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Here’s everything you need to know with ING Pay

Another safe, easy cashless option

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ING Pay

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:

  1. They can use their other bank’s online banking portal or mobile app to transfer funds to ING Pay via PESONet or InstaPay.
  2. They can deposit a check directly to your ING Pay account via the ING mobile app.
  3. 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.

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Instagram possibly letting users pay for a blue badge

Copied from Twitter’s playbook

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Twitter got the internet into an uproar after implementing a way to pay for a coveted blue checkmark. Despite the controversy, other social media platforms are potentially introducing similar systems soon. As spotted in new code, Instagram has started referencing paid badges, hinting at a similar feature in the future.

First noticed by developer Alessandro Paluzzi (who spotted other unannounced developments in the past), Instagram’s coding includes mentions of an “IG_NME_PAID_BLUE_BADGE_IDV,” via TechCrunch. Additionally, Paluzzi found references to a Facebook version of the same code. To cap things off, he also discovered a few references to an upcoming subscription product from the current code.

A word of caution, though: Small references inside code might not mean much for the platform’s future plans. Paluzzi himself says that the feature is essentially unconfirmed for now, especially without a prototype.

Given the controversy surrounding the paid blue checkmark, it’s likely that Facebook and Instagram are waiting if Twitter’s experiment translates to better revenue in the long run. Though the initial Twitter Blue brouhaha simmered down for now, the new feature — along with Musk’s other changes to Twitter — are still experiments to test the new ownership’s vision for the platform.

For their part, both Facebook and Instagram have experimented with additional features to expand their offerings to their users. It’s not unheard of for either platform to draw inspiration from the winning features of other social media platforms.

SEE ALSO: Twitter reverses Facebook, Instagram ban

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Apple Music launches ‘Rihanna’s Road to Halftime’

In anticipation of Super Bowl 2023

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Apple Music Rihanna

After succeeding Pepsi as NFL’s official Super Bowl Halftime Show partner, Apple Music is pulling all the stops as it braces for its first ever show in the sports event, which features music icon Rihanna.

In anticipation of her upcoming Super Bowl LVII halftime performance in Glendale, Arizona on February 13, Apple Music has launched Rihanna’s Road to Halftime”, letting streamers experience the superstar’s music catalogue in deeply-enriched multidimensional sound.

Apple Music Radio will also be holding a Super Bowl LVII Halftime Show press conference on February 10, with Nadeska Alexis interviewing Rihanna herself ahead of her highly-awaited performance in United States’ annual sports spectacle.

An 8-episode “Rihanna Revisited Radio” will also keep fans engaged as the countdown to Super Bowl LVII continues ticking.

Even after the performance itself, Apple Music will have people covered with its Halftime Recap Radio” to wrap everything up.

Meanwhile, the new Apple Music Sing feature will also allow subscribers to take the mic and reenact Rhianna’s hits on compatible iPhone, iPad, and Apple TV 4K models.

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Controversial Netflix policy might ban users for sharing passwords

Company says plans are still unconfirmed

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Likely eclipsed only by Twitter, Netflix has gone through a ton of changes since last year. Underlying most of the new changes is a desire to curb password sharing. Now that 2023 is alive and kicking, the platform is readying its grand strategy to eliminate the phenomenon once and for all. Before the company can reveal their plans, a new report has leaked what’s coming for subscribers.

According to The Streamable, Netflix has changed its Netflix Help Center to reflect the new strategy. Based on the changes, the platform will require all profiles using a single account to be from the same primary location. If the platform detects that someone is using the account in another location, Netflix can reportedly block that user automatically.

To remain in the fold of an account, devices must sign into their home Wi-Fi every 31 days to check in. Any device who can’t do so might get blocked. Incorrect blockings can only be resolved with a call to Netflix’s support.

Now, the biggest controversy revolves around those who travel regularly. Users can reportedly request for a temporary code from Netflix to use the service in another location for seven consecutive days.

Though the changes were spotted on Netflix’s official pages, none of them have been officially announced yet. The page has been reverted to a vaguer version which only asks users in other households to have their own account. In a separate statement issued to The Verge, the company has stated that plans for subscribers (in the United States, at least) are still unconfirmed.

Still, the changed website is viewable via archiving sites like Way Back Machine. A change in the official support page might have come from a premature announcement, rejected plans, or an error.

SEE ALSO: Netflix confirms One Piece adaptation coming this year

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