5 Money Lessons that Impact your Child’s Future

As parents, it is our responsibility to teach our kids the proper way of handling finances. For some, this topic is too much of a taboo, especially for those who believe that money matters shouldn’t be discussed in front of their children. There is that traditional Filipino belief of not allowing kids to be exposed to mature subjects of discussions. What many fail to see, however, is that teaching kids the dos and don’ts of money spending would not only prepare them for a much stable financial future, but it would also instill in them a sense of responsibility when it comes to handling their finances. Here are five money lessons that may impact your child’s future:

1. You can’t buy all things immediately.

In short, this is trying to tell your kids that they just can’t buy anything they want, whenever they want to. Teaching this valuable lesson during their early years would not only refrain them from growing into spoiled brats, but also make them understand that money takes time to earn, hence, it should be spent, ideally, only when needed.

2 . Make the right decisions when it comes to spending your money.

We usually tell our kids to eat right and to avoid junk foods at all cost. The same principle applies for money spending. Make them realize that there are more important things than just toys and candies. Teach them about the basic necessities, such as clothes, food, and even shelter. Expose them to the fact that needs are always more valuable than wants, and that needs usually outlast wants when it comes to functionality, hence, the latter shouldn’t overshadow the former when it comes to budgeting and expenditures.

3. Money doesn’t grow on trees.

This is the best way to summarize the two pointers above. Make your kids realize that money is earned, not plucked from magical trees or summoned from your pockets. Let them know that adults work hard for each and every centavo earned, and that someday, they would definitely do the same thing. Instill in them the importance of spending wisely in order for them have a few amounts left for their piggy bank. Speaking of which…

4. Save, save, and save.

Teach your kids to save up for any future purchases. While they may be too young to work for their piggy bank savings, their main “job” for now would be to save up the extra change that they’d receive from mommy and daddy. As with Philippine traditions, relatives would usually give envelopes to the little members of the family during the holiday season. Teach them to keep these gifts aside for their future purchases.

5. Learning to share.

You might be confused, “I thought these lessons would encourage my kids to save and use their money wisely?” Yes, that is indeed true; however, this particular advice would not just instill goodness towards your kids, but also the spirit of investing wisely. Keeping money all to yourself would not enable it to grow. Proper investments, on the other hand, would not only gain you financial experience, it would also enable you to see your earnings grow each day. Sharing their money to those in need would let them see that the money they provided would do well in the long run.

Of course, when we’re talking about proper investments and savings, there is only one trusted name that we can surely recommend our kids in the future. If you’re a resident of Bacoor, Cavite, and Batangas, then the Cebuana Lhuillier Rural Bank is your one-stop spot for opening your own savings account. All transactions are real time, erasing all the hassles that you may experience in other establishments. So what are you waiting for? Visit the Cebuana Lhuillier Rural Bank now – we assure a fast, easy and secure transaction.

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Fly Home with Cebuana Lhuillier!

  1. Fly Home with Cebuana Lhuillier Countrywide Promo Mechanics
    • Complete qualified transaction: Remittance (any amount) sent from Taiwan, Singapore, Hong Kong, Malaysia and Canada to the Philippines through any of CL’s remittance partners and claimed in close to 2,500 branches nationwide.
    • (1) one qualified transaction per month = (1) one e-raffle entry
    • Lucky senders from each country will be drawn to win a roundtrip ticket to the Philippines on the following raffle draw schedule:
Country No. of Winners Promo Duration Raffle draw date
Taiwan 20 September 1 to October 31, 2018 November 9, 2018
Singapore 20
Hong Kong 20
Malaysia 20
Canada 5 October 1 to November 30, 2018 December 6, 2018

List of Participating Partners:

