Apps
Here’s everything you need to know with ING Pay
Another safe, easy cashless option
You can now do more with your ING account! A little over a year ago, ING Philippines launched its mobile-only bank. With it you can save up your hard-earned cash. Now, they’re letting you do more with ING Pay.
The ongoing Coronavirus pandemic has forced most of us to stay home. With that comes with the need to shift to mobile and online banking. With ING expanding their services, it’ll help with the transition to going cashless.
Here’s everything you need to know about ING Pay.
ING Pay is the newest product offering of ING Philippines. It makes payment easy, smart, and convenient through different features such as bills payment, virtual VISA debit card, and real-time InstaPay transfers. It also helps customers separate their daily account from their savings.
Is ING Pay an e-wallet?
ING Pay is not e-wallet. It’s a bank account, approved by the BSP which means that the security and processes are aligned with ING internal control framework and the standards of the BSP. As a bank account, customers can use ING Pay for all their payments and transactions, including crediting their salary, and manage their financials using the ING mobile app.
Do customers need to have an ING Save account in order to open an ING Pay account?
No. Customers do not need to have an ING Save account in order to use our ING Pay account. Just download the ING mobile app through iOS App Store or Google Play Store and select “Open an ING Pay Account”. However, we encourage our customers to still open an ING Save account to take advantage of its features, such as the high interest rate.
Will savings in ING Save be used for ING Pay?
Not necessarily. ING Pay account is separate from ING Save. Customers, however, can transfer funds from their ING Save to ING Pay instantly with no charges.
How can customers deposit funds?
There are 3 ways:
- They can use their other bank’s online banking portal or mobile app to transfer funds to ING Pay via PESONet or InstaPay.
- They can deposit a check directly to your ING Pay account via the ING mobile app.
- If they have an existing ING Save account with balances, they can transfer funds from their ING Save to ING Pay instantly and completely free.
Is there any maintaining or minimum balance needed in opening an ING Pay account?
There is no minimum amount to open and maintain the account.
How can customers contact ING?
They can reach out to us by sending a message in the in-app live chat function and FB Messenger. Our customer care team is available 24/7 and will reply as soon as possible.
Fund Transfers
Can customers transfer money from their ING Pay account to other third-party bank accounts?
Yes. Customers can transfer to their other bank accounts via InstaPay and PESONet, at no fees.
Are there any fees when transferring money from other banks?
Some banks may charge transfer fees.
How much can customers transfer via InstaPay?
Customers can transfer PhP 50,000 per transaction via InstaPay, as compared to a daily limit of PhP 50,000 set by most other banks.
Can customers adjust their transfer limits?
Yes. As an added security feature, customers can adjust their daily transfer limit via the ING mobile app.
How long will it take for deposits from other banks to get credited?
Transfer via InstaPay is credited instantly. For PESONet transfers, it will depend on the time that the transfer is made and the cut-off time of the sending bank.

Freelancer (and K-Drama fan) Ceej Tantengco shared how ING Philippines’ Save and Pay accounts are helpful in her work setup.
Virtual VISA Debit Card
How can customers access the virtual Visa debit card?
They can access and use their virtual Visa debit card via the mobile app so they never have to worry about losing the card details. They can keep track of all the transactions and manage their card usage anytime, anywhere.
Will ING Pay have a physical debit card?
Yes, customers can look out for our announcements and notifications on the availability of the physical debit card.
Can customers use the virtual Visa debit card for foreign transactions?
Yes, you can use your debit cards at local and foreign stores and or merchants that accepts Visa transactions.
Bills Payment
How many merchant partners does ING Pay have?
You can pay your bills to more than 70 merchants in our pre-enrolled list.
What do customers need in order to pay bills?
To pay bills, customers will need the following:
- The name of the biller
- The account, reference or policy number of the bill
- The exact amount you need to pay
How long is the processing time for transactions?
Generally, processing time can take 1-3 banking days. Payments made on weekends, holidays, or after 6:00pm on weekdays will be processed in the next banking day. Please ensure that all bill payments are made before your due date.
Security
If customers lose their mobile phone, how do they access their account?
We have applied measures to ensure the security of your account. For example we only allow 3 attempts when entering the passcode.
