Budgets and Groceries: Tips on How to Maximize Your Monthly Supplies

Every month or so, everyone goes to the grocery store to replenish their family supplies. Food, ingredients, toiletries, and even beverages are bought in order to fill up stocks for the whole month. There are times in which they’d be consumed exactly by the end of the month, but there are also shortages from time to time, urging every household to visit the grocery once again in order to fill in that void. This can be more costly, and thus, adds an unwanted dent to the family budget. In such case, proper usage of supplies should be implemented in order to have enough even before the month ends. Here are a few valuable tips in doing just that:

1. The more you have, the more you’ll spend.

There’s nothing wrong about buying an extra amount when it comes to your supplies, but purchasing too much may do more harm than good. This is more evident when it comes to food products. Remember, they are only as good as their expiration date allows them to be, and stocking on perishable goods is not money well spent. You may need to invest more on food which will last for more than a few months. Toiletries and non-edibles are exempted from this, so stock up on soap and shampoos if you have to.

2. Properly preserve leftovers.

Food wasted is equivalent to money wasted as well. If there are leftovers, at least put them in the refrigerator. You may “repurpose” them the next day, mix them up with other fresh ingredients to add to taste, just as long as you’d never have to throw them away. You may also consider storing them in air-tight containers so they may not be contaminated with bacteria. If you can’t really consume them within a certain period of time, then at least give them away to a kind neighbor. Who knows, they might return the favor one of these days.

3. Make sure that nothing goes to waste.

Avoid applying too much toothpaste on your brush, the same goes for your soap and shampoos. Soap should not be left submerged in water, unless you want them to go out fast. When applying shampoo, be sure to take a small amount, then spread them on your palm, at least you’ll be able to maximize them. Roll up your toothpaste tube, never leaving any amount to waste. When it comes to edibles, cook only the right amount for that particular meal; never prepare anything in excess, unless you’re planning to have leftovers for the next day.

4. Manage your budget before proceeding to the grocery.

Live within your means. If your budget dictates smaller supplies for the month then at least orient everyone in the household. Let them know that no amount shall go to waste, regardless if it’s edible or non-edible. Supplies are scarce and the budget is tight, hence you may need to maximize every resource at hand. One main consequence of unwisely using up your supply is that there may never be another stock until the next month. If you need to sacrifice a bit of the toiletries, then feel free to do so. Do not disregard food products though, as everyone in the household needs their nutrients.

Now that we’ve discussed how you would maximize your monthly budget, it would only be proper that we discuss your options when it comes to keeping that budget safe. You’re probably looking to open a bank account in the Philippines that you’d be able to trust with all of your hard-earned money. Look no further than Cebuana Lhuiller’s MicroSavings Account. Initially offered in our Rural Bank branches, it is now available through our entire Cebuana Lhuillier branch networks. Simply put, you can use your 24K Plus Cards at any of our Cebuana Lhuillier Pawnshop and Bank Branches in order to withdraw your savings. With a minimum deposit amount of only P50 and no minimum maintaining balance, it’s incredibly easy to apply for one. You can even check your savings amount via our SMS service, reliable and ready to serve you 24/7. Visit your nearest Cebuana Lhuillier branch now – we assure a fast, easy and secure transaction.

Needs vs Wants

Most of the time, you may find yourself spending more on things which you do not need. Yes, we always have countless necessities when it comes to achieving convenience, but are they really that necessary? There’s nothing wrong about attaining your wants, but once they start to get in the way of your budget, certain steps have to be taken in order to halt expenditures. You may ask, “How may I distinguish my needs from my wants?” Well, look no further than our valuable tips:

1. No one can survive without needs.

Food, water, nutrients, medicine, you name it. All of the things which add to your good health are the perfect examples of needs. Just take a look at your monthly grocery list – more than half of those written are food and beverages, basic sustenance which provides those well-needed energy and nutrients for your body. Wants, on the other hand, are those which you can live without. They may add ease, pleasure, and convenience, but even when they’re not present, you can still survive.