Country Partner Name
Taiwan
EEC Int’l Phils Corp
Metrex Services Corporation
WCT Express Remittance Services
Well Chain Int’l Co. Ltd.
Singapore
BKK Forex Pte Ltd
Brunphil Express Pte Ltd
iRemit
Metrobank
HK Franki Exchange
Cebuana Lhuillier HK
Malaysia CIMB Islamic Bank
Placid NK Corporation
SMJ Teratai Sdn Bhd
TML Remittance Center Sdn Bhd
Tranglo Sdn Bhd
Merchantrade Asia
Canada Family Express
PNB
Atin Ito
Filremit
Iremit
Metrobank
    • Roundtrip tickets are only valid for 6 months, upon claiming of winners.
    • Raffle draw will be held at ICT Office 3F The Networld Hub 156 Jupiter cor. Comet Sts. Bel-Air Makati City
    • Announcement of winners will be done thru partner in-branch announcement and social media.
  1. Promo reminders:
    • Raffle entries are computer-generated and are based on transaction numbers and agreed cut-off per month.
    • Clients can earn as many entries based on their number of qualified transactions.
    • Clients can only win once.
    • Winners will be notified through partner branch announcements and digital winners’ ads. They must bring at least one (1) photo-bearing valid ID when claiming their prize.
    • Winners have (30) thirty days to claim prize or prize will be forfeited in favor of Cebuana Lhuillier Services Corp.
    • Roundtrip tickets are not convertible to cash.
    • Client shall shoulder all travel-related requirements upon return to destination country.
    • Employees of P.J. Lhuillier Group of Companies, Ad/ Creatives Agency, PR and Media agencies, and their relatives up to the second degree of consanguinity or affinity are disqualified from joining the promotion.

 

Manifesto for disaster resiliency

Disaster management, risk reduction, and post-disaster rehabilitation experts convened at the Cebuana Lhuillier 2018 Ready: Disaster Resilience Forum to share learnings and best practices among disaster first responders, families and communities to strengthen and improve their disaster resilience capabilities. To reinforce the role of microinsurance as a disaster-risk finance tool, Cebuana Lhuillier launched OurHelp, an online site where donors can ensure individuals who do not have access to or means to get insurance coverage. The disaster resilience partners also signed a manifesto declaring their commitment to raise the level of awareness, preparedness and sustainabilityof resources of Filipinos against the impacts of calamities.Photo shows (from left) Philippine Red Cross Disaster Management Services OIC Ana Villa Mariguina, YESPinoy Foundation Inc. executive director Pebbles Badillo Sanchez-Ogang, Rappler community and digital communications head Stacy de Jesus, Cebuana Lhuillier president and CEO Jean Henri Lhuillier, AFP Deputy Chief of Staff for Plans, J5, Maj. Gen. Restituto Padilla Jr., UP-Visayas associate professor in community development Jorge Ebay, and Cebuana Lhuillier Insurance Solutions, Cebuana Lhuillier Foundation Inc. and Cebuana Lhuillier Micro BizFirst Vice President and Group Head Jonathan Batangan with the manifesto at the 2018 Ready: Disaster Resilience Forum at the Shangri- La at The Fort Manila.

Cebuana Lhuillier holds disaster resilience forum

CEBUANA Lhuillier held its third annual Disaster Resilience Forum which seeks to spread more awareness on Filipinos’ role in disaster risk reduction and management and on the role of microinsurance for disaster resilience. The first panel of the forum tackled the roles and responsibilities

of first responders and how training, swift response, and inter-agency coordination leads to effective emergency response services. A second panel tackled the ways of strengthening the resilience of communities against disasters. The closing panel discussed how increased awareness can help make Filipinos resilient against, disasters. The continued discussion on disaster awareness is part of Cebuana Lhuillier’s disaster resilience advocacy. This year, the forum looked into action steps for preparing against disasters. “We are asking the global public to support us. We are looking for others to come in and donate and help,” said PJ Lhuillier Group of Companies President and CEO jean Henri Lhuillier in an interview. OurHelp, a donation website which helps insure Filipinos, was officially launched in the forum. Through OurHelp, they seek to engage people in their disaster resilience advocacy. Their goal is to have 70% of Filipinos insured by 2020.

