Phone Bill

Need Help Paying Your Phone Bill?

Wagetap has Two Ways to Help You!

Fast Cash or Split Your Bill into 4 Equal Payments with Our App

There’s no avoiding the monthly phone bill if you want to stay connected. But phone bills can get expensive, and they can quickly become overwhelming if you’re short on cash when bills are due. Instead of struggling to pay your phone bill and your other necessary bills, let Wagetap help. With Wagetap, you get access to convenient financial features like our wage advance and our split bill features. Wagetap is here to make the monthly bill cycle more manageable and to ease financial pressures. Download Wagetap today to get your expenses under control and read on below to learn more about our app!

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How it Works

Two Ways We Can Help:

Wage Advance

Instant Cash to Pay Your Bill

Wagetap gives you two simple options when you’re short on funds for your phone bill. The first option is to get instant cash with our wage advance. Our wage advance feature provides you with up to $300 of your wage early, so you don’t have to wait until payday to access the money you’ve earned. This can help you cover your phone bill or any other expenses you need. It’s your money, so you can spend it the way you need to.

Once payday arrives, you’ll get the remainder of your paycheque. It’s easy, convenient and it helps you have more control of your finances

Bill Split

Spread Your Telephone Costs into a Stress-free Payment Plan

Your telephone costs can be a fairly large bill, especially if you have multiple phones on your plan. When this bill comes due, it can take a large chunk out of your wage and make it difficult to pay for the other things you need. With our split bill feature, you can spread that bill out and turn it into smaller, more manageable payments.

Our split bill feature can cover up to $600 of your phone bill, allowing you to pay that bill over time rather than all at once. If you borrow under $300 to cover your bill, your payment plan will be split into three equal payments that line up with payday. Borrowing over $300 for your bill will split it into four payments.

Mobile Bill Providers We Support

We make it easy to pay your phone bill directly from our app. All you need to do is use our split bill feature to cover your phone expense. We can directly pay all major Australian phone providers, including Telstra, Optus and Vodafone. We can pay any bill where BPAY is offered as a repayment option. Managing your bills directly from our app will help you make sure your phone isn’t disconnected because of missed payments.

Eligibility Requirements for Phone Bill Assistance

Wagetap does require our users to meet certain criteria to use our financial assistance features. Eligibility is not guaranteed, and you can lose eligibility if your status changes. Feel free to contact our support team if you have questions about eligibility.

Here are the requirements that need to be met:

A connected account that allows direct debit transactions

A minimum income of $800/month

Wages paid by an employer payroll

Consistent wages on a weekly, fortnightly or monthly basis

You may also lose eligibility if:

More than 50% of your wage is from sources such as Centrelink and other government payments

You have too many gambling expenses

You have too many dishonour fees

You have too many payment reversals

Your recent expenses and repayment history have not passed our eligibility criteria.

We often reassess the eligibility of each user to ensure you can still use our features and borrow from our app.

Download Our App to Get Started!

Ready to never miss another phone bill payment? We’re ready to help. Wagetap is here to make paying your bills less stressful and help you get the financial help you need to feel more comfortable. Download Wagetap today on the Apple App Store or Google Play Store. Getting your account set up takes just a few minutes.

It’s Like Buy Now Pay Later But for Your Phone Bills

Wagetap’s split bill feature functions much like the buy now pay later feature people use for shopping. Instead of covering expenses for shoes or a TV, our app splits payments up for your phone bill and other necessary monthly payments. However, if you need some help with groceries or other shopping expenses, you can always use our wage advance to get the little bit of extra cash you need.

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Bill Split

What is Bill Split? faq dropdown arrow

Bill Split is our newest feature! We cover your bill, and you repay in smaller installments aligned to your payday. Instead of worrying about not having enough money for a bill, just let us pay it for you. Paying us back with smaller payments is much easier than dealing with a late bill. It's that simple.

How does Bill Split work? faq dropdown arrow

Bill Split is easy to use! First, you just need to connect your accounts. Then you can Bill Split in 3 easy steps:

1. Add a bill within your eligibility limit
2. We cover your bill for you
3. You make smaller repayments aligned to your payday.

How much does it cost to Bill Split? faq dropdown arrow

5% that's it. For example: when you split a $100 bill, we will charge $5. This is added to your first repayment. There are no interest or late fees.

How much of my bill can I pay with Wagetap? faq dropdown arrow

Currently, we only allow full bill payments. For example, if you're eligible for bills up to $200, your total bill will need to be less than this amount. If your bill is $250, you won't be able to split this bill.

What affects my eligibility to use Bill Split? faq dropdown arrow

Before you can split a bill with us, we check that you meet our eligibility criteria to ensure that we are lending responsibly. If you are not eligible this time, this could be for a few reasons.

Here are the most common reasons:

• You have not connected a transacting account that your wages are deposited. (A transacting account is an account that allows direct debits. We need this so we can process repayments.)
• You don't meet the minimum income requirement ($800/month)
• Your wages are not paid by your employer's payroll (not as bank transfers).
• Centrelink makes up more than 50% of your wages. (We also don't accept other government payments such as pension payments as wages)
• Your wages are not consistent, meaning you aren't consistently paid weekly, fortnightly or monthly.
• You have too many gambling expenses on your account.
• You have too many dishonour fees on your account.
• You have too many payment reversals on your account.
• Your recent expenses and repayment history have not passed our eligibility criteria.