2. Wants will always be costlier than needs.

Just think about it, you’d be able to save more if you were to cook your own meal, rather than buy them ready-to-eat through fast food or a restaurant. The same goes for cellphones and other forms of gadgets. If your unit still works then you would no longer need to buy a new one, or until such time that your current unit fully gives up due to overuse. Wants are basically costlier than needs. This is due to the fact that wants dwell more on the brand and aesthetics, rather than basic functionality. Consider our first two examples, expensive meals from fine-dining restaurants provide a perfect setup for social media photos, the same goes for expensive gadgets; you’re merely paying for the brand name, and not for its functionality (you’d only need it for call and text, after all).

3. One will always outweigh the other.

Needswill always top wants as a priority. When you’re trying to decide whether you’re going to avail that new cellphone unit or that delicious pack of organic vegetables, consider which would be most advantageous to you. The main thing about wants is that they would only provide temporary comfort, temporary happiness. Needs are more long-term, and you’ll feel the advantages for years to come. That example we mentioned earlier, that tough choice between a new cellphone and a pack of organic vegetables, you’re more inclined to experience the latter’s benefits than the former.

While mastering to differentiate your needs from your wants would be most beneficial to you in the long run, you must also consider saving up for the future. There are countless expenditures along the way, sudden expenses, emergencies, etc. So much that you would at least need to set aside a few amounts every month to make up for your “needs.” You may have to open a savings account if you’d want to achieve that. Look no further than Cebuana Lhuiller’s Micro Savings Account. Initially offered in our Rural Bank branches, it is now available through our entire Cebuana Lhuillier branch networks. Simply put, you can use your 24K Plus Cards at any of our Cebuana Lhuillier Pawnshop and Bank Branches in order to withdraw your savings. With a minimum deposit amount of only P50 and no minimum maintaining balance, it’s incredibly easy to apply for one. You can even check your savings amount via our SMS service, reliable and ready to serve you 24/7. Visit your nearest Cebuana Lhuillier branch now – we assure a fast, easy and secure transaction.

Safety Tips in Banking

We all go to the bank every once in a while to do a few transactions. Most of the time, we approach the ATM machines to withdraw, but sometimes, we incline towards depositing a particular amount to add to our savings. In such case, the duration of time we spend in the bank may not be that long, but those short, important moments should be spent in caution, as the safety and privacy of our money and account details should be a top priority. With that being said, here are a few banking safety tips to keep in mind:

1. Never share your account details.

This is always rule number one. Yes, there are tellers to assist you in your transactions, but remember that all bank personnel should be in proper uniform, complete with an official bank ID. If someone were to approach you offering to help, yet not in proper bank uniform, then feel free to report them to the security guard or personnel. And as much as you are in a hurry, never leave your details to someone offering to do your transactions for you. Remember that your details should be “for your eyes only,” not for anyone else.

2. Properly fall in line.

This may seem unworthy of a safety tip, but think about it, you want to make the most out of your busy schedule, and getting in the wrong line would be a waste of time. Not only that, there are people out there, “fixers” if you may call them, who would offer to do your transactions out of line in favor of you catching up to that other appointment. This is risky and should never be tolerated. If you want to finish your transactions early, at least arrive early to avoid long lines, and once you arrive, inquire which line would best assist you in your transactions.

3. Mind your belongings. Keep your cards and IDs secured.

The only time that you’d take out your cards is when you’re presenting them to the teller for verification, other than that, you should secure your items of interest in your wallet or purse. There is a reason why they’re called items of interest – others may find interest in them as well, but not in a very good way. Scams are rampant nowadays and you wouldn’t want to be next on their list.

4. Write your account details legibly on the form, and hand it only to the teller.

Keep your filled form with you at all times and don’t hand them to anyone else. Remember to write your personal info legibly so that the teller wouldn’t need to verbally clarify on them. This may be overheard and used by scammers, so make sure that your penmanship is readable by the bank teller’s standards. Also, don’t just keep them in your back pocket while in line, at least be cautious enough to hold them all throughout, folded to prevent anyone from peeking your info.

With all of that being said, you’re probably looking for a bank that you’d be able to trust with all of your life’s worth of savings. Look no further than Cebuana Lhuiller, which now is a cash agent of Cebuana Lhuillier Rural Bank that offers Micro Savings. Simply put, you can use your 24K Plus cards at any of our branches to withdraw from or deposit to your savings. With a minimum deposit amount of only P50 and no minimum maintaining balance, it’s incredibly easy to apply for one. You can even check your savings amount via SMS. Visit your nearest Cebuana Lhuillier branch now – we assure a fast, easy and secure transaction.