According to Lhuillier, it is also their goal to increase awareness on benefits o f microinsurance. “[An insurance package] is something that you will benefit from or somebody in your family will benefit from in the long term,” said Lhuillier. He added that the advantage of microinsurance is that it makes insurance affordable and easy to get. Furthermore, they seek to reach far-flung communities and indigenous groups who still do not know about microinsurance. They are also looking into social media platforms to increase awareness on microinsurance.

6 Signs You’re Ready for a Personal Loan

There are times when you find yourself needing financial help. You may be looking for ways to avail that shiny new cellphone or embark on your dream vacation. Sometimes, you may also find yourself financially able, only needing a few extra amounts in order to buy something costly or pay up a major debt. In such case, you may need to apply for a personal loan. It’s easy to submit your requirements and to just wait for your approval. However, there are also instances when you’re not really sure if you’re ready to apply for one. Here are a few indicators that you may be ready for a personal loan:

1. You’re in real need of cash.

We’re not just talking about the usual grocery budget or house rent payments, but rather, you’re in dire need to pay for something major. A personal loan would ensure that you have the amount ready, may it be a sudden injury or the debt collector knocking at your door.

2. You have the complete requirements.

Paperwork can be too time-consuming; however, if you already went through this particular stage, then congratulations! The thing about personal loan application is that the lenders aren’t just validating your past credit history, they’re also on the lookout for your dedication and focus during the whole process itself. If you have the commitment to complete your requirements, then you also have the potential to pay up in return according to the loan conditions.

3. Your means of income is consistent.

The thing about loans is that, basically, you are just borrowing money, regardless of the amount and the main purpose of your loan application. If your job pays regularly with no delay whatsoever, then you are in a good position to apply for a personal loan, as this entails that your regular income would enable you to pay back the loaned amount with no delay in the future.

4. You have a clean credit history.

Lenders usually do background checks when it comes to loan applications, and this includes the credit history of the applicant. Was he/she diligent enough to completely pay for their past loans? Do they have an outstanding credit balance? Do they have a positive credit score? All of these will come into play during your personal loan application, and not setting your past obligations would hurt your chances.

5. You have a manageable debt.

Now, don’t be confused. We had already mentioned before that you may opt for a personal loan in order to pay up a major debt. However, also take into consideration the amount of the debt itself. You can use a personal loan to pay up a 4-digit debt, but anything more than that and you may need to find other ways in order to complete that obligation. Think about it, what’s the use of paying a very high debt with a huge loan if that would mean you still have the same amount to pay up in the long run.

6. You are committed to paying in long term.

If you are the type of person who is okay with sticking to long-term financial obligations, then by all means, a personal loan may indeed be right up your alley. Take note that others would prefer a one-time payment, but that means they would need to pay up immediately, whether they already have something to pay with or not. A long-term payment such as a personal loan would mean that you’d have enough time and breathing space to pay the loaned amount.

With all of that in mind, when you’re hoping to acquire a personal loan, look no further than Cebuana Lhuillier. Our network of more than 2,200 Cebuana Lhuillier branches and online presence give customers unlimited access and utter convenience in applying for a loan. Our five-point application to disbursement process ensures services are delivered on time.

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Financial Trouble: 5 Warning Signs to Look Out For

It may seem strange for some, but being in financial trouble usually doesn’t sink in, not until it’s already too late. For most people, being in financial trouble would usually mean that the debt collectors are piling up on your front door, calling you in the late hours, or making their presence felt via service disconnection or summon letters. But did you know that there are other indicators when it comes to being in financial trouble. Here are a few major examples to look out for:

1) You have no emergency funds.

Okay, so you technically do not have debt collectors bothering you, but that doesn’t mean that they are not ready to hassle you once you encounter sudden expenses (leading to debts). May it be accidents or natural calamities, emergency funds are a must, and having little to no reserved funds would spell trouble for you, especially as hospital bills are on a sky high nowadays and that they mostly charge a penalty for late payments.

2) You have an outstanding credit history.

Having a negative credit record would mean that applying for future loans would result to smaller chances of approval. Lenders are very strict when it comes to loan applications and a negative credit score would indicate that you are not exactly the most trustworthy person that they could lend their money to.

