Find a Branch

Tag: finance

Ten Ways Technology Helps You at Having a Healthy Lifestyle

Advances in communication technology have made it more difficult to leave your work in the office. After all, your boss can reach you at any time on your smart phone! Fortunately, technology also provides ways to help improve your work/life balance.

1. It allows you to spend more time at home.

Technology allows you to telecommute and work from home, which means that you can save time on commuting that you can spend with your loved ones. You also don’t need to wake up as early, which provides you with a little more sleeping time.

2 . It allows mothers to earn income while staying at home with their children.

I_am_a_Work_From_Home_Mum

Image source: http://wahm.co.nz/

Technology provides stay-at-home mothers with a wide range of income opportunities, such as selling products through social media or working on a freelance basis for their former employers. Thus, mothers can balance income-generating activities with their parenting duties.

3. It provides more opportunities for workplace development. 

Instead of spending time at the office training to learn new skills, you can study training modules on your tablet or listen to audio lessons. This not only allows you to learn at your own pace without the pressure to keep up with faster learners that you may experience during workshops with limited time frames, but also provides you with more personal time that you can spend with your family or doing leisure activities.

4. It allows you to be more flexible with your schedule.

how-flexible-should-your-work-schedule-be1

Image source: http://tkographix.com

Instead of being forced to work long hours at the office, you can take some work home with you. Of course, you also have to know how to unplug in order to maximize your personal time.

5. It helps you to stay fit.

Instead of having to go to the gym, there are apps that you can download on your smartphone that provide you with fitness programs that are easy to do and take only a short time to complete.

6. It makes it easier to stay connected with your loved ones.

While face-to-face interaction is still ideal, when this is not possible, texting and other forms of digital communication allow you to keep in touch even when you’re not physically together.

7. It allows you to learn while you’re commuting.

A commuter listens to Beats brand headphones while riding the subway in New York, May 29, 2014.

Image source: http://time.com

The US Census estimates that Americans spend an average of fifty minutes a day traveling to and from work. You can make good use of this time by listening to audio lessons that can help you upgrade your skills.

8. It helps make you more efficient.

If you have a million things to keep track of, apps and other productivity tools on your computer can remind you of deadlines as well as organizing your schedule so you can use your time more effectively.

9. It helps you avoid unnecessary meetings.

A lot of time during the workday may be wasted in face-to-face meetings with team members; you can avoid this by using collaborative tools that allow you to keep in touch with individual members so that you can stay on top of your projects without having to talk personally with them.

10. It helps you save time on chores.

Instead of going to the supermarket or grocery for routine trips, you can order what you need online and have it delivered straight to your home.

 

A lot of people believe that technology forces workers to struggle with maintaining their work-life balance. But technology can also provide workers with the flexibility to adjust their schedules without work having to intrude into their personal lives. It really depends on how you use technology and how you can ‘unplug’ yourself when you’re not working.

Seven Tips for Regaining Financial Control

These days, it is so easy to overspend, since credit cards are so readily available, and the convenience of online shopping encourages impulse buying. Thus, more and more people are living beyond their means and getting deeper into debt. Fortunately, with a little discipline, there are ways that you can get your finances under control.

1. Track your expenses.

In order for you to better understand where your money is going so you can control your spending, you should track your expenses. For at least the next week, or ideally a month, write down everything you’re spending. This inventory should include fixed expenses such as mortgage payments and rent, variable expenses such as food, entertainment and gas, and miscellaneous expenses like birthday gifts and car maintenance.

2. Create a budget.

Budgeting allows you to better control your spending by determining in advance how you will allocate your expenses. Depending on your requirements, you can make a detailed budget that covers all your expenses or a simpler one that includes only those problematic expense categories that you want to control.

3. Allocate your income using the envelope system.

This is a super-simple way to keep your spending under control. All you have to do is get a number of envelopes that you will label with a particular expense category, i.e. food, entertainment, and so on. When you get paid, draw all your money for the particular pay period from the ATM. Then put the amount that you intend to spend on a particular expense in the proper envelope. Once the money in the envelope is depleted, you can no longer spend on that particular expense until you can replenish it in the following pay period.

