From a bill on the side to paid.
Bill Pal links people who are short on a bill with people happy to chip in. Here's what happens on each side, and how the money moves.
Chipping in
Each card shows a first name, town, the supplier, what the bill is for, how much is left and when it's due. Filter by electricity, gas, water or broadband, and by place.
Pick £5, £10, £20 or clear what's left. You'll see exactly who gets paid and which reference it uses before you go any further.
Bill Pal hands you over to your own bank. You check the details and approve it there, the same way you'd approve any payment.
Your bank sends it by Faster Payment to the supplier's own account, against that bill's reference. The bill's total goes down, and the person gets a notification that someone helped.
Posting a bill
Take a photo of the bill in the app. It reads the supplier, amount, due date and reference for you, and you check them over.
Add a short note if you'd like, such as hours being cut at work. Only your first name, town and household size go on the card.
The team checks the bill against its photo and makes sure the supplier is on our list. You'll get a notification when it's live.
Every chip-in is paid straight to your supplier with your reference, so it shows up on your account. You can have one open bill at a time.
How payments work
Bill Pal never holds anyone's money. There's no wallet and no balance. Payments are made through Open Banking by a regulated payment provider, from the helper's bank straight to the supplier.
We only pay suppliers we've checked. We add each supplier's bank details ourselves and check them before they're used. We never use bank details from a photo of a bill, so a doctored bill can't send money somewhere else.
A chip-in is a gift. It's not a loan, and nobody pays it back. Once your bank has sent it, it can't be taken back through Bill Pal.
You can sign up, set up your profile and post your bill. Bills posted now are checked and wait until launch day. Chipping in, and real payments, switch on at launch.