3) You are paying off your debts with other debts.

This is not the right way of paying off past obligations. You’ll just be going in circles, not having any amount to put into your savings account. Find other means to pay off your debts. Work part-time perhaps, or request for a few extra hours in your regular job, but never borrow money just to pay your debts. It would lead to more debts in the long run, and you’ll be trapped in payments rather than earnings.

4) Your monthly earnings are just enough to get by.

Simply put, you have no savings. What you’re earning every month is just enough for food and utility bills. This shouldn’t be your financial situation, but rather, you should have the breathing space to at least spoil yourself every once in a while. Having the chance to set aside even a small percentage of your monthly earnings would mean that you’re financially ready for any unforeseen expenses or purchases in the future.

5) You have no insurance.

You may ask, “What does insurance have to do with my current financial status?” Well, it may have no indications as of now, but it may very well affect your future. Insurances (depending on the types and coverages) would ensure that huge amounts of your future expenses, especially those which arise from unforeseen situations, would be taken off your load. Think of it as a way of protecting your current financial status from turning into a future financial trouble. You might say that, “Well, I have no extra cash to invest in any form of insurance.” That statement alone is enough indication that you are indeed within the category of financial trouble. Do what you must in order to gain a little extra every month, enough to invest on a worthy insurance coverage.

With all of that in mind, one may wonder if they can find just the right insurance to fit all of their needs. Well worry no more, as here in Cebuana Lhuillier. We offer our Alagang Cebuana Plus Gold, a microinsurance product designed for individuals aged 7 to 70 years old with coverage of Accidental Death/Dismemberment & Disability (ADD&D), Fire Cash Assistance (FCA), rider benefit for Unprovoked Murder and Assault (UMA), and a micro-life insurance. ACP Gold is a 24/7 Personal Accident Insurance with worldwide coverage. For as low as P40, each certificate is valid for four (4) months and can be availed up to a maximum of five (5) certificates per insured. So what are you waiting for? Visit your nearest Cebuana Lhuillier branch now – we promise fast, easy and secure transactions.

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5 Driving Tips That Could Save Your Life

Whenever you’re on the road, it’s always important to be aware of your surroundings. The streets and passageways are unpredictable places. In most cases, incidents and other risky situations can be avoided with precautionary measures. If you’re the type of person who’d rather be safe than take unnecessary risks, then these driving tips could save your life:

1. Always keep your hands on the wheel.

There’s a reason why, here in the Philippines, strict rules are set against drivers who use their cellphones on the road. This is mainly due to frequent accidents which are caused by distracted drivers. It is important to keep your hands on the wheels, so that you can maneuver away from danger if the need ever arises.

2. Pay attention to road signs.

Imagine this: You’re so distracted by your passenger’s joke that you fail to notice the “One Way” sign on the roadside. Then, accident ensues and you’re the only one to blame thereafter. Make it a habit to look out for signs that may or may not be too visible, especially at night. If you’re passing by a school area, be on the lookout for pedestrian crossings as well.

3. Keep a “one-car” distance between you and the vehicle upfront.

Don’t drive too close to the vehicle in front of you. Give them enough space, just in case they’d come to a sudden halt or turn. This is a very critical rule to follow, most especially if it’s a truck, a bus, or an armored bank vehicle, as they may have lesser visibility of the vehicles behind them.

4. Adjust your side mirrors before every travel.

Make sure that side mirrors are properly angled to give you visibility of other vehicles that are driving up your side. It would save you a lot of trouble; especially as some drivers aren’t responsible enough to honk when they’re overtaking. Prevent a few dents and scratches with the simple act of adjusting your side mirrors.

5. Stay within the designated speed limit.

Expressways usually allow drivers to run at a higher speed, but city streets are a different story, as there is a smaller space to drive through and the amount of pedestrians are a lot more. The general speed limit in the Philippines is 60 km/h as its minimum and 100 km/h as the maximum. This varies depending on the vehicle type, as trucks and buses are only allowed to run as fast as 80 km/h.

