Sorry to see them go. Even though their services stopped, they were very patient and understanding with me as I slowly paid off my balance. Customer service was great too, good communication and plea... See more
Company replied
While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more
To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more
See what reviewers are saying
my account was closed last year and fully paid up. now im getting messages to say my May bill is late for 49PENCE. Firstly i dont have an account and secondly my account has been closed since last ye... See more
Company replied
Great concept and very useful card. Devastated however to receive news this morning that the 3 month interest free facility is to end in July. This was the real icing on the cake. Only redeeming featu... See more
Company replied
I'm presently not using my Tymit card,just simply running down the amount still owed. I'm still debating on what benefits the card will now have without the 3 months interest free deferred payment pla... See more
Company replied
Company details
Written by the company
We’ve changed the credit card to make it completely transparent, fair and exciting to use, with cutting edge fraud protection
Contact info
Merchant Square 5, W2 1DP, London, United Kingdom
- hello@tymit.com
- tymit.com
3.5
Average
3K reviews
Replied to 100% of negative reviews
Typically replies within 1 week
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
No communication from Tymit
My card has been hacked and someone is using it as I can see transactions on my account which I did not do. I immediately messaged Tymit via the app and no one got back to me. It has been over a week now. Again I can see other transactions on my account again and I have messaged Tymit again via the app. I have also emailed the support email address too. I also left a message and Had no call back or email. Someone needs to sort all this out . I have locked my card but this is causing me issues as I need the card to make purchases . Please can someone reply to me asap and resolve my query.
Someone from the team emailed me on 13/5/23 and I provided the additional information. I have not heard anything since that day. Please can someone look into this as soon as possible
I’m changing my experience raising to 4 as my query has been resolve on 18/05/2023
May 12, 2023
Unprompted review
Reply from Tymit
Hi, thank you for taking the time to leave us a review.
We do apologise for the delay in getting back to you, things are extremely busy on our end, and we are working as hard as we can to respond to any queries as soon as possible.
We would like to get this looked into and resolved for you; we have requested further information to help us find your query in our system.
Thanks, Team Tymit.
Appalling level of communication and customer service. Just look at all the 1 star reviews! AVOID!!!!!!
Over 2 weeks ago on 23rd of April I reported two fraudulent unauthorized payments on my Tymit card, in every way available to me (email, messages on the transactions within the app and leaving a voicemail on the number provided on the back of the card).
It took Tymit over 48 hours(!) to get back to me and block my card, by which time my card had been nearly maxed out with over £700 of fraudulent unauthorized transactions.
It then took another 48 hours to be transferred to the disputes department, who sent me one email, to which I responded straight away, and who have now told me nothing since the 27th April, despite me sending them numerous further emails.
This whole process has been so UNBELIEVABLY SLOW and upsetting. My bill is now due today with hundreds of pounds of fraudulent transactions on it and I still cannot get a reply out of Tymit with regards to what I am supposed to do with my bill and where I stand with my claim.
This level of communication and customer service for a modern financial firm is appalling. AVOID!!!
And they now eventually reply, on the 11th May after 14 days!!! refusing to refund ANY of the stolen money because I provided scammers who were claiming to be Tymit (and who I completely believed to be Tymit given I'd had absolutely no other response from you!) with an SMS code which included ‘’We will never ask you to share this code.’’
Those scammers rang me 24 hours after I had informed Tymit of the first fraudulent transactions. It then took Tymit ANOTHER 24 hours to reply to me (on a Tuesday at 12:20, when your office hours are MONDAY to Friday 9am-6pm!) and cancel the card, then telling me not to answer any calls claiming to be from them.
If it hadn't taken Tymit over 48 hours to block the card and reply to me after my telling you there were fraudulent transactions on the account, then the stolen amount would have been under £45 as opposed to over £740!!!.
And I have been a good, reliable, loyal customer of yours' for years! I'll never use your services again, I'll be warning everyone I can about how appalling Tymit have been in every possible way and I'll be contacting the financial ombudsman. Thank-you for absolutely nothing. I cannot reiterate strongly enough, AVOID!!!!!!!!!
May 10, 2023
Unprompted review
Reply from Tymit
Hi Gabriel,
Thank you so much for taking the time to leave us feedback. We’re really sorry to hear that you’ve recently experienced fraud on your account.
We endeavour to respond as soon as possible but please be aware our normal hours of service are Monday to Friday 9AM - 6PM. There may be a delayed response should you make contact with us outside of these hours.
It’s worth noting, that our customers have the ability to lock their card in-app at any time. Providing 24/7 control and peace of mind should any concerns arise around the security of your account or unrecognised transactions.
We also employ significant measures to protect our customers from fraudulent transactions such as One-Time Passcodes, Biometric Security and Strong Customer Authentication in line with Payment Service Directives.