4. Create a debt payment plan. 

create a debt payment plan

Image source: http://appcrawlr.com

If you have balances on a number of credit cards, you should make a plan to pay them off. There are two ways you can do this: pay off the card with the highest interest rate first, then the one with the second highest and so on, or pay off the card with the lowest balance first, then the second lowest and so on, until you have paid off all your balances. When you eliminate a balance, use the money you would have spent for it towards paying off the other cards.

5. Look for ways you can reduce unnecessary expenses.

For example, instead of buying premium coffee at a coffee shop, brew your own coffee at home and take it with you in a travel mug. Brown bag your lunch instead of buying it from outside. Reduce the number of times you eat out in a month. Cancel subscriptions to products and services, such as magazines, that you are not really using.

6. Treat your savings as a bill. 

To ensure that you are prioritizing savings, you should treat it as if it were a fixed expense, like your rent or your mortgage payments. When you’re paying off these expenses, also make sure to deposit the amount of money you’re allocating for savings into your bank account.

7. Establish a spending limit.

One of the simplest ways you can control your spending is to set a maximum amount that you will spend for the month or the fortnight, and then only transfer that amount into your checking account from your savings account. This makes it easier for you to control spending since you’ll know exactly how much is available to you.

 

Finally, make sure that you stick with whatever method you choose. Of course, controlling your finances will not be easy, but with time, effort and patience, you can do it!

Nine Stress-Free Budgeting Tips for New Parents

Having a baby can be one of the most joyous events of your life. Unfortunately, it can also be one of the most expensive, since all the costs of raising a baby can really add up. However, there are many things that you can do to save on expenses and make paying for your baby more affordable.

1. Prioritize your spending. Many parents feel that they need to have everything they will need for baby ready by the time he or she gets home. But it would be better for your budget if you prioritized immediate needs and put aside less urgent expenses. For example, instead of buying a crib, the baby can sleep in a bassinet or cradle in your room, and you can postpone your purchase for a few months.

2. Choose gear that you can convert as your child grows. For example, you can buy a crib that can convert into a baby bed or a stroller that changes to accommodate your baby as he grows into a toddler. If you plan on having more children, you can also choose strollers that convert to accommodate two or more babies. You can also buy clothes that are one size larger since your baby will quickly grow into them.

Image source: www.which.co.uk

3. Buy baby products in gender-neutral colors. Instead of buying blue or pink items depending on the gender of your child, choose items that are green or yellow, for example. This will allow the gear to be passed on and used by future children.

Image source: www.fromfaye.com

4. Skip nursing-specific clothes. If you are breast-feeding your child, you don’t need to buy clothes that are specifically designed for nursing mothers. Instead, blouses that button in front and tank tops will do. Or you can simply cover up with a scarf when nursing your baby.

5. Buy items in bulk. This is a simple budgeting tip that new parents should adopt. For example, since you will be using a lot of diapers, there is no reason why you should not buy them in bulk quantities. In addition, you’ll be saving time and money since you won’t have to replenish these items as often.

6. Consider making your own baby food. Doing this can also be healthier for your baby. All you have to do is invest in a small food processor and you can be sure that your baby has a regular supply of fresh food made with fruits and vegetables.

Image source: www.popsugar.com

7. Share products with your baby. You don’t need to buy products that are marketed as being for babies, such as detergents and body washes. Many of these items that are made for adults are actually also suitable for infants, as long as you make sure that they are free of ingredients that could irritate your little one as well as being gentle.

Image source: http://abundance.coop

8. Look for online flash sales. Shopping online can help you save money and you can enjoy even bigger savings if you encounter online flash sales. In addition, you can also look for coupons for products that you commonly use that you can redeem online, or print out and take to a physical store.

