Top Up is our super simple and easy Mobile Phone credit top-up. From your Spend Account, you can top up your own phone or your friend’s phones in a few quick taps.

Need to pay your utility bills? With Bill Pay, you can pay bills like your mobile phone, internet, water, cable TV and electricity. Bill Pay can be found when you touch (+) on the Home Screen. The process is as simple as moving money to a friend!

Move Money is a traditional bank transfer. Moving money with Timo is a simple touch (+) on the Home Screen. You can choose from 3 types of Payment destinations, enter the recipients details, Move money and Save the Payee for future transfers.