We understand that our Disputes and Complaints Teams are in contact with you to investigate your case further.
Please keep an eye out for further updates directly.
Thanks, Team Tymit.
Way better than my current bank, Barclays.
Easy to deal with. My bank, Barclays, have been useless in issuing me a credit card with a useful credit limit despite me being well funded. Tymit was totally the opposite. Recommended!!
May 5, 2023
Reply from Tymit
Hi Paul,
Thank you so much for your kind words and taking the time to leave us a review.
We hope that you enjoy using your Tymit account and if you have any questions, please don't hesitate to reach out to our support team at support@tymit.com.
Thanks, Team Tymit.
Disappointing Customer Service Experience with Tymit
I recently had an issue with Tymit that left me feeling very disappointed. Their system showed the wrong balance (I get it, it can happen)
, which resulted in me overpaying and receiving a credit on my account that needed to be refunded. Although I contacted Tymit on Tuesday, I have not received a response, despite their claim to typically reply within 24 hours. Waiting for several days for a response from a financial company is unacceptable, and it has made me reconsider my trust in Tymit. I hope they improve their customer service and communication to prevent similar situations from happening in the future.
May 2, 2023
Unprompted review
Reply from Tymit
Hi Andrew, thank you for your review and we do apologise for your recent experience with us.
We do endeavour to respond to any queries as soon as possible and we are sorry that we were unable to get back to you as soon as we had hoped.
Though communications regarding the technical issue were sent as soon as we were made aware of the incident, we fully appreciate the concern it may have initially caused.
We can certainly return any double or excess of payments back and we are working as hard as possible to ensure we respond to any queries as soon as possible.
Thanks Andrew. Team Tymit.
Use extreme caution
Use extreme caution , no telephone support , other than lost or stolen. When you contact via email , the response is waiting time is 5 days .
I completed a balance tfr from NatWest to pay a bill 11 days later it’s still not showing . ( Natwest confirmed the money was sent safely)
If you pay off your account early, there is also no refund of interest.
Plenty of other companies now doing by now pay later scheme Exactly the same as this company, for example, virgin slice, who, at least at a company you have heard of, and answer the phone if there was a query!
May 3, 2023
Unprompted review
Reply from Tymit
Hi Raj, thank you for your review.
Unfortunately, we do not currently facilitate balance transfers in the traditional sense, though this is something that we are looking to develop in the future.
However, what we are able to facilitate is a bank transfer if you wish to pay your Tymit balance via another credit card.
You will need to check with your banking provider that they accept this and they will also need to use your unique payment reference when making a transfer.
If they are able to facilitate this, please do reach out to us and we can certainly assist you with this from our end.
It is also important to note that paying your balance off early does stop any future interest being charged.
Once a payment is made to clear your total balance, any instalment plans will just need to be replanned down to in full, stopping any future interest being due.
We can certainly assist with this, please do just reach out to us at support@tymit.com.
Thanks, Team Tymit.
Absolutely disgusting service and…
Absolutely disgusting service and company, you have caused my loved one amongst others out there alot of stress and panick because they received a email to say they owe you alot of money and to pay within 7 days , after they have paid it all on time and early with all the proof . Yet pple can only email you then find out you have a technical error over the bank holiday! WHY DIDNT YOU JUST EMAIL EVERYONE OR SEND A MSG ON THE APP AND LETTERS OUT TO WARN PEOPLE OF THE TECHNICAL ISSUES AND NOT TO WORRY!!!!!!! BUNCH OF SCAMMERS!! NOT EVEN A CONTACT NUMBER TO SPEAK TO SOMEONE.
AVOID AVOID AVOID !
Edit :
You proactively communicated ?! Really?! Why are you lying for . If that was the case he would not of had a serious panick attack!!!!! You did not send any communication out . It was only when I advised him to email the company that he then found out !!
May 2, 2023
Unprompted review
Reply from Tymit
Hi there, thank you for taking the time to leave us a review.
So sorry to hear that someone close to you may have been effected by the recent technical issue we had experienced.
We discovered this issue on the bank holiday Monday and our team worked through the night on getting this resolved within 24 hours.
We had proactively communicated to our customers as soon as physically possible that this had happened, requesting to reach out if there were any concerns in the meantime.
We are delighted that this has since been fixed and balances should now be displaying correctly within the app.
Communications regarding the fix have been sent and we urge that if you are experiencing any further issues, to reach out to our support team.
We do apologise for any concern in the meantime.
Thanks, Team Tymit.
Scammed and no response from Tymit
Sent these guys an email saying my payment was scammed and, guess what, they couldn't be bothered to respond. Dreadful company and my advice is to avoid at all cost.
April 25, 2023
Unprompted review
Reply from Tymit
Hi Bob, thank you for taking the time to leave us a review.
