Sep 092014
 

By Mohammed Waseem

American Express has this product called Bluebird, which has many features including bill pay. It is a complete solution for personal financial management. Just like any other bill pay service, Bluebird makes it easy to have all bills paid. In fact, users can pay any individual apart from paying bills. This saves them the time to visit a bank or biller’s premises and costs of stamps, envelopes and other related services.

Users can pay bills online or using the Bluebird mobile app. To pay a bill, one has to be a registered user and has to login to the Bluebird account. Among the many features, ‘Pay Bills’ has to be chosen. After having done that, a payee has to be added from the existing list or a new payee has to be added.

BluebirdOnce a payee has been added, payment method has to be chosen and the amount has to be keyed in. In order to submit the payment, a PIN has to be entered, which is usually set in advance. Once submitted, confirmation is displayed and recorded in the Bluebird account. Following every payment, a confirmation email is sent to the user.

There is a monthly limit of $10000 for payments to payees listed in the Bluebird Bill Pay System and $5000 for non-registered payees. It takes between 4 and 7 working days to complete the payment, so the user has to schedule the payment well in advance to avoid late fees.

By using this service, users can also earn points that can be redeemed later. Any bill from rent to a car payment can be paid with no additional fees. Taxes can also be paid with this service.

In order to register for the service, one has to fill in this form and start using Bluebird to manage all personal finances including bills payable.

Jul 182014
 

By Mohammed Waseem

American Express offers bill pay services in many countries that it operates in. I had discussed about the service in the US in my previous article, which was an automatic payment service for recurring household bills. In this article, I will discuss the service available in Saudi Arabia.

In one of my previous articles, I had discussed about SADAD, the online bill payment system in Saudi Arabia. The system is widely used by almost every resident of the Kingdom and is easily accessible from the ATMs of almost every bank and online. American Express also allows the residents of KSA to pay bills through SADAD. The channels that can be used include ATMs of any bank, internet, telephone banking and branch visits.

American ExpressTo pay bills in person, the bank Amex has partnered with is Saudi Investment Bank. Payers can visit any branch of the bank and pay in cash or check. Checks must be payable to “Amex (Saudi Arabia) Ltd. – American Express [SADAD Number]”. Alternatively, the card holder can pay a bill through SARIE (Saudi Arabian Riyal Interbank Express) bank transfer.

American Express also offers the automatic payment service in Saudi Arabia, which they offer in the US, that we have discussed previously. For availing this service, the card holder is supposed to call Amex customer service number: 8001242229.

Amazingly, bills can also be paid from outside Saudi Arabia by depositing the funds in USD into the American Express’ bank account with JP Mogran Chase Bank in New York. The beneficiary bank is The Saudi Investment Bank and the beneficiary name is Amex (Saudi Arabia) Ltd. The details for this can be obtained from the customer service team or from here.

Jul 182014
 

By Mohammed Waseem

Among the credit card providers that offer bill pay service, American Express is an excellent choice. They provide an easy, convenient and time saving service to enable the card holders to manage recurring household bills. The holder of an American Express card has to register their card with participating merchants to avail this service.

Once registered, all bills are paid on time, automatically, without any additional cost to the card holder. In order to use the service, card holders need to look for the biller on Amex website and go to the former’s website (or access the service from biller’s website). When they access the biller’s website, they are provided with instructions to pay the bills; these may differ for each biller. After setting up automatic payments, all the payments can be tracked on American Express Account Statements.

Amex Automatic Bill PayIf the biller a card holder is looking for can’t be found on Amex website, the billers can be directly asked if they accept American Express Automatic Bill Payment as an option. Having registered for the service, it may take up to three billing cycles for charges to appear on the American Express Card Account Statement.

This link can be used to locate the billers and see if the service provider the card holder uses is supported. If a particular biller is not found, they should be contacted directly to enquire. Most billers send the paper bills marked “Paid” or “Do Not Pay” to indicate that the bill will be automatically paid. Alternatively, payers can use online bill presentment offered by the billers, if it is available.

An advantage of this service is that there is no fee associated with bill payments, which is not true with most third party bill payment services. In addition, card holders can enroll in a reward program and get rewards for using the bill payment service. By using this service, American Express card holders can save time, postage, late fees and bill payment fees.

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