Memorize and comply with all of these, and you’d need to worry less about road accidents. The more you know, the less chances of you getting involved in a dangerous situation.

But just in case, you’d definitely want to avail a full-pledged service that has nothing but your best interest in mind. With that being said, nothing beats Cebuana Lhuillier’s AutoCARE Insurance, a Standard Comprehensive Car Insurance that covers Own Damage (OD), Theft, Loss and/or Damage, Excess Bodily Injury (EBI), Excess Property Damage (EPD), and Acts of God/Nature (AOG/AON). So what are you waiting for? Visit your nearest Cebuana Lhuillier branch now – we promise fast, easy and secure transactions.

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5 Traps to Avoid When Sending Money Overseas

As an OFW, it is our responsibility to provide for our family back at home. It is the main goal of OFWs everywhere and the driving force that motivates us against homesickness and stress. With that in mind, it is only appropriate that we take all measures to ensure that our loved ones receive our hard-earned cash with no hassle and no delay. And while there are many options to choose from, when it comes to money remittance centers, you have to be on your toes in order to avoid a few cons among the pros. Here are 5 traps to avoid when sending money overseas:

1. Providing the wrong details.

Double-check the details that you’re going to provide for the remittance transaction. Check if the names are correctly spelled, make sure that they can be easily read by the remittance agent, and that the contact numbers are in place. Your recipients would have a hard time receiving the cash if there are spelling errors, as the remittance agents from their end would usually require a valid ID for verification. If the spelling doesn’t match, then they will refuse to release the amount to your loved ones.

2. Transacting with the very first remittance option that you encounter.

Like a customer hoping to make a good bargain, learn to look around for various options. Choose one which would best work for you. Other money remittance centers charge higher transaction fees than others, so make sure to ask around for a much better and lower price. Remember, it’s always better to send majority of your earnings to your family, rather than have a big chunk of it paid towards transaction fees.

3. Not being aware of the current conversion rates.

Do your homework and make sure to time your remittance right. Currency rates change from time to time, and you wouldn’t want to send your hard-earned cash at a lower rate. Take a peek at your morning television news, flip a page off the daily newspaper’s business section, or simply search for the current rates online. The higher the conversion rates, the more amount your family will receive.

4. Sending the wrong control number.

For the usual money remittance process, your loved ones at home should have the control number ready. Regardless of transaction types, the control number should be 100% correct. You will be given the control number from your end, after which, you should immediately send it to your loved ones, either by text or online message. Make sure that every digit is sequenced correctly or your family would not be allowed to receive the amount.

5. Transacting with unauthorized agents and unverified remittance centers.

Probably the worst mistake that any OFW may commit is not taking enough time to validate whether or not they are dealing with trustworthy individuals. Do not give your amount to any person claiming to be a representative of a remittance company outside of the main establishment. Be sure that you are within the premises of the remittance center, and that they are behind the transaction counter, complete in uniform and valid work ID. Remember, there will always be those who do not have our best interest in mind, and being a wise and cautious sender would be the best way to avoid them. Also, take note of the main establishment, and determine whether or not they are verified remittance partners. If not, it would be best to avoid them and to search for a more trusted option.

Speaking of a much-trusted option, if you are still undecided as to which remitting center you should transact with, no need to look any further. With Cebuana Lhuillier’s Pera Padala Service, you are ensured an easy, quick, and safe way to send and receive money. With more than 2,200 branches nationwide and accredited international partners, this money transfer service is made available to clients within and outside the Philippines. So for our beloved OFW patrons, feel free to visit any of our international partners – we promise fast, easy and secure transactions.

For a complete list of our international partners, you may visit our website at https://www.cebuanalhuillier.com/pera-padala/.

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Cebuana Lhuillier, an advocate of disaster resiliency

On the heels of last year’s successful disaster resilience forum, Cebuana Lhuillier continues to push for disaster preparedness among Filipinos, gathering the country’s industry experts in disaster management, risk reduction, and post-disaster rehabilitation on July 4, 2018 at Shangri-la the Fort Manila for the ‘2018 READY Disaster Resilience Forum Disaster Resilience Begins with Me.’

