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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.

Apps

5 best workout apps to try at home

Start creating healthier habits and close your rings!

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Over the past year, taking care of ourselves has become a priority for a lot of us. Eating healthier, getting a good amount of sleep, being mindful, and working out will not just make us less susceptible to diseases now and in the long run, they also help relieve stress and avoid bouts of lethargy in our day to day.

As a beginner, exercise will always seem daunting — or even feel like a chore. This is why fitness apps are now more comprehensive than ever, offering guides for different kinds of physical activities to cater to people’s different needs and lifestyles.

Whether you’re a mom of a toddler who thinks she doesn’t have time for working out, or a workaholic who wants to spice up her rather drab routine, here are some of the best workout apps for iOS that you can try at home to help you start creating healthier habits.

Fitness+

US$ 9.99 per month / US$ 79.99 per year

Apple’s very own Fitness+ doesn’t require a separate app, but you do need an Apple Watch and either an iPhone, iPad, or Apple TV to access the workouts within the Fitness app.

You can choose from different sets of workouts: HIIT, core, strength training, yoga, dance, treadmill, rowing, cycling, mindful cooldown. There are also options to sort by trainer, duration, and music.

Apart from its seamless integration with the Apple Watch, the biggest draw of Fitness+ are the high production value, diverse set of trainers, and integration with Apple Music.

With 21 different personalities to choose from, you’re sure find one that you will enjoy working out with. My personal favorites are Bakari for HIIT, Jessica for yoga and mindful cooldown, and Kyle for core and strength workouts.

In each class, the trainer walks you through each move that you are doing. A brief warmup and cooldown are also included in every workout.

Having songs you love play in the background makes a grueling 30-minute HIIT actually exciting. It especially helps that the trainers encourage you to sing or dance to the songs during recovery.

Aaptiv

US$ 14.99 per month / US$ 99.99 per year

Sometimes watching a video of someone doing push ups is not necessary. Aaptiv packs all the motivation you need to work out in audio-only classes tailored to your needs.

The beautifully designed UI helps make working out less daunting. Upon signing up, you are asked what your fitness level is, what kind of workouts you’re interested in, length of classes that you prefer, what equipment you have, and one healthy habit the app can help you build. Choose from foam roll, work on your core, master the plank, do squats, do push-ups.

Based on your answers, you then get a weekly personalized coach plan. There are also guided programs, team challenges, and playlists of great music.

Nike Training Club

Free

If being in a virtual class isn’t your cup of tea, Nike Training Club has a good selection of routines that you can easily follow.

You can search workouts based on your needs. Whether you’re looking to improve endurance, mobility, or strength, routines with dumbbells, or those that target specific muscle group, the app has you covered.

One of my favorite features that’s not available on the other apps mentioned here, is the use of the Apple Watch’s haptics. This allows you to focus on doing each rep, instead of looking at your screen to check the time. Getting your form right — including your neck’s position — is important in maximizing results.

My other favorite feature: The app is free!

Peloton

US$ 12.99 per month

While Peloton is known for its high-end treadmill and indoor bike, its app can be downloaded by anyone. It offers different classes that don’t require any of their equipment.

No matter how busy you are, you won’t run out of options with thousands of live and on-demand workouts to choose from. Like Fitness+, Peloton workouts are accompanied by great music and energetic trainers that make exercising fun. Emma Lovewell and Adrian Williams have made strengthening my core a lot more enjoyable.

The leaderboard on the app shows other users who are simultaneously doing the workout with you. If you join any of the live classes, you might even get a shoutout from the trainer.

The app also lets you filter classes by duration, class type, instructor, or music. On days when you feel like doing cardio with Britney Spears or yoga with Elvis, know that those are options.

With more than three million members, challenges within the Peloton app help motivate you to create healthy and consistent fitness habits with other users. The Annual 2021 challenge, which tracks every active minute on all Peloton platforms, has more than one million participants as of writing.