We're sorry to hear that we have not been able to meet your expectations regarding our response times, and we're saddened to see you've been the victim of a scam.
We endeavour to respond to any queries as soon as possible, though there may be slight delays during busy periods.
Whilst we can certainly understand your frustration, we hope to be in touch to get this looked into as soon as possible.
In the meantime, if you have any concerns with the security of your card details, you're able to block your card immediately within your app by tapping on the card icon.
Thanks, Team Tymit.
Reply from Tymit
Hi Louise!
Thank you so much for your review and kind words.
We hope that you continue to enjoy your account and if you ever need anything from us in the future, please don’t hesitate to reach out to us at support@tymit.com.
Many thanks, Team Tymit.
A fantastic idea, with let down service.
A fantastic service, with a let-down experience.
With no explanation provided or advanced warning my account was closed, first time in my life I have ever had a creditor close 'based on a review'.
I've improved my credit rating, getting paid more by my employer and finding myself in a better credit position than I previously was, haven't missed a payment in years, used their instalment feature as they had suggested/intended.
When I enquired for more details, I was declined this and was given a generic copy/paste response regarding how to pay towards my account.
Such a let-down for what was otherwise a great experience.
April 16, 2023
Unprompted review
Reply from Tymit
Hey Iain, thank you so much for taking the time to leave us a review.
We're sorry to hear that a recent decision has affected your overall experience with us. We understand from your message, that you've already been in touch with our customer support team to discuss further.
Whilst we endeavour to provide as much information as possible when communicating such decisions, we're sorry that what we'd provided didn't meet your expectations.
If there is anything further we can help with at all, please don't hesitate to reach back out to us at support@tymit.com.
Wishing you all the best.
Team Tymit.
The customer service was alright and…
The customer service was alright and problem was solved ,money return back to my account same day and statements which I asked was sent to me.Quite happy with service. Would be nice maybe for the future have an option to download statements from the app.
April 12, 2023
Unprompted review
Reply from Tymit
Hi Nastia, thank you so much for taking the time to leave us a review.
Thanks for your feedback on statements available in-app. We hope to have some exciting new updates for you soon!
We're glad to hear that we were able to resolve your queries, but if there is anything else that we can help with at all, please don't hesitate to get back in touch!
Thanks, Team Tymit.
Impressed so far
Relatively quick to open an account, love that you can spread the cost over 3 months with no interest. So far very please.
March 22, 2023
Reply from Tymit
Hi Warren, thank you so much for your feedback!
We're so glad to hear that you are enjoying your Tymit account.
If you do need any assistance in the future, please don't hesitate to reach out to us at support@tymit.com.
Thanks, Team Tymit.
Appalling company run by a couple of…
Appalling company run by a couple of Schuster's, no customer service and outrageous APR, they may offer 3 monthly payments but I doubt many do that. Charline useless, if you message them they say they're going to get back to you, well that never happened either. My advice, stay well clear
April 3, 2023
Unprompted review
Reply from Tymit
Hi Wayne,
We endeavour to get back to support queries as quickly as possible and we are sorry that we were unable to meet your expectations on this occasion.
If you would like to raise your query as a complaint with us, please don't hesitate to let us know and we can certainly raise your query with our complaints department.
Thanks, Team Tymit.
I’ve had this credit card since they…
I’ve had this credit card since they started and never had any problems that weren’t sorted within a reasonable timescale, I love the fact I can make a purchase and spread it over 3 months with no interest. For this works!
March 29, 2023
Unprompted review
Reply from Tymit
Hi there Caroline, thank you so much for your wonderful feedback and kind words.
We are delighted to hear that you are enjoying your Tymit account.
If you ever need us in the future, please don't hesitate to reach out to us at support@tymit.com or through our in-app chat.
Thanks, Team Tymit.
I signed up to Tymit to build my credit…
I signed up to Tymit to build my credit as they had a secured credit card option for a monthly fee.
The main reason was to build credit and
I needed a credit card for my holiday (car hire, hotel etc) in November 2023.
Tymit ended booster without consultation with customer’s and I don’t understand why?. I have had my score damaged (account wasn’t very old) I have had no use out of the card (the reason I took it out)
I have put a complaint in #202934 where hopefully you can address this and maybe elaborate further why you booster members could’t have just reminded members! And if you planned to end it why damage scores taking on new applications
March 27, 2023
Unprompted review
Reply from Tymit
Hi James, thank you for your feedback and we are sorry to hear that you had to raise a complaint.
We hope that we have been able to resolve your complaint within your expectations.
Whilst we can certainly understand your disappointment at the discontinuation of Booster, communications regarding this decision were sent in December 2022 whilst simultaneously suspending new applications. Additional communications and reminders were also sent in January and February 2023.
Though we are sorry to hear that you feel you have not benefitted from the Booster product, we have reported your monthly bill payments to the credit facilities correctly. Furthering this, your Booster account will also be reported as settled.