This year’s theme is an iteration of the past two fora, focusing on the need for everyone including the first responders; communities and families; and individual Filipinos to be ready and be fully equipped to take on an active role in disaster resilience.

 

 

Source: manilastandard.net

The Dos and Don’ts of Jewelry Appraisal

For every pawning transaction there will always be the process of assessing the item. There is nothing unusual about that as it would only be correct for the pawnshop to check if the price that you are asking for is fair and justifiable. However, there are certain factors that most customers overlook in the long run, and that is the dos and don’ts whenever you’re getting your jewels appraised. It may even be the first time that you are reading about this factors, hence, feel free to take note of these important tips, as not only would they help you get a great deal off your items, they would also teach you the most valuable techniques in pawning of your other jewels in the future:

Let us begin with the “Dos”:

     1) Do feel free to check with multiple appraisers.

Many customers would usually settle with the very first assessment that they would get, not knowing that there may be a possibility of getting a better deal elsewhere, and that possibility usually comes off correctly at the end. There is a particular “rule of three (3)” when it comes to finding the best deal. Get your items assessed in three different pawnshops, in that way, you may get a reasonable estimate of your jewelry’s value. Whichever one of them offers the best amount, then go for it. Remember, you have every right to scout for the best deal there is, and your options will and must never be limited.

     2) Do your own research regarding the current rates and values of different jewelry.

What better way to come up with a reasonable price than to know the current market price itself. This is done in order for you to not undervalue or overprice your item. Yes, the customer is always right, but that doesn’t mean you have every right to price your item, at the expense of the pawnshop. Overpricing was never a right thing to do in the first place, especially if you’re pawning off second-hand jewelry. The opposite may be said as well if ever you do not do your homework, the pawnshop itself may attempt to give you a very low price, knowing that you do not its current value.

Now, for the “Don’ts”:

     3) Do not pawn to the very first appraiser that you would encounter.

Remember when we said that you should not limit your choices? Well, that also applies in this particular pointer. As with shopping for your own clothes, you have various options to choose from. Even a shirt with great quality- can totally be bought for a cheaper price. The same may be said about the pawnshop that you’re transacting with. After getting your very first appraisal, ask around for another price assessment. If the first one doesn’t sound right, go for a second. If the second one still doesn’t do it for you, then go for a third. Feel free to discover as much options as you can to receive the best deal.

     4) Do not pawn your items in bulk.

Remember, you are pawning off your jewelry, not your old DVD collection. Pawning them off in bulk only gives them an impression of undervalue. Pawn them off separately, to various pawnshops or branches, if possible. Whichever way you can get a high price for each jewelry that you’re going to pawn, then go for it. In this way, you may also get a general idea of their estimated justifiable price from each branch that you would come across with, make comparisons in the long run, and plan out your strategy with each visit.

With all of that being said, you may be looking for a pawn shop that would provide you with the most honest and highest appraisal possible. No worries, as Cebuana Lhuillier has got your back. With our Pawning Service you can never go short in any amount, as we accept an array of items, from jewelry to gadgets, as collaterals. We also lead the pawning industry by offering safety and the highest appraisal rate in the industry in our more than 2,200 branches nationwide. Visit your nearest Cebuana Lhuillier branch now – we assure a fast, easy and secure transaction.