We run our eligibility criteria frequently and reassess your account's eligibility. This means, even if you have taken a loan with us previously, this does not guarantee you'll be able to make another loan with us and will be subject to passing our eligibility criteria.

How long will it take for my bill to be paid? faq dropdown arrow

In most cases bills will be paid on the same day if you've submitted your bill before 4pm. If you've submitted after 3pm, your bill will be paid next business day.

Note: It may take up to 3 business days for this to be reflected on your billers account. This depends on your biller and their processes.

How many split repayments will I need to make? faq dropdown arrow

The number of split payments are determined by the value of your bill.

• If your bill is less than $300, your bill will be split into 3 repayments.
• If your bill is more than $300, your bill will be split into 4 repayments.

You currently cannot change the number of splits you are able to make and your bills will be auto split based on the rule above.

Note: Minimum value of bills are $100

Can I use Bill Split and Wage Advance at the same time? faq dropdown arrow

Yes, if you are eligible, you will be able to use our Wage Advance and Bill Split features at the same time. This makes it easier to budget and get the money you need to cover your expenses. With wage advance, you can get up to $2,000 of your wage before payday, giving you your money when you need it most.

Note: Please remember in this case, both will be due on your next payday.

How many bills can I split at a time? faq dropdown arrow

Only 1 bill can be split at a time. If your bill amount is less than what you are eligible for, the remaining amount on your bill will be unusable. You may try again once the current bill is paid. If you’re needing help with more than one bill, consider using our wage advance feature in tandem with bill split. You can also make bills more manageable by tackling your largest bill with bill split first.

Will I get a receipt for my bill payment? faq dropdown arrow

Yes! Once we have paid your bill for you, this will be reflected in your app and you will also be emailed. This helps you keep track of your bills and ensure you have records of all your transactions.

Why did the bill payment get rejected? faq dropdown arrow

This can happen if you have not entered in the exact amount due to your biller. If this happens, please contact us immediately at support@wagetap.com. Our team will refund any repayments that may have been made prior to receiving rejection advice from the biller.

Wage Advance

How does wage advance work? faq dropdown arrow

It's simple, you cash out your pay early and repay on your next pay day. Just submit your request, and we’ll process it right away. Then, we’ll instantly send it to your account so you can pay your debts and expenses.

How often can I withdraw? faq dropdown arrow

You can withdraw once every pay cycle. For eg., if you are paid monthly, you will be able to withdraw once every month. Once you have successfully repaid your withdrawal on payday, you can start withdrawing again. The activity section of your app will show you details of your repayment date and status. If your payment situation changes, you can update it. This way you can get your wage advance when you need it most.

How much can I withdraw? faq dropdown arrow

You will be able to withdraw up to $2,000 based on your eligibility. If you’d like to withdraw less, you can easily do so. Just enter the amount and wait for the money to hit your account.

How much does it cost to make a withdrawal? faq dropdown arrow

Each transaction has a 5% withdrawal fee and an interest fee of 24% p.a. That means if you withdraw $100, your withdrawal fee will be $5. The processing fee depends on the size of the loan and when you repay your loan. This can vary but is typically between 40c to 90c. There are no hidden fees or late fees.

Can I get my funds instantly? faq dropdown arrow

Yes, you should receive your funds instantly. Most withdrawals take minutes to become available. In some rare circumstances, it may take up to 24 hours to hit your account. This is due to the configuration of the banking provider.

Why haven't I met the eligibility criteria? faq dropdown arrow

Before you can make a withdrawal with us, we check that you meet our eligibility criteria to ensure that we are lending responsibly. If you are not eligible this time, this could be for a few reasons.

Here are the most common reasons:

• You have not connected a transacting account that your wages are deposited into. (A transacting account is an account that allows direct debits. We need this so we can process repayments.)
• You don't meet the minimum income requirement ($800/month)
• Your wages are not paid by your employer's payroll (not as bank transfers).
• Your Centrelink payments make up more than 50% of you wages. (We also don't accept other government payments such as pension payments as wages)
• Your wages are not consistent, meaning you aren't consistently paid weekly, fortnightly or monthly.
• You have too many gambling expenses on your account.
• You have too many dishonour fees on your account.
• You have too many payment reversals on your account.
• Your recent expenses and repayment history have not passed our eligibility criteria.

I’ve made withdrawals before, why can’t I make another one? faq dropdown arrow

Even though you've made a withdrawal with us in the past, this doesn't guarantee you'll be able to make one in the future - this is dependent on meeting our eligibility criteria.

This can happen if there are changes to your circumstances. If you’ve made withdrawals before and you no longer can make sure to check our eligibility criteria. If you’re still running into issues, be sure to get in touch with our support team.

How can I become eligible? faq dropdown arrow

If you haven't met our eligibility criteria this time, you can definitely try after your next payday. Don't worry, we'll let you know when you're eligible. We recheck eligibility on a regular basis. If you have any questions about our eligibility criteria, feel free to reach out.

Download Wagetap today