I send money with *120*543#?

Yes. The USSD channel supports SendMoney. Select the relevant option and follow the instructions displayed on your phone.

Do I need the GoTyme Bank app to use USSD?

No. You can access the USSD service without installing the mobile application.

Can I use the GoTyme Bank code outside South Africa?

The USSD service is intended for GoTyme Bank customers in South Africa. Access may be affected when you are outside the country or connected to a foreign mobile network.

Does the GoTyme Bank USSD code work on basic phones?

Yes. The service can be accessed from compatible basic phones as well as smartphones, provided the phone has mobile network coverage.

Final Thoughts

The GoTyme Bank USSD code, *120*543#, gives South African customers another way to access selected banking services without relying on mobile data or Wi-Fi. It is particularly useful for checking Current Account and GoalSave balances and accessing supported SendMoney transactions.

Although the bank previously operated as TymeBank, customers can continue using the established USSD channel under the GoTyme Bank name. Save the code on your phone so you can access the service whenever you need it.