To access their account from a different phone, they will be asked to verify their personal details like what they used previously during account opening. They will also be asked to go through the liveness detection again for verification before accessing their account.
Is the customer’s money safe?
Yes, their money is safe with us. We are supervised by the Bangko Sentral ng Pilipinas. We are also a member of PDIC. The Maximum Deposit Insurance for each depositor is PhP 500,000.
Doomscrolling is the greatest enemy to everyone’s productivity today. The temptation to keep on scrolling for hours is an ever-present temptation. Taking a very strong stance against the phenomenon, the European Commission is now investigating TikTok for having an addictive interface.
Via Politico, Brussels is now prodding TikTok to change its interface. Very technically, the European Commission is not out to get doomscrolling, specifically. However, the major changes that they want to introduce “disabling infinite scrolling, setting strict screen time breaks, and changing its recommender systems.”
App addiction is a persistent problem today. Besides concerned parents, governments around the world have been trying to regulate addiction, especially when it comes to children. The European Commission, as is apparent from this new initiative, is at the forefront of preventing addiction.
Though the target is explicitly TikTok right now, changing addictive interfaces will also affect other social media platforms including Facebook, Instagram, and X. Most platforms nowadays thrive on encouraging users to keep scrolling through more content.
Right now, TikTok isn’t set to change just yet. However, the report states that the European Commission is willing to work with platforms for a better, non-addictive interface. It’s less abrasive than the region’s recent privacy initiatives, which requires users to verify their age before accessing mature content.
Apps
Breaking up with Adobe Photoshop after 20 years
Wedding planning and Apple Creator Studio made me realize it was time
Planning a wedding, even a small and intimate one, has a way of sharpening your sense of priorities. Right as my fiancé and I were making decisions for our city hall wedding here in New York City, Apple announced Creator Studio.
Creator Studio is a subscription service that gets you access to eight creative pro and productivity apps for US$12.99 a month, or US$2.99 if you’re a student or educator. The design app included in the subscription, Pixelmator Pro, is also available as a standalone purchase for US$49.99. Adobe Photoshop, my design software of choice for over two decades costs me US$22.99 a month.
Seeing those numbers next to each other made me pause. It’s not that I was unhappy with Photoshop. I was just suddenly made aware how expensive it is. I’d been paying more for a single tool than I could for an entire creative ecosystem.
Creative Studio’s lower price point, along with the free trial, made me consider switching to Pixelmator Pro altogether. That’s something I never thought I would do. Photoshop was how I got into graphic design. It was my first love, and up until recently, I truly thought it would be my ride or die.
Getting to know Pixelmator Pro
If you’re not familiar, Apple’s Pixelmator Pro is a graphic design and image editing app that’s similar to Adobe Photoshop. In practice, it covers a huge amount of the same ground but with a very different philosophy around usability and design.
I tried Pixelmator Pro, mostly as a challenge because we were doing a YouTube video on Apple Creator Studio. Personally, I was lowkey excited to try something new.
The first time I loaded the app, I recreated our YouTube thumbnail template — all within 10 minutes — and I haven’t looked back since.
Familiar enough to feel effortless
One of the biggest reasons my transition to Pixelmator Pro was so easy is muscle memory. Many shortcuts behave the same way: cmd+T for transform, cmd+R to show rulers, cmd+J to duplicate layers, just to name a few.
Having used Photoshop since high school, it felt familiar and intuitive — the complete opposite of how it felt to try and switch to Adobe Illustrator many years ago.
Photoshop is how I got into graphic design. It was my first love, and up until recently, I truly thought it would be my ride or die.
Later, I learned that you can import PSD (Photoshop) files directly to Pixelmator Pro. Apparently I didn’t even need to recreate the GadgetMatch assets. It does a good job of converting and preserving layers.
Photoshop now feels archaic
After using Pixelmator Pro for a few days, going back to Photoshop felt jarring. The sharp edges of the UI felt cold and rigid. Everything was layered with popups, panels, and tiny interruptions.
Pixelmator Pro, in comparison feels warm, smooth and frictionless. Its user interface is very Apple-like — rounded edges, softer icons and buttons. The Creator Studio version also gets the new Liquid Design touch, with transparent menus and elements that feel dynamic.