Please do not hesitate to reach out to us if there is anything else that we can help with James or if you have any further questions.
Thanks, Team Tymit.
Useless shambolic amateurish company
Useless shambolic amateurish company. Avoid.
Their reply below is absolutely typical of them. They treat their customers like cr*p but pretend to be professional and business-like. They're not. Don't fall for it.
March 23, 2023
Unprompted review
Reply from Tymit
Hi John, thank you for taking the time to leave us feedback.
We are extremely sorry to hear that you have been unhappy with your experience with us and we'd like to take the time to understand a little bit more and answer any questions or queries that you may have.
If you have not done so already, please do reach out to us at support@tymit.com and we will gladly be on hand to answer any inquiries.
Thanks, Team Tymit.
Reply from Tymit
Hi Marcus, thank you so much for your feedback!
We're so glad to hear that you are enjoying Tymit.
If you do need help with anything or have any questions in the future, please don't hesitate to reach out to us via email at support@tymit.com.
Thanks, Team Tymit.
Useless stay away
Useless stay away. I’ve been waiting for weeks for my account to be closed. There are lots of good credit cards out there don’t go near Tymit as they are incompetent. Stay away
March 4, 2023
Unprompted review
Reply from Tymit
Hi Philip, thank you for your feedback.
We do apologise that your account closure may have taken longer than expected.
There can, on occasions, be a delay if we require further information before being able to proceed with your account closure.
As soon as any further detail requests have been fulfilled, we will then proceed with the account closure as soon as possible.
We can see that your account closure has been proceeded with as requested and there are no further actions required on your end.
If there is anything else that we can help with at all, please don't hesitate to reach out to us at support@tymit.com.
Thanks, Team Tymit.
Be very wary of this company
Be very wary of this company. They show zero to pay in the app so I do t pay them close my account as I havent paid and report me as in default totally destroying my credit score.
March 1, 2023
Unprompted review
Reply from Tymit
Hi there Dan, thank you for your feedback though we are truly sorry to hear that you feel this way.
We have reached out to gain further information from you, so that we can investigate this fully and better understand the situation.
Once we have these details we'll look to reach out to you to discuss your account further and welcome any questions you may have.
Alternatively, you can reach out to us at support@tymit.com with any concerns and we'll be on hand to help.
Thanks, Team Tymit.
Appalling. Avoid Tymit to avoid disappointment
Absolutely appalling company and card. Started well in July 2021. Got 2K limit. Happily used the card. Made lots of purchases but always paid within 3 months. Never had paid a single penny in interest. For some weird unknown reason they reduced limit to 1K this year. Then a couple of months further reduced further to £700 and only a week ago closed the account. Unbelievable. In the meantime I have no issues on Experian. Haven’t missed a single payment on any credit commitment for over three years. No idea what criteria they are using. I can only assume that they have funding issues and as per other reviews, have started curtailing limits and accounts since last year. Just look at the 1 star reviews since 2022. There are hardly any in 2021. Something is fishy with this company. Best to avoid and not fall for the gibberish spewed from their company media accounts. There are many more BNPL companies out there which are hundreds times better. Use them rather this drivel from Tymit. Just a huge disappointment and a complete let down. A big thumbs down from me. Avoid Tymit to avoid disappointment and let down.
February 28, 2023
Unprompted review
Reply from Tymit
Hi there Jag, we do appreciate your feedback and we apologise for any disappointment caused by this decision.
As a regulated credit provider and a responsible lender, it is vital for us to regularly review performance of accounts held with us and the information provided by Experian, which considers your broader credit commitments both within Tymit and outside Tymit.
Whilst we can certainly understand your frustration, please note that the decision was made based on not just your account with us, but your wider credit portfolio.
Though on this occasion the outcome is unfavourable, we do regularly review accounts and if circumstances and affordability have improved, we can offer limit increases if applicable.
If you have any further questions regarding your account, or if you do wish to raise a complaint with us regarding this decision, please don't hesitate to reach out to us at support@tymit.com.
Thanks, Team Tymit.
it's a wonderful company
February 18, 2023
Unprompted review
Reply from Tymit
Hello Cosa, thank you for your 5 star review.
We are truly happy to see that you are enjoying your Tymit experience and we really appreciate your great feedback.
Should you ever need anything from us, feel free to reach out in-app or via email at support@tymit.com, our team will be happy to help!
All our best,
Team Tymit
The Trustpilot Experience
Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.
Companies can ask for reviews via automatic invitations. Labeled Verified, they’re about genuine experiences.
Learn more about other kinds of reviews.
We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.
Learn about Trustpilot’s review process.
Here are 8 tips for writing great reviews.
Verification can help ensure real people are writing the reviews you read on Trustpilot.
Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.