9. Ask about tax deductions. In addition to the $4,000 deduction you can claim for each dependent child, there may be other tax exemptions that you can qualify for, such as the Child and Dependent Care Credit if you pay someone to take care of your child.

The best way to ensure that the costs of having a baby will not be ruinous to your finances is to prepare in advance. Before you give birth, estimate how much you will spend on baby costs so that you can plan in advance how you will deal with them.

Five Reasons Why You Should Value Work-Life Balance Over Cash Bonuses

An increasing number of workers are starting to recognize that success in their careers should not be measured by how much money they are earning, but how successfully they have achieved a work-life balance. According to the 2013 Defining Success survey conducted by global professional services company Accenture, the majority of respondents said that their top definition of career success is achieving work-life balance, ranking higher than money, autonomy and recognition. In fact, more than half of the respondents actually said that they refused a job simply because they were concerned with the negative impact it might have on their work-life balance.

Here are some reasons why achieving this balance is more important than a big paycheck.

 

 

1. Money does not buy happiness. Many people make a lot of sacrifices for a job that offers them a high salary. But is the sacrifice they are making worth the cost to their relationships and their personal life? In fact, as long as their basic needs are met and they feel part of a supportive community, many relatively poor people are actually happier than their more moneyed counterparts.

2. You live a healthier life. People in high-paying jobs usually have to work longer hours or have more responsibilities. This means that they have to spend more time at the office or doing work, at the expense of their personal life. Thus, while they are earning more, they are usually less fulfilled. There is also a big risk that they will burn out and end up not being as effective as they need to be in their work, which can affect their prospects for a promotion or for increased responsibilities.

3. You learn to appreciate what you have. People often dream of having a high-paying job because they think of all the things they can buy for their family if they have more money. But what would be the point of giving your loved ones all these possessions if you don’t have the time to spend with them? In fact, many children who grew up with parents who worked all the time at high paying jobs would later say that they would have preferred to have more time with them than to have a lot of expensive toys, clothes and other possessions.

4. It makes you work better. When you’re spending nearly all of your time at the office, with very little left for your personal life, there is a big risk that you will not have anything new you can bring to your work. If you have more time to pursue personal interests and learn new things, you can become more creative and bring a fresh perspective to your work. But if you are stuck in a rut, it is highly unlikely that you will come up with the new ideas that can keep you competitive in the workplace.

5. You will regret sacrificing your personal life for your work. At the end of your working life, when you’re finally forced to retire, you will not say to yourself, I wish I had spent more time at the office. Rather, you will regret that your personal ties with your friends and family are not as strong as they could be, because you were not able to spend time with them. Do you want to suffer from this regret?

While in today’s society it is important to have a good salary to meet all of our and our family’s needs, ultimately, money is not everything. To live a good life, it is essential to find that balance where we are fulfilled in our career and our personal lives.

7 Apps for Finance Management Newbies

To be financially stable is everyone’s goal, and the key to achieving financial stability is proper management. The earlier you start, the better. Following are 7 apps that can help you – especially if you are a finance management newbie – achieve financial success:

1.Wallet (Android, iOS, Web)

Wallet

image source: www.macworld.co.uk

Wallet is an expense-tracking app that’s available for both Android and iOS platforms. The app creates records that help you track your expenses, monitor your budget, and check on your financial status. What’s great is that this app can be synchronized with your other devices, and online accounts—really making it easy for you to manage your finances. It even handles your bills and debts—so you won’t forget paying for them!

2.Mint Budgeting (Android, iOS)

Mint Logo

image source: play.google.com

What’s great about the Mint Budgeting app is that you can have it connected to your own bank account and it will automatically help you create a budget that’s suited to your lifestyle. This way, you won’t be making unnecessary purchases, and you won’t fall into a pool of debt. You can also be sure that your account would be encrypted and secure.