Teaching Your Kids to Save

Teaching your kids to save is not an easy task. They do not understand yet the concept of money earned and money well-spent, which is why you should think outside the box when trying to orient them about how they handle their own money. Especially at an early age, kids are prone to learn about the basic things in life, which is why you should strike whilst the iron is hot and take this very opportunity to teach them about the importance of saving. Here are just a few valuable tips:

 

1. Money doesn’t grow on trees.

First of all, make them realize that money isn’t something that pops out of nowhere, neither is it easy to attain. Each centavo is hard-earned and you should make them realize that. Let them know that there is a reason why you do not spend all your money in one go. Be creative in explaining, using examples and metaphors for the message to sink in. There are also various fables concerning this life lesson, hence, dust off those old story books.

 

2. The advantages of saving.

While explaining the importance of saving, you may encounter this particular topic. There are always advantages in saving money, and what better way to convince your kids to save than to inform them of these advantages. Your kids may not realize it at first, but these advantages can go a long way. Letting them save for their toys for example can develop their awareness with how saving can help them achieve their dreams. They may also develop this into a habit, saving every month so they have something to spend come Christmas time.

 

3. The disadvantages of not saving.

Okay, you’ve discussed the advantages once they save, but never forget the disadvantages once they don’t. As much as you wouldn’t want them to learn of the ugly things in life, like the lack of money and thereof, you should not sugarcoat the reality of too much spending. Any resource which is unwisely spent would run out, and money is no exemption. Let them know that once they’ve used up their pocket money, you wouldn’t give them anymore of the same amount, as you are sticking to your tight budget as well.

 

With all of that being said, you’re probably looking for a bank that you’d be able to trust with all of your life’s worth of savings (and perhaps a Kids Savings Account for your little ones as well). Look no further than Cebuana Lhuiller’s Micro Savings. Initially offered in our Rural Bank branches, it is now available through our entire Cebuana Lhuillier branch networks. Simply put, you can use your 24K Plus cards at any of our Cebuana Lhuillier Pawnshop and Bank Branches in order to withdraw from or deposit to your savings. With a minimum deposit amount of only P50 and no minimum maintaining balance, it’s incredibly easy to apply for one. You can even check your savings amount via SMS. Visit your nearest Cebuana Lhuillier branch now – we assure a fast, easy and secure transaction.

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.

 

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.

Image Source: https://unsplash.com/photos/sc7n5Xo-w1o

Cebuana Lhuillier Hong Kong Frequency Card Promo

  1. Cebuana Lhuillier Hong Kong (CLHK) Frequency Program is valid to all overseas Filipino workers (OFWs) sending remittance to PH with valid Hong Kong ID.
  2. The client shall present the frequency card for every Cash Remittance and RTA transaction availed at CLHK branch to earn a stamp.
  3. For each transaction of client, a Cebuana Lhuillier-branded merchandise will be given (1st – cardholder, 2nd – led key chain, 3rd – bag tag).
  4. Clients can avail the 50% OFF on remittance and RTA fees on their 4th To avail, client must present three (3) previous transaction receipts (within promo period) including the completed frequency card.
  5. If on the 4th transaction, client will send two (2) transactions, the 2nd transaction shall be charged accordingly.
  6. The cards are non-transferrable and only original frequency cards shall be accepted.
  7. Promo runs from May 01, 2018 to October 31, 2018, exclusive at Cebuana Lhuillier Hong Kong branch only and cannot be redeemed in conjunction with other promos or discounts.
  8. Cebuana Lhuillier employees and relatives within second degree of affinity or consanguinity are not allowed to participate in the program.

6 Worst Mistakes First-time Car Owners Make

We all make mistakes. You’ve probably done a few wrong choices in the past that you wish you hadn’t done. Your choice of career, your choice of words, and your choice of business—they are critical and have lasting effects on your financials. Here are ones you definitely should avoid: mistakes when buying a car, especially if you’re a first-time buyer. Knowing the dos and don’ts would not only help you avoid big expenses. It would also help you save up in the long run:

1. Not doing your homework.

We can’t stress this enough, but skipping the research phase is a big no-no, especially if it’s your first time to buy a car. Yes, experience is a good teacher, but you probably wouldn’t want to learn things the hard way. As with all major purchases, you need to know and look into car makes and models, reviews, pricing, rebates and incentives and negotiating techniques. Doing so would grant you an opportunity to negotiate on a good deal as well.

