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How to pay (almost) ANY bill with an Amex or other card, with Billhop

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A couple of Head for Points readers have contacted us recently suggesting that we take a look at Billhop as an easy way of running up credit and charge card spending by paying your day-to-day bills.  It does seem interesting and, for some HFP readers, it could be very useful indeed.

Registration with Billhop is freesee here – so you have nothing to lose by signing up and seeing how it works.

When it comes to paying bills your options are limited. Most companies want you to set up a direct debit or pay by bank transfer. Credit cards are rarely accepted (although some companies do take them quietly, even if they don’t mention it on their bills, eg Thames Water, Scottish Power).  American Express is very, very rarely accepted.

You have very little chance of paying your business suppliers or personal rent with a credit card.  (Although WeWork does let us pay the rent for the HFP office on an Amex!)

However there is finally a way around that.  Thanks to Billhop you can now pay almost any bill or invoice with any Amex, Visa or MasterCard card, have it treated as a purchase and earn reward points.

More importantly to HFP readers, payments made via Billhop will also count towards spend targets on American Express cards, either for a sign-up bonus or a spending bonus such as the British Airways American Express 2-4-1 voucher.

The only major exception is that you cannot use Billhop to pay instalments on loans, mortgages or credit card bills, ie anything paid to a financial services business.

Billhop pay bills on a credit card

Too good to be true?

If this sounds too good to be true, there is a catch – the service is not free.  There is a 2.95% charge on every payment you make, i.e. if you pay a bill of £100, you will pay £102.95 in total.

This means that, unless you also want the cashflow benefits of putting your bills onto a credit or charge card, this is an expensive way of earning miles or points.  It is something that you will find useful if you are struggling to hit the ‘£2000 spend in 90 days for 20000 bonus points’ target on a new American Express Gold card for example.

On the other hand remember that, if you run your own business and are paying company expenses, the Billhop fee is fully tax deductible.

About Billhop

Billhop was founded in Stockholm in 2012 – where it has proven very popular with the frequent flyer community – and has recently launched in the UK with plans to extend further in Europe in the current months.

The company is fully regulated in Sweden (which, under EU passporting rules, means they are regulated here as well) and, in any event, your money is fully protected because all payments are handled by an established bank.  Billhop never has access to your funds, apart from the fee.

How it works

You need to create an online account on the Billhop website here.

Once you are signed up, you can pay an individual person or a company using any credit card.

In order to find out how Billhop works, and how long it takes for a transaction to reach the account, we decided to give it a try.  As neither Rob nor I had any bills flying through the door, we decided that I’d transfer £200 into Rob’s account. (That’s another 200 Amex points for me).

Click ‘Get Started’ on the homepage and you will be taken to a page explaining how to use Billhop.  Click the ‘register your account now’ button.

On the next page you can choose whether you’d like to register as a company (with company number) or as an individual (with your date of birth).

Click on any of the images to enlarge:

homepage billhop

To create a personal account you need to fill out your details including email and postal address.  You can transfer up to £250 without providing any verified ID, but for money laundering reasons Billhop will need a scanned copy or picture of your passport before you can make larger payments.

On the dashboard you can see your past bills, scheduled bills and pay new bills with a few clicks.

How to make a payment

The payment process is very straight forward.

You enter the details on the left side of the screen including the date you would like the money to reach the recipient.  I set up a £200 payment to Rob:

pay billhop

Then click ‘add to payment’ and the payment will show on the left side. A field appears on the the right side where you can enter your card details.

As you can see, a service fee of 2.95% has been added to my £200:

payment card billhop

Then press ‘Pay’ and you’re done.

invoice paid confirmation billhop

Immediately after paying, you receive an email confirmation that the bill has been paid.

In theory, the recipient will receive the money within 6 days.  The money actually ended up reaching Rob’s account after 5 days and this included a weekend. The next day I received an email confirming my payment and my Billhop account also showed the payment.

billhop confirmed


Based on our own – admittedly simple – trial, and the experiences of the readers who have recommended the company to us in recent weeks, Billhop seems to be working as promised.

Billhop is not for everyone due to the 2.95% fee on every bill you pay.  However a lot of Head for Points readers will instantly see the potential for hitting a sign-up target on a new credit card or for triggering a spending target on an existing one.

If you have been putting off getting the British Airways American Express Premium Plus card, for example, because you felt you couldn’t spend £3,000 in 90 days to earn the 25,000 Avios sign-up bonus, Billhop can help.  The same goes for the big sign-up bonus on American Express Preferred Rewards Gold or American Express Platinum, both of which need £2,000 of spending within 90 days.

It you were struggling to hit your £10,000 of spending for your BA Amex 2-4-1 voucher towards the end of your card year, it may be worth making a rent payment via Billhop in order to push yourself over the line.  Paying, say, a £59 fee on a £2,000 payment (and earning 3,000 Avios back via Amex) is a far better deal than losing out on your 2-4-1 voucher.

If you have your own business, note that Billhop also works with companies – in fact, they see this as their core market – who can use the service to help with their working capital requirements.

The Billhop homepage is here if you want to give it a go.  Even if you don’t want to make a transfer immediately, it may be worth signing up so that you don’t forget about it and to receive news of special offers and other promotions.

Please let us have your feedback if you give it a try and we’ll do a follow-up in a couple of weeks.

(Want to earn more miles and points from credit cards?  Click here to visit our dedicated airline and hotel travel credit cards page or use the ‘Credit Cards Update’ link in the menu bar at the top of the page.)

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  1. Plastiq is a recommended alternative should you want to compare.

  2. O/T What should my next card be to earn avios,? have hit the £10k spend for my BA 2-4-1 and only cancelled my Amex gold two months ago. Partner has recently hit her 2-4-1 as well and still has a gold card so the supplementary option isn’t available.

  3. We’ve already got the Lloyds with a supplementary, will take a look at the SPG, didn’t know you can covert to Avios, we book all our hotels through for the rewards nights.

    • If you both do SPG you can get above 20K SPG, then they give you another 5K for free when transferring to air miles.

      (12K SPG for being referred + £1K spend, 5K for referring wife, she will also get 12K, netting 29K SPG that then converts to 34K Avios or many other providers that MR do not transfer into, like American airlines etc.).

      However transferring to Marriott may work out better, so very good value redemptions and it transfers at 3 to 1 SPG. Especially good in Asia, but found good option in USA as well). If you can get loads then the Travel packages are very good (over about 200K Marriott, ideally 270K marriott gets 7 nights cat 1 to 5 and 120,000 airmiles, basically works out a free hotel stay for 7 nights).

      • Just to add SPGs are free to transfer between accounts with the same address.

        • Would we still get the sign up bonus if we both already hold a BA Amex? ( and golds with in the last 6 months)

          • Yes, completely different card group (of one).
            I only used to collect airline points, but last holiday we had 10 nights free, five in a suite in Vancouver (paid with by SPG points transferred to Marriott)..

          • No, you would have to wait the six moths for new bonus. But you could be running the spa in the meantime, and keep,earning. It’s always advisable to slow the rotation down a bit, try to have a new card every 8- 10 months instead of 6. Our structure is one has the gold of plat