3.Spendbook (iOS)

spendbook app

image source: appsygadgets.com

As the name suggests, this app is all about keeping track of your expenses. It’s so easy to navigate so you can easily add new expense items, and keep track of your income just to check if you have been spending beyond your means. You could also add your photo, together with a picture or receipt of the item that you have purchased. You can also label your expenses (i.e., subway ticket, cab fare, onion bagel, etc.) so you’ll have a better idea of where all of your money goes.

4.Pocketguard (Android, iOS, Web)

pocket guard app

image source: www.appannie.com

Pocketguard allows you to see your current account balance, and all your transactions—whether they’re withdrawals, or purchases that you have paid directly through your account. Thus, you have better control of your expenses—with just a touch of a finger!

5.Home Budget with Sync (Android, iOS)

home budget app

image source: www.anishu.com

If you’re a finance management newbie, chances are you’re still living with your family or with some friends from college, or even your fellow employees. Thus, you have to make sure that your home budget is in the right place—or else, all of you might fall into a big pool of debt. Home budget helps you sync income and expenses—together with those of your housemates—so you can find ways on how you can save up, and pinpoint what you should stop buying.

6.Wally (Android, iOS)

wally app

image source: wally.me

Sometimes, you have to get back to basics and just set a financial goal for yourself—and Wally would help you do that! With this app, you can make a list of your targeted spending budget, savings, and financial goal for the month, or even the entire year. You’ll also get to see your expenses—so you can check where you’re failing, and what you have to do to reach your financial goals.

7.Level Money (Android, iOS)

Level Money

image source: www.pastemagazine.com

And finally, you have Level Money. This app connects to your bank and credit card accounts, checks your balances, and tells you how much you can afford to spend on a daily basis—so you won’t go over your set budget.

Work hard—but don’t let what you’ve earned go to waste. With the help of these apps, you’ll surely be in a good place!

Money Budgeting Hacks for Students

Magastos ang buhay-estudyante, and it’s really true. But that does not mean that it should be your mindset. In fact, there are so many ways for you to save money while studying. Don’t believe me? Well, read on, and learn about the 10 financial hacks that can help students like you!

1. Buy or rent used textbooks from upperclassmen

PROD-3663_textbooks_hero

Image source : http://barnesandnoble.com

Being friendly is good because you can ask upperclassmen—or your kuyas and ates in school—to lend or let you buy their old textbooks. Bonus points if those textbooks have notes in them—you’ll surely be able to answer your teacher’s questions with ease!

2. Cut out your vices

134703-konec-koureni-653x367

Image source : http://www.tiscali.cz

Why smoke when you know it’s bad for your health—and bad for your wallet, as well? And, why drink at those fancy coffee or tea shops when you know you could make your own drinks, or just drink water instead?

3. Apply for scholarship

ScholarshipApplication-720x350Image source : http://nau.edu/

Eh pang-matalino lang yun might be what you have in mind, right? Well, everyone is smart in his own way—and surely, you are, too. Applying for scholarship is a good challenge for yourself—and a good way to save money you would otherwise pay for tuition, which will really make your parents—and you—happy. Besides, there are other kinds of scholarships. You could get an athletic scholarship or apply as a student assistant (SA) —the choice is yours!

4. Know your discounts

Supplement-Discounts

Image source : http://www.thebestproducts.info/

Use that student fare discount when riding a jeepney—just do not abuse it. Look for student discounts at your favorite restaurants or malls. Look for coupons online. Even Amazon provides great discounts for students—you just have to make use of them.

5. Live with others

3141996dbf8298a02cb1683d5daf6988_how-to-live-with-your-kids-and-grandchildren-580x326_featuredImageImage source : http://www.grandparents.com

If your house is near the school, you can opt not to stay in a dorm. However, if you feel like it would be better for you to stay in a dorm or a house near the school, make sure that you think of affordable ways of doing it. You can stay with trusted relatives or friends near school. Don’t stay alone in an apartment or condo unit—especially if you know you’ll have a hard time keeping up with the costs.