2. Relying on just one option.

Widen your horizons; seek out better deals, more affordable deals to be exact. As with all purchases, you have the choice to pick one that would work best for you. Do not be convinced to immediately buy in on your first walkthrough. Ask around, look at various car ads, and visit different car dealership showrooms. That way, you’d be able to compare prices and deals.

3. Buying from a salesperson you don’t trust.

Remember your main goal is for you to get the right car at the right price. Similar with the tip above, you also have the option to turn down a salesperson and walk away. If they seem too pushy or not knowledgeable about the car at all, then don’t bother to stay. On the other hand, the following are positive signs:

  • The salesperson can demonstrate the features of the car and help match a customer to the right car.
  • The salesperson listens well and answers your questions directly.

4. Not going through a test drive.

Never commit this critical mistake. When you’re buying a cellphone (or any other electronic device or appliances for that matter), you’d definitely want to check and see if it turns on. You have the right to check if it will be your money’s worth. You’re the one who’s going to drive, and you definitely want to make sure that your chosen car would run smooth and safely.

5. Not thinking it through.

You have to be sure about your decision; otherwise, it’ll all be just a big waste of your time and money. If your workplace or school is just a few steps away then there’s no point in availing one, especially if you don’t really have any reason to travel on weekends. If you’re more of a home-person, think about the pros and cons and how often you’d probably be using the car.

6. Not availing car insurance.

(Note: The only insurance required by LTO is third-party liability insurance and not comprehensive car insurance, which is what AutoCare is all about.) Not only would it pay for damages done on your vehicle. It would also cover physical injury and medical bills. Isn’t that amazing?

With all of these in mind, you are definitely ready to avail your very own car insurance; however, you’re not sure where to purchase one. At Cebuana Lhuillier, we offer the 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 assure a fast, easy and secure transaction.

 

Ka-Cebuanas basked in a Georgian frosty holiday

Twenty lucky Ka-Cebuanas from the United Arab Emirates won an all-expense paid trip to Georgia through Cebuana Lhuillier’s Year-End promo ‘Da Best Ka Winter 2017’, organized together with Tag 91.1, the leading Filipino radio station in the UAE. Cebuana Lhuillier clients from the UAE who sent money to their loved ones in the Philippines during the “Ber” months were qualified to join the promo.

During their 4-day, 3-night stay in Georgia, winners had a chance to visit tourist attractions such as the Old Tbilisi, Sulphur Baths, Rustaveli Avenue, Freedom Square, Peace Bridge, Narikala Fortress, Mtheska Cathedral, Annanuri Fortress, and Gudauri Ski Resort. Cebuana Lhuillier representatives and Tag 91.1’s disc jockeys Chickay and DJ Bob Kebab also joined the trip, as well as front liners from partner remittance centers like Al Ansari Exchange, Al Fardan Exchange, and Al Fuad Exchange.

Cebuana Lhuillier joins Tokyo Summer Festival and Araw ng Mga Pinoy in Japan

Filipinos in Japan were treated to entertainment and freebies as Cebuana Lhuillier partnered with Digitel to celebrate Tokyo Summer Festival and Araw ng Mga Pinoy.

 

Cebuana Lhuillier joined the first Tokyo Summer Festival last June 3 to 11 at the Ueno Park, Tokyo, Japan. The nine-day affair featured trade exhibits and food fairs to celebrate the Philippine Independence and Migrant Workers’ Day. Filipino celebrities such as AiAi delas Alas, Arnel Ignacio, and Ruru Madrid also performed to the delight of their Filipino fans.

During the event, Cebuana Lhuillier also took the opportunity to promote its international remittance service in Japan with its partner remittance center, Digitel Remittance.  Participants who visited the co-branded Cebuana Lhuillier and Digitel booth received branded giveaways.

Earlier this year, Cebuana Lhuillier, also partnered with Digitel Remittance to celebrate the Araw ng Mga Pinoy event organized by ABS-CBN’s music radio station, MOR 101.9 at Ikeda Park, Nagoya, Japan, where Filipino celebrities Erik Santos and Sue Ramirez entertained the crowd. Attendees who registered in the co-branded Digitel and Cebuana Lhuillier booth received giveaways.

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)