WeBank vs TymeBank.
WeBank (W76/100) 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. WeBank leads TymeBank 6-0.
| T TymeBank №73 · SARB 50 /100 | W WeBank №18 · CBI 76 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 50 /100 | 76 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 2.00% | 1.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Payment inst. SARB | Full bank CBI |
| Deposit guarantee Per depositor | Safeguarded ZA.CODI | €500,000 CN.PBoC-DIS |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | Yes |
| UX | ||
| Trustpilot Customer score | — | — |
| App store iOS + Android avg | 4.3 ★ iOS 4.4 · And 4.3 | 4.5 ★ iOS 4.6 · And 4.5 |
| Read review → | Read review → | |
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.
Pick WeBank if…
World's largest digital bank by user count (~400M Chinese customers). First CBIRC-licensed internet-only bank in China (2014). Tencent majority shareholder; deeply integrated with WeChat. China DIS cover.
- Best for fees WeBank won 1 of 4
- Best for protection WeBank won 2 of 2
- Best for reach WeBank won 1 of 3
- Best for ux WeBank won 1 of 2
WeBank vs TymeBank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is TymeBank better than WeBank?
Under our v3 methodology, WeBank leads TymeBank 6–0 across 12 dimensions. Composite scores: TymeBank 50/100 vs WeBank 76/100. WeBank is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is TymeBank or WeBank cheaper?
Monthly fee — TymeBank: €0; WeBank: €0. Card FX markup — TymeBank: 2.00%; WeBank: 1.00%. WeBank 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, TymeBank or WeBank?
TymeBank holds a Payment inst. licence under SARB; deposit guarantee per depositor: Safeguarded. WeBank holds a Full bank licence under CBI; deposit guarantee per depositor: €500,000. WeBank is the stronger pick on regulatory protection.
Where can I use TymeBank and WeBank?
TymeBank operates in 1 country; WeBank 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.