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  • Hassle-Free Ways to Pay Bills and Recurring Expenses

    04 August 2020


    Hassle-Free Ways to Pay Bills and Recurring Expenses

    Bills are a huge part of adult life. From utility bills to credit card statements and insurance premiums, you can’t afford to miss your monthly payments, or else you may have to deal with penalties or piled-up debt later on.

    It’s also a challenge waiting in line at the bank or payment centers. Sometimes, you’re forced to miss your office lunch break just to pay your bills and other financial obligations. But, what if there’s a better way?

    Thanks to technology, you no longer need to experience the hassle of paying bills on-site since you can now do it online, using several different methods or channels—whichever is most convenient for you.

    5 Hassle-Free Ways to Pay Bills and Recurring Expenses
     

    1. Mobile banking apps

      These days, banks are making their services available to customers via mobile apps. You can draw from your funds to settle your bills, loans, and other payables using your bank’s mobile app as long as you have it installed on your phone.

      To date, there are approximately 600 merchants listed on the BPI Mobile Banking App, which means most billers will accept the payments that you make via the app. Once you enroll a biller to your account, you can immediately start making payments directly with the app.

      Don’t worry; your transactions will only go through if there’s a one-time PIN provided, which you can receive on the mobile number you used to sign up for mobile banking.

      You can download the BPI Mobile Banking app from the App Store (for iOS devices) or Google Play (for Android devices).

    2. Online banking services

      Sometimes, mobile banking apps are not available due to technical reasons or when it’s undergoing an upgrade. It’s also possible that you don’t want to install mobile banking apps on your phone for security.

      In such cases, the other way for you to access your bank account online is through your bank’s website. Typically, the web version has the same bills payment features and process as the mobile app, but the difference is you don’t need to download and install anything on your device.

      Pro tip
      : Drag this link to your browser’s bookmarks bar so that you can access BPI’s online banking services with just one click.

    3. Meralco Online/Meralco Mobile App

      The country’s biggest electric power distribution company has online payment facilities, too—Meralco Online and Meralco Mobile App.

      Meralco Online lets you pay your monthly bill using your registered account or a guest account, while the Meralco Mobile App is linked to your mobile number.

      Here’s everything else you need to know when paying your Meralco bill online:

      • Use the funds from your debit card, credit card, or prepaid card to pay off your bill.
      • You can make partial payments, advance payments, or overpayments as long as your account is updated with no outstanding balance.
      • Payments made between 7 AM and 11 PM are posted in real-time on Meralco’s system, while those made outside of these hours or during holidays are credited the following day.
      • Meralco charges a fixed convenience fee of P47 for every transaction, regardless of the amount due or the number of bills you plan to settle.

      For web users, you can access Meralco Online here. For mobile users, you can download the Meralco Mobile app from the App Store (for IOS devices) and Google Play (for Android devices).

    4. Mobile wallets

      Mobile wallets are another form of payment option in which a virtual wallet on your mobile stores your credit or debit card information.

      Your telecom service provider may have a dedicated mobile wallet app that you can use to pay bills for your utilities, cable subscription, online loans, and many other services as part of your monthly payables. You may or may not be charged with transaction fees, depending on your service provider or your biller.

      You can also send or transfer funds from your mobile wallet to those of your family or friends if you need to pay them for something.

      Topping up your virtual wallet isn’t also a problem as it can also be linked to your bank account. However, you also have the option to load it up at select establishments or local convenience stores. If you do freelance work, you can request your clients to send your salary or payout on your mobile wallet.

    5. Auto-debit from credit card

      Auto-debit arrangements on your credit card are another method that you can add to your bills payment options. This alternative is ideal for recurring expenses with fixed amounts since you may forget to pay them off every now and then.

      If you have a BPI credit card, you can choose this method so that you never have to miss any payment for your bancassurance plans. Every month, BPI will automatically deduct from your credit card the amount that you specify, so you can keep your insurance premium up-to-date and enjoy continuous coverage.

    The Best Payment Options Are Here

    Paying bills need not be a hassle that you dread month after month. There’s a wide variety of channels and tools that you can use to schedule and complete your bills payment in a more convenient manner for you, as well as your billers.

    Want more tips to manage your financial resources better? Check out our blog for more articles on personal finance and insurance.

    Did you know?

    You can buy a life insurance at any BPI branch nationwide! Talk to a bancassurance sales executive now!

    RECOMMENDED PRODUCTS

    Life Ready Plus

    Protection

    Get the power to protect yourself and your family with an affordable life insurance plan. Life Ready Plus is easy on the budget, but offers coverage of up to 30 times your yearly payment to support the financial needs of your loved ones.

    The plan gives you fast access to coverage and benefits and can match your long-term financial goals when maintained within an appropriate term.

    Philam Life Vitality

    Critical Care Max

    Health

    Critical Care Max will help you make more memories by providing financial aid during the early stages of a critical illness. This unit-linked life and health insurance plan offers assistance on your recovery. You can build a health fund that grows over time, depending on your chosen investment, to pay for other medical costs.

     

    In addition, it comes with a hospital confinement benefit that will replace lost income due to hospitalization. This daily cash benefit may also come with optional benefits like cash payout for surgery-related expenses, allowance for consultation fees, and many others.

    Philam Life Vitality

    Build Estate Plus

    Life Protection

    Let your loved ones enjoy the fruits of your labor even when you’re no longer around. Build Estate Plus is a unit-linked protection plan that will cover your estate taxes after your passing so that you can ease your family’s burden.

    It doubles as an investment savings fund that builds Account Value as you pay. It is also integrated with AIA Vitality that provides additional upfront coverage of 20% to your policy and add-ons.

    Philam Life Vitality

    CRITICAL CARE PLUS

    Health

    Be in good hands in times of sickness. Let Critical Care Plus, a unit-linked health and life insurance plan, take care of you with financial aid in case of a major illness, so you can focus on getting better and spending more time with your loved ones.

     

    It even gives you more benefits for having good health through the AIA Vitality program that adds 20% upfront coverage and supplemental benefits on your policy. 

     

     

    Philam Life Vitality
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