6. Bring your own baon—or eat at the canteen

Pink box packing

Image soure : http://blog.childrensdayton.org

You don’t have to eat at a fastfood restaurant each day. It’s also fun if you could bring your own food—and maybe even swap with friends! You could also opt to eat at the canteen—it’s old-school goodness, you see!

7. Don’t buy load unless you need it

A shot of an Asian student texting on the phone

Image source : http://www.educarelab.com/

If you know you’re not going to be texting anybody, and you are not expecting text messages, just forego the need to buy load each day. Better yet, you could buy one of those P300 cards and just text when you have to—it might last for a month!

8. Use school facilities

Library

Image source : http://chs.edu.mt

Schools have clinics—go there if you’re not feeling well. It’s part of your tuition. Some schools have good gyms, too—make use of them. Get your money’s worth.

9. Walk or ride a bike to school—if you can

ucsbbiking

Image source : http://gradpost.ucsb.edu

If school is just a few blocks away, wake up early, and then walk or ride a bike to school. Not only will you get to save money, you’d get to exercise, too!

10. Sell what you no longer need

Garage-Sale_minImage source : http://www.move.org

And, remember that being in school is not an excuse not to make profit. Sell some of those useful things that you no longer need—you get to help others out, and you gain profit, as well!

Keep these tips in mind and save money as you study!

Be on the Right Track: 7 Things You Need to Know about Personal Finance

have a saving for emergency

Handling money could be a tricky thing, so you have to make sure that you are aware of your personal finances. Otherwise, other people might take advantage of you.

There are 7 important things you need to know about Personal Finance—and you’ll find them all right here!

  1. Make sure that you earn more than you spend

earn more than you spend

Let’s put it this way: What do you think will happen if you spend more than what you earn? Easy—you won’t be able to balance your finances, and soon enough you will find yourself in a pool of debt—and that’s not really something you want to happen.

  1. Save early and it will turn into a habit

saving money early in piggy bank

As with most things in life, the earlier you start, the easier you adopt the habit. It’s the same with saving money

If you started saving money way back in grade school—even by just using a piggy bank—you’d apply the habit for most of your life. The money that you save could be used for emergency funds—which everyone really needs! You don’t have to save too much—just save a little each day and you’ll surely have enough money to get you through the rainy days!

  1. Be diverse

have a saving for emergency

This means that you shouldn’t put your money in one place alone. The thing about life is that you never really know what’s going to happen—and putting your money in a single place is a no-no because there’s also a tendency that you might lose them all at once.

Therefore, make sure that you put your money in at least two banks—and even in separate wallets, if you can!

  1. Protect yourself from phishing/scam artists

online scam

So many people end up being victimized by scam artists who ask for their credit card or bank account details online. You can protect yourself by making sure you change your PIN from time to time, and that you do not use the same passwords for all your email/online accounts. Always review bank statements, and don’t give credit card and extreme personal details to others unless absolutely necessary.

  1. Save up for the rainy days

saving money

The thing with people is that they are so scared of scenarios that put their lives in danger—but they really don’t do anything about it. Therefore, you have to make sure that you could get money somewhere when emergencies come up.

Invest in emergency insurance funds, disability insurance, health insurance, and even homeowners insurance if you can. What matters is you make sure that you won’t end up with nothing—especially during emergencies.

  1. Make use of automated savings

use bank to save money

Automated savings means that for each paycheck you receive, a part of it would automatically go to a savings account. This way, you won’t have a hard time putting the money on your own to the account—and you won’t be tempted to use it, too!

  1. Track your credit standing

trusted bank

This is all about how companies or lenders would trust you if ever you’d need help from them one day. This would also show you how you’ve been spending, and how much credit you can have. To check, you can try talking to your bank as they may have available data.

Be knowledgeable about personal finance and you’ll have a hassle-free, financially stable life!