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CORPORATE AGENT PARTNERS

  • ACTION.ABLE, INC.
  • ALL ACCESS GATEWAY INC.
  • ANTRECCO (AGUSAN DEL NORTE TEACHERS, RETIREES, EMPLOYEES & COMMUNITY COOPERATIVE)
  • ACM VIP
  • ALL CASH
  • AGRILIFE/ AGRIVET
  • ASENSO PINOY STORE, INC. (EASY DAY SHOP)
  • AVICOM ENTERPRISES
  • AYALA ALABANG VILLAGE ASSOCIATION
  • BAUG CARP MULTI PURPOSE COOPERATIVE
  • BAGUIO BENGUET COOP
  • CARD BANK INC
  • CARD MRI RIZAL BANK INC
  • CARD SME BANK
  • CARITAS BANCO NG MASA, INC.
  • CEBU PEOPLE’S MULTIPURPOSE COOPERATIVE
  • CIS BAYAD CENTER, INC
  • COOPERATIVE BANK OF BOHOL, INC
  • COUNTRY BUILDERS BANK
  • CREDENCE FINANCING, INC.
  • CURAMED PHARMACY
  • DALTON PAWNSHOP AND JEWELRY INC.
  • DANIELA PAWNSHOP
  • DIRECT AGENT 5 (DA 5)
  • DEVELOPMENT BANK OF THE PHILS.
  • EXPRESSPAY INC.
  • EVRIJEM FOREIGN EXCHANGE AND MONEY REMITTANCE
  • FILHAI MULTI PURPOSE COOPERATIVE
  • GLOBAL PINOY REMITTANCE AND SERVICES (GPRS)
  • GEMARY PAWNSHOP AND JEWELRY (CORP.)

OVER 600 BILLER PARTNERS NATIONWIDE

  • 123 FINANCE CORPORATION
  • 123 LENDING CORPORATION
  • 2C2P
  • 8AMC (VIA ECPAY)
  • ABEJO WATERS CORP.
  • ABRA
  • ACOM CONSUMER FINANCE CORPORATION
  • ACTIVE REALTY & DEVELOPMENT CORP.
  • ADA MANUFACTURING CORPORATION (VIA ECPAY)
  • AEON CREDIT SERVICE
  • AETERNITAS CHAPELS AND COLUMBARIUM (VIA ECPAY)
  • AFC SME FINANCE INC
  • AFTERWEST MICROLOANS INC
  • AGODA – DRAGONPAY
  • AGRIBANK
  • AGRO-INDUSTRIAL FOUNDATION COLLEGE OF THE PHILS.
  • AGUSAN DEL NORTE ELECTRIC COOPERATIVE, INC.
  • AIR YOU GO TRAVELS PHILIPPINES CO.
  • AKLAN ELECTRIC COOPERATIVE, INC.
  • ALAMINOS CITY WATER DISTRICT (VIA ECPAY)
  • ALLIANZ PNB LIFE INSURANCE INC.
  • ALPHA FUND SAVINGS & CREDIT COOPERATIVE (VIA ECPAY)
  • AMADEO WATER DISTRICT (VIA ECPAY)
  • AMYA POLYTECHNIC COLLEGE, INC. AND FINANCING CORPORATION (LENDPINOY)
  • ANGAT WATER DISTRICT (VIA ECPAY)
  • ANGELES ELECTRIC COMPANY ANGELICUM SCHOOL , INC. ILOILO CITY (VIA ECPAY)
  • ANJELMAN REAL ESTATE LEASING
  • ANTIQUE ELECTRIC COOP, INC ANTRECCO (BILLS PAYMENT)

OVER 600 BILLER PARTNERS NATIONWIDE

  • 123 FINANCE CORPORATION
  • 123 LENDING CORPORATION
  • 2C2P
  • 8AMC (VIA ECPAY)
  • ABEJO WATERS CORP.
  • ABRA
  • ACOM CONSUMER FINANCE CORPORATION
  • ACTIVE REALTY & DEVELOPMENT CORP.
  • ADA MANUFACTURING CORPORATION (VIA ECPAY)
  • CREDIT SERVICE
  • AETERNITAS CHAPELS AND COLUMBARIUM (via ECPAY)
  • AFC SME FINANCE INC
  • AFTERWEST MICROLOANS INC
  • AGODA – DRAGONPAY
  • AGRIBANK
  • AGRO-INDUSTRIAL FOUNDATION COLLEGE OF THE PHILS.
  • AGUSAN DEL NORTE ELECTRIC COOPERATIVE, INC.
  • AIR YOU GO TRAVELS PHILIPPINES CO.
  • AKLAN ELECTRIC COOPERATIVE, INC.
  • ALAMINOS CITY WATER DISTRICT (via ECPAY)
  • CREDENCE FINANCING, INC.
  • CURAMED PHARMACY
  • DALTON PAWNSHOP AND JEWELRY INC.
  • DANIELA PAWNSHOP
  • DIRECT AGENT 5 (DA 5)
  • DEVELOPMENT BANK OF THE PHILS.
  • EXPRESSPAY INC.
  • EVRIJEM FOREIGN EXCHANGE AND MONEY REMITTANCE
  • FILHAI MULTI PURPOSE COOPERATIVE
  • GLOBAL PINOY REMITTANCE AND SERVICES (GPRS)
  • GEMARY PAWNSHOP AND JEWELRY (CORP.)