READ: Peloton tips and tricks: How to make the most out of your workout

Wondercise

US$ 4.99 per month / US$ 35.99 per year

If you want to virtual classes but don’t need a charismatic trainer or great background music, try Wondercise. At more than half the price of a paid subscription, this is the workout app that offers all the basics, whatever your level of fitness is.

Using its live motion matching technology, the app analyzes and maps your movements as you train by using a compatible wearable, including the Apple Watch.

Wondercise identifies how closely your movements match those of the onscreen trainer. The more similar your movements are to the trainer, the higher your score will be.

Finding a class that suits your needs is easy. Recommendations that are served to you are tailored to the fitness level and goals you indicate when signing up. This saves you time from scrolling through all the available workouts.

There is also wide range of exercises that you can try that are not available on other apps. Apart from HIIT, core, and strength training, you also get access to tai chi, MMA, kickboxing, and pilates.

SEE ALSO: 8 mindfulness apps to help you cope in this time of uncertainty

Note: All five apps work seamlessly with the Apple Watch. This means that when you start a workout on your phone it automatically syncs with your Apple Watch and records your heart rate and active calories. Apart from Fitness+, all other apps can be used without an Apple Watch.

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WhatsApp delays roll-out of new privacy policy until May

Signal and Telegram are trending instead

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Photo by Dimitri Karastelev on Unsplash

WhatsApp rolled out a new privacy policy that clearly specifies how the instant messaging app will leverage your data for monetization. But the new privacy policy is on hold.

WhatsApp, owned by Facebook, has announced that it will delay enforcing its new privacy terms from February 8 to May 15. In the blog post, the company says that none of its privacy-focused features are changing.

“We’re also going to do a lot more to clear up the misinformation around how privacy and security works on WhatsApp. We’ll then go to people gradually to review the policy at their own pace before new business options are available on May 15,” the statement said.

It faced massive backlash as users are worried about their personal data. When the privacy policy changes went public last week, the response from the public was downright brutal. Alternative apps like Telegram and Signal started trending worldwide as users started joining it in hopes of ditching WhatsApp.

Even though WhatsApp is end-to-end encrypted, Facebook will still fetch some crucial information like your transactions, location, and other behavioral data from linked Instagram profile. And, we all know Facebook has a nasty reputation as far as personal data management is concerned. What makes it even more outrageous is that the policy is leave or take, and there’s no third option.

In the wording used, WhatsApp says the new privacy policy will change how it partners with Facebook to “offer integrations” and that businesses can use Facebook services to manage WhatsApp chats. It said that hat all private messages between friends and family members will remain end-to-end encrypted.

According to a CNBC report, India’s technology ministry also asked WhatsApp to withdraw planned changes to its privacy policy that has drawn widespread backlash.

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Ultrahuman is an all-in-one fitness app

Workout, meditate and sleep soundly

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Staying physically and mentally fit is extra challenging during a pandemic, but it’s become essential now more than ever. Ultrahuman is a fitness app launched that offers a very convenient platform that targets the three main health points: physical exercise, meditation and sleep. It helps you stay fit from the moment you wake up until you go to bed!

This newest app, which debuted on CES 2021, features different content per category. It includes home workouts and yoga programs from world-class athletes and professional trainers to focus on your physical strength. You can choose from various workouts — from running and yoga to weightlifting and HIIT. The app is designed for all fitness levels.

With the app’s biofeedback technology, you can also track your heart rate and calories burned in real-time.

There’s also content focusing on mindfulness, including guided meditations, bedtime stories, calming meditation music, nature and sleep sounds, breathing exercises, among others. Manage stress and anxiety better by improving your mental health and sleeping patterns with the help of this series.

You can also listen to “brain music”, a section where you can find songs curated by “neuro-musicians” that aids focus, sleep and productivity.

Ultrahuman also partnered with UCLA, Mindsize, and Unified Mindfulness to bring the best of mind science and technology together.

The app is available on iOS and Android, and is already rolled out across 50+ countries globally. It’s been recognized by Apple as one of the top apps they love. Apple Watch users can also integrate their app to track their health progress real-time.

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