Image Source:
http://www.iqsintl.com/index.php/franchise-opportunities/earning-potential/
http://theodysseyonline.com/memphis/saving-money-for-college-students/223569
http://www.survivinggrays.com/make-extra-money-as-a-medical-student-resident/
https://vulcanpost.com/75041/scam-striping-naked-for-sad-and-lonely-beauty/
http://www.livingrichcheaply.com/2014/05/14/how-much-is-in-your-wallet/
http://www.coffeusa.org/when-banks-cost-you-money/
http://en.yelp.com.ph/biz/cebuana-lhuillier-para%C3%B1aque

How to Save Money if You’re a First Time Employee

Congratulations, you are now earning your own money! BUT, before you rush to spend it on all your heart’s desires, think about where you want your hard-earned money to go.

There are far too many sad stories of Pinoys giving in to their impulses that they end up with nothing after all their hard work. While it is okay to treat yourself every now and then (it is your own money, after all), it is always best to save some of it. Here are the steps that will help you start building your wealth, even as a first time employee:

Step 1: Determine the exact amount that you are earning

determine your earning

image source: drupal.in-cdn.net

For instance, a 10,000 to 15,000-peso monthly compensation might look amazing, but in truth, there will be several deductions, including taxes, Pag-Ibig, SSS, and Philhealth. Your net income is what is left for your saving and spending power.

Step 2: Decide how to divide your money and where you want each allocation to go

monthly budget

image source: filentrep.com

Even after the deductions, you might still think your net income looks substantial enough to let you afford a postpaid cellphone plan, but the truth is that there are more expenses to worry about.

First, calculate your basic monthly living expenses (rent, utility bills, transportation costs, food expenses) and deduct that from your net income. The remaining amount is your residual income and it is what you have left for savings and for your wants. The amount of each category depends on you.

Step 3: Pay off all of your debts first

If you have any debts, such as student loans, credit card bills, or money you owe to people from whom you borrowed when you were still unemployed, you need to pay them off ASAP, especially when there is interest involved. Aim to channel 80 percent of your residual income on paying off debts.

Step 4: Build an emergency fund

emergency fund

image source: millionaireacts.com

Once your money is out of the red (meaning “wala nang utang”), you can start building an emergency fund in a bank account. An emergency fund is the money you will use only when you lose your job or when you need to pay for medical expenses not covered by your company’s insurance.
It is recommended that you do not use a savings account with ATM access because the temptation to withdraw will be too strong. Look for small-time but reliable savings banks that offer passbook accounts with a lower maintaining balance, such as City Savings Bank or BPI family Bank.

Step 5: Consider life insurance

Life insurance is essential for those who have dependents, because if something happens to you, the company will provide a premium amount to support your family. Make sure to find an insurance agent from a company you can trust. Take note that life insurance is not a savings account for your retirement.

Step 6: Open an investment fund

mutual fund

image source: media2.intoday.in

Savings accounts in banks will not let your money grow substantially; in fact, you may end up losing money because the interest you gain is not enough to catch up with inflation. As soon as you have reached your emergency fund goal, you should start putting money into an investment vehicle. Have your risk tolerance assessed by an insurance agent and then research on the fund that he or she will recommend to you.

Follow these tips and you will not be sorry when the time of your retirement comes, or when an emergency strikes. Good luck!