List of Accepted Government/ Valid IDs

  • Passport
  • Driver’s License
  • Professional Regulation Commission (PRC) ID
  • National Bureau of Investigation (NBI) Clearance
  • Police Clearance
  • Postal ID
  • Voter’s ID
  • Philippine Identification System (PhilSys) ID
  • Government Service Insurance System (GSIS) e-Card
  • Social Security System (SSS) ID
  • Senior Citizen’s ID
  • Overseas Workers Welfare Administration (OWWA) ID
  • OFW ID
  • Seaman’s Book
  • Alien Certification of Registration (ACR)
  • Barangay Certificate or ID (with picture and signature)
  • Birth Certificate (applicable to minors only)
  • Firearm License
  • Immigrant Certificate of Registration
  • Marriage License
  • National Council for the Welfare of Disabled Persons
  • New TIN ID
  • OWWA ID
  • Student ID
  • Alien Certification of Registration (ACR) / Immigrant Certificate of Registration
  • Government Office or Government Owned and Controlled Corporations (GOCC) ID (e.g. AFP ID, HDMF (Pag-ibig Fund) ID, etc.
  • Certification from the National Council for the Welfare of Disabled Persons (NCWDP)
  • Department of Social Welfare and Development (DSWD) Certification
  • Integrated Bar of the Philippines ID (IBP)
  • Company IDs issued by private entities or institutions registered with or supervised or regulated either by the BSP (Bangko Sentral ng Pilipinas), SEC (Securities and Exchange Commission) or IC (Insurance Commission)

IDs Accepted

As required by Bangko Sentral ng Pilipinas (BSP), clients who engage in a financial transaction with covered institutions for the first time shall be required to present the original and submit a clear copy of at least ONE (1) valid photo-bearing identification document issued by an official authority. For our clients’ convenience, Cebuana no longer requires submission of the photocopied ID. IDs are captured using a webcam in all branches. Clients are also required to submit an updated photo and other relevant information whenever the need for it arises.

Forms of identification accepted are the following;

Pawn Accepted IDs
1. Passport
2. Driver’s License
3. Professional Regulation Commission (PRC) ID
4. National Bureau of Investigation (NBI) Clearance
5. Police Clearance
6. Postal ID
7. Voter’s ID
8. Philippine Identification (PhilID) card
9. Social Security System (SSS) Card / Unified Multi-Purpose ID (UMID)
10. Barangay Certification
11. Government Service Insurance System (GSIS) e-Card
12. Senior Citizen Card
13. Overseas Workers Welfare Administration (OWWA) ID
14. OFW ID
15. Seaman’s Book
16. Alien Certification of Registration/Immigrant Certificate of Registration (for foreigners)
17. Government Office and GOCC ID, e.g., Armed Forces of the Philippines (AFP ID)
18. Home Development Mutual Fund (HDMF ID)
19. Certification from the National Council for the Welfare of Disabled Persons (NCWDP)
20. Department of Social Welfare and Development (DSWD) Certification
21. Integrated Bar of the Philippines (IBP) ID
22. Company IDs issued by private entities or institutions registered with or supervised or regulated either by the Bangko Sentral ng Pilipinas, Securities and Exchange Commission or Insurance Commission
23. ID issued by the National Council on Disability Affairs (NCDA)