I especially love the little things. Color adjustments live in one simple panel instead of being scattered across different windows. There’s an eyedropper tool beside every color picker with a magnifier built-in.
When you hover over tools, it shows you the shortcut (e.g. “R” for Repair). There are also subtle animations, like when you use the Color Fill tool to change your canvas color.
The differences in user experience are stark. Photoshop’s animations either don’t exist or are too abrupt for one to notice.
Smart tools without the noise
Photoshop has one clear advantage over Pixelmator Pro: Generative AI. It’s great and powerful especially when you need to save time.
I personally used it a couple of times before to save time on cloning, erasing, or expanding elements. Am I going to miss it with this switch? Something tells me I won’t.
Pixelmator Pro’s clone and repair tools, though seemingly so simple, work like a charm. And for how I usually manipulate images, those two are more than enough.
From digital to physical
If Pixelmator Pro was going to replace Photoshop in my workflow, wedding prep was the perfect time to give it a real world test — and it more than held its own. Its ease of use gave me permission to think outside the box, because I knew I had a reliable tool that can help me make it happen.
On the left, a Kufic-inspired wedding logo designed on Pixelmator Pro; on the right, 3D printed stamps
Since my fiancé is half-Iranian, I designed a logo combining our names, inspired by Kufic calligraphy, and I did it entirely in Pixelmator Pro. I developed that same logo further and designed a save the date, with color, also inspired by Kufic calligraphy. I went through a few iterations to come up with the final designs, which were made easier by the Shape tool and grid overlays.
My fiancé then took the logo I designed in Pixelmator Pro, converted it to 3D on Revit, and printed it into stamps in different sizes. One way we’re using it is to deboss the handmade pottery he’s making as one of our party favors.
There are a few more wedding pieces I’m designing on Pixelmator Pro in the coming weeks: our final invitation, and the custom stationery for the dinner that follows the ceremony.
Through this whole process, Pixelmator Pro never felt like it got in the way, or that it was limited. On the contrary, it feels like that enabler friend who says yes to every idea I have, and can actually help make them real.
Powerful, but approachable
The best way I can describe what using Pixelmator Pro is like is this: it’s a mix of Photoshop’s professional tools, Canva’s free library of assets, and Apple’s UI sensibility.
Shortly after Apple announced Creator Studio, Adobe rolled out significant Creative Cloud discounts. Are they threatened? They better be.
That makes it great for beginners, small business owners, and casual creators. Like Canva, it comes with some beautiful templates to help someone with zero experience come up with something good.
But unlike Canva, it still feels like a serious design tool. I can do so much of what I need using Pixelmator Pro but with UI that’s so much more approachable compared to Photoshop.
I remember meeting Canva’s founders before launch and not fully understanding their mission to make graphic design accessible to everyone. Now I do.
It was never about replacing Adobe products and pro designers. What Canva did was fill a huge void we didn’t know existed. They democratized something that used to be reserved only for the privileged few.
Pixelmator Pro comes with free templates, assets, and mockups like this MacBook Pro and coffee packaging
Pixelmator Pro’s lower barrier to entry has potential to make a significant impact. My hope is it opens doors for people who were previously shut out of the graphic design world, and that it becomes something they can grow with, just as I did with Photoshop.
Adobe is still the industry standard
Switching to Pixelmator Pro wasn’t about rejecting Adobe, in the same way that Canva’s success did not kill Photoshop.
It’s worth noting that Adobe products are still the standard in the industry. A lot of companies rely on them, and most schools teach them. In a traditional design or agency environment, Photoshop and Illustrator are still the default language.
Even on Apple’s own Design Resources site for developers, the official design templates are built for Adobe Photoshop and Illustrator, not Pixelmator Pro. That says a lot about how embedded Adobe is in professional workflows.
Competition makes the space better
Apple Creator Studio, and tools like Pixelmator Pro, challenge Adobe’s near-monopoly in a really healthy way.
It’s not lost on me that trading Photoshop with Apple software actually keeps me locked into one ecosystem. But having more pro creatives try Pixelmator Pro can put pressure on the industry. A strong alternative that’s more cost effective can force titans and dinosaurs to evolve in a way the likes of Corel was never able to do.