CORPORATE AGENT PARTNERS

  • ACTION.ABLE, INC.
  • ALL ACCESS GATEWAY INC.
  • ANTRECCO (AGUSAN DEL NORTE TEACHERS, RETIREES, EMPLOYEES & COMMUNITY COOPERATIVE)
  • ACM VIP
  • ALL CASH
  • AGRILIFE/ AGRIVET
  • ASENSO PINOY STORE, INC. (EASY DAY SHOP)
  • AVICOM ENTERPRISES
  • AYALA ALABANG VILLAGE ASSOCIATION
  • BAUG CARP MULTI PURPOSE COOPERATIVE
  • BAGUIO BENGUET COOP
  • CARD BANK INC
  • CARD MRI RIZAL BANK INC
  • CARD SME BANK
  • CARITAS BANCO NG MASA, INC.
  • CEBU PEOPLE’S MULTIPURPOSE COOPERATIVE
  • CIS BAYAD CENTER, INC
  • COOPERATIVE BANK OF BOHOL, INC
  • COUNTRY BUILDERS BANK
  • CREDENCE FINANCING, INC.
  • CURAMED PHARMACY
  • DALTON PAWNSHOP AND JEWELRY INC.
  • DANIELA PAWNSHOP
  • DIRECT AGENT 5 (DA 5)
  • DEVELOPMENT BANK OF THE PHILS.
  • EXPRESSPAY INC.
  • EVRIJEM FOREIGN EXCHANGE AND MONEY REMITTANCE
  • FILHAI MULTI PURPOSE COOPERATIVE
  • GLOBAL PINOY REMITTANCE AND SERVICES (GPRS)
  • GEMARY PAWNSHOP AND JEWELRY (CORP.)
FIND A CORPORATE AGENT PARTNER

OVER 600 BILLER PARTNERS NATIONWIDE

  • 123 FINANCE CORPORATION
  • 123 LENDING CORPORATION
  • 2C2P
  • 8AMC (VIA ECPAY)
  • ABEJO WATERS CORP.
  • ABRA
  • ACOM CONSUMER FINANCE CORPORATION
  • ACTIVE REALTY & DEVELOPMENT CORP.
  • ADA MANUFACTURING CORPORATION (VIA ECPAY)
  • AEON CREDIT SERVICE
  • AETERNITAS CHAPELS AND COLUMBARIUM (VIA ECPAY)
  • AFC SME FINANCE INC
  • AFTERWEST MICROLOANS INC
  • AGODA – DRAGONPAY
  • AGRIBANK
  • AGRO-INDUSTRIAL FOUNDATION COLLEGE OF THE PHILS.
  • AGUSAN DEL NORTE ELECTRIC COOPERATIVE, INC.
  • AIR YOU GO TRAVELS PHILIPPINES CO.
  • AKLAN ELECTRIC COOPERATIVE, INC.
  • ALAMINOS CITY WATER DISTRICT (VIA ECPAY)
  • ALLIANZ PNB LIFE INSURANCE INC.
  • ALPHA FUND SAVINGS & CREDIT COOPERATIVE (VIA ECPAY)
  • AMADEO WATER DISTRICT (VIA ECPAY)
  • AMYA POLYTECHNIC COLLEGE, INC. AND FINANCING CORPORATION (LENDPINOY)
  • ANGAT WATER DISTRICT (VIA ECPAY)
  • ANGELES ELECTRIC COMPANY ANGELICUM SCHOOL , INC. ILOILO CITY (VIA ECPAY)
  • ANJELMAN REAL ESTATE LEASING
  • ANTIQUE ELECTRIC COOP, INC ANTRECCO (BILLS PAYMENT)
FIND A BILLER

OVER 600 BILLER PARTNERS NATIONWIDE

  • 123 FINANCE CORPORATION
  • 123 LENDING CORPORATION
  • 2C2P
  • 8AMC (VIA ECPAY)
  • ABEJO WATERS CORP.
  • ABRA
  • ACOM CONSUMER FINANCE CORPORATION
  • ACTIVE REALTY & DEVELOPMENT CORP.
  • ADA MANUFACTURING CORPORATION (VIA ECPAY)
  • CREDIT SERVICE
  • AETERNITAS CHAPELS AND COLUMBARIUM (via ECPAY)
  • AFC SME FINANCE INC
  • AFTERWEST MICROLOANS INC
  • AGODA – DRAGONPAY
  • AGRIBANK
  • AGRO-INDUSTRIAL FOUNDATION COLLEGE OF THE PHILS.
  • AGUSAN DEL NORTE ELECTRIC COOPERATIVE, INC.
  • AIR YOU GO TRAVELS PHILIPPINES CO.
  • AKLAN ELECTRIC COOPERATIVE, INC.
  • ALAMINOS CITY WATER DISTRICT (via ECPAY)
  • CREDENCE FINANCING, INC.
  • CURAMED PHARMACY
  • DALTON PAWNSHOP AND JEWELRY INC.
  • DANIELA PAWNSHOP
  • DIRECT AGENT 5 (DA 5)
  • DEVELOPMENT BANK OF THE PHILS.
  • EXPRESSPAY INC.
  • EVRIJEM FOREIGN EXCHANGE AND MONEY REMITTANCE
  • FILHAI MULTI PURPOSE COOPERATIVE
  • GLOBAL PINOY REMITTANCE AND SERVICES (GPRS)
  • GEMARY PAWNSHOP AND JEWELRY (CORP.)
FIND A BILLER

