Cash App vs TymeBank.
Cash App (C70/100) and TymeBank (T50/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Cash App leads TymeBank 9-0.
| C Cash App №31 · FDIC 70 /100 | T TymeBank №73 · SARB 50 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 70 /100 | 50 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | Interbank | 2.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Partner-bank FDIC | Payment inst. SARB |
| Deposit guarantee Per depositor | $250,000 US.FDIC | Safeguarded ZA.CODI |
| Reach | ||
| Markets served Licensed jurisdictions | 2 countries | 1 country |
| Crypto Coins available | 1 coins | No |
| Stocks & ETFs Self-directed | Yes | No |
| UX | ||
| Trustpilot Customer score | 1.6 ★ 50k reviews | — |
| App store iOS + Android avg | 4.8 ★ iOS 4.8 · And 4.7 | 4.3 ★ iOS 4.4 · And 4.3 |
| Read review → | Read review → | |
Pick Cash App if…
The largest US peer-to-peer payments + neobank hybrid by user count (~50M monthly actives). Block-owned, public via NYSE:XYZ. Bitcoin-native — was the first major US fintech to integrate BTC buy/sell. Partner-bank model via Sutton Bank means FDIC pass-through, not direct charter cover.
Pick TymeBank if…
First South African full-bank digital launch (2018). Tyme Group's flagship product — the same operator behind GoTyme (PH). Pick n Pay + Boxer in-store card kiosks differentiate vs. all-app competitors. SARB-regulated full bank, CODI ZAR 100,000 cover. ~9M ZA customers.
- Best for fees Cash App won 1 of 4
- Best for protection Cash App won 2 of 2
- Best for reach Cash App won 3 of 3
- Best for ux Cash App won 2 of 2
Cash App vs TymeBank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Cash App better than TymeBank?
Under our v3 methodology, Cash App leads TymeBank 9–0 across 12 dimensions. Composite scores: Cash App 70/100 vs TymeBank 50/100. Cash App is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Cash App or TymeBank cheaper?
Monthly fee — Cash App: €0; TymeBank: €0. Card FX markup — Cash App: Interbank; TymeBank: 2.00%. Cash App wins more fee rows (1 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Cash App or TymeBank?
Cash App holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. TymeBank holds a Payment inst. licence under SARB; deposit guarantee per depositor: Safeguarded. Cash App is the stronger pick on regulatory protection.
Where can I use Cash App and TymeBank?
Cash App operates in 2 countries; TymeBank operates in 1 country. Check each provider's signup page for the live country list — eligibility depends on residency, not just the licence footprint.
Want a 3- or 4-way comparison?
The dynamic compare picker handles up to four banks. Add this pair plus one or two more and we'll resolve every row.