Ideally, that means better products and fairer pricing for everyone. Shortly after Apple announced Creator Studio, Adobe rolled out significant Creative Cloud discounts. Are they threatened? They better be.
Access matters, and at the end of the day, with a healthy competition in the market, it’s consumers that win. Canva is a great example of this. It made design tools accessible to those who aren’t professionals. It didn’t make everyone a great designer, just as a novice who tries Final Cut Pro today won’t become a pro video editor tomorrow. Design is still a craft you develop over time with practice.
Is Pixelmator Pro my GadgetMatch?
Photoshop still has its place. But for my everyday work, and occasional personal projects, Pixelmator Pro can do everything that I need to accomplish, at a fraction of the cost.
It feels faster, lighter, and more alive. Honestly learning my way around new software has been so enjoyable — so much so that I feel a renewed sense of eagerness to try other design software like Blender and Figma.
Pixelmator Pro never felt like it got in the way, or that it was limited. On the contrary, it feels like that enabler friend who says yes to every idea I have, and can actually help make them real.
Wedding planning and Apple Creator Studio didn’t just make me switch to a new software. They also made me question how much I’ve been missing out on. How much of what I do is simply due to inertia?
Ending my longest relationship doesn’t mean it failed. I’m grateful for what Photoshop taught me. It helped shape the creative professional that I am today.
But alas, this is one area where my practicality wins over loyalty. Relationships — with people or with tools — only work when both parties keep showing up. There’s no room for complacency, despite the history.
Walking away from something that taught me so much feels bittersweet, but Pixelmator Pro fits the way I work now, and I hope it grows with me as I turn the next page.
Apps
Apple Creator Studio: Creative apps bundled into single subscription
All the tools you need, one payment
Apple has officially streamlined its popular creative apps into one single subscription suite with the introduction of Apple Creator Studio.
The collection includes some of the most useful apps for today’s creators: Final Cut Pro, Logic Pro, Pixelmator Pro, Motion, Compressor, and MainStage.
New AI features and premium content in Keynote, Pages, and Numbers also make the Apple Creator Studio an exciting subscription suite. Freeform will eventually be added to the lineup.
The groundbreaking collection is designed to put studio-grade power into the hands of everyone. It builds on the essential role Apple devices play in the lives of millions of creators worldwide.
The apps included cover video editing, music making, creative imaging, and visual productivity to give modern creators the features and capabilities they need.
Final Cut Pro introduces exceptional new video editing tools and intelligent features for Mac and iPad.
For the first time, Pixelmator Pro is also coming to iPad with a uniquely crafted experience optimized for touch and Apple Pencil.
Logic Pro, meanwhile, for Mac and iPad introduces more intelligent features like Synth Player and Chord ID.
Apple Creator Studio will be available on the App Store beginning January 29. In the Philippines, the rates are PhP 399 a month or PhP 3,990 annually.
There is also a free one-month trial which includes access to:
- Final Cut Pro, Logic Pro, and Pixelmator Pro on Mac and iPad
- Motion, Compressor, and MainStage on Mac
- Intelligent features and premium content for Keynote, Pages, Numbers, and later Freeform for iPhone, iPad, and Mac
College students and educators can subscribe for a discounted price of PhP 149 per month or PhP 1,490 per year.
-
News1 week agoTECNO will showcase the CAMON 50 and POVA 8 series at MWC 2026
-
Laptops2 weeks agoTECNO MEGABOOK K16s 13th review: No-frills beneath those grills
-
Features2 weeks agoHUAWEI MatePad 11.5 S 2026: The better-than-ever 4-in-1 productivity tablet
-
Gaming1 week agoNow Playing: Yakuza Kiwami 3 & Dark Ties
-
Reviews7 days agoThe art of being in and behind the frame
-
Gaming2 weeks agoHorizon Hunters Gathering is an upcoming co-op roguelite spinoff
-
First Look1 week agoMatch Pulse: OPPO Reno15 Pro
-
India1 week agoTECNO POVA Curve 2 5G packs an 8000mAh battery