List of Accepted Government/ Valid IDs

  • Passport
  • Driver’s License
  • Professional Regulation Commission (PRC) ID
  • National Bureau of Investigation (NBI) Clearance
  • Police Clearance
  • Postal ID
  • Voter’s ID
  • Philippine Identification System (PhilSys) ID
  • Government Service Insurance System (GSIS) e-Card
  • Social Security System (SSS) ID
  • Senior Citizen’s ID
  • Overseas Workers Welfare Administration (OWWA) ID
  • OFW ID
  • Seaman’s Book
  • Alien Certification of Registration (ACR)
  • Barangay Certificate or ID (with picture and signature)
  • Birth Certificate (applicable to minors only)
  • Firearm License
  • Immigrant Certificate of Registration
  • Marriage License
  • National Council for the Welfare of Disabled Persons
  • New TIN ID
  • OWWA ID
  • Student ID
  • Alien Certification of Registration (ACR) / Immigrant Certificate of Registration
  • Government Office or Government Owned and Controlled Corporations (GOCC) ID (e.g. AFP ID, HDMF (Pag-ibig Fund) ID, etc.
  • Certification from the National Council for the Welfare of Disabled Persons (NCWDP)
  • Department of Social Welfare and Development (DSWD) Certification
  • Integrated Bar of the Philippines ID (IBP)
  • Company IDs issued by private entities or institutions registered with or supervised or regulated either by the BSP (Bangko Sentral ng Pilipinas), SEC (Securities and Exchange Commission) or IC (Insurance Commission)

IDs Accepted

As required by Bangko Sentral ng Pilipinas (BSP), clients who engage in a financial transaction with covered institutions for the first time shall be required to present the original and submit a clear copy of at least ONE (1) valid photo-bearing identification document issued by an official authority. For our clients’ convenience, Cebuana no longer requires submission of the photocopied ID. IDs are captured using a webcam in all branches. Clients are also required to submit an updated photo and other relevant information whenever the need for it arises.

Forms of identification accepted are the following;

Pawn Accepted IDs
1. Passport
2. Driver’s License
3. Professional Regulation Commission (PRC) ID
4. National Bureau of Investigation (NBI) Clearance
5. Police Clearance
6. Postal ID
7. Voter’s ID
8. Philippine Identification (PhilID) card
9. Social Security System (SSS) Card / Unified Multi-Purpose ID (UMID)
10. Barangay Certification
11. Government Service Insurance System (GSIS) e-Card
12. Senior Citizen Card
13. Overseas Workers Welfare Administration (OWWA) ID
14. OFW ID
15. Seaman’s Book
16. Alien Certification of Registration/Immigrant Certificate of Registration (for foreigners)
17. Government Office and GOCC ID, e.g., Armed Forces of the Philippines (AFP ID)
18. Home Development Mutual Fund (HDMF ID)
19. Certification from the National Council for the Welfare of Disabled Persons (NCWDP)
20. Department of Social Welfare and Development (DSWD) Certification
21. Integrated Bar of the Philippines (IBP) ID
22. Company IDs issued by private entities or institutions registered with or supervised or regulated either by the Bangko Sentral ng Pilipinas, Securities and Exchange Commission or Insurance Commission
23. ID issued by the National Council on Disability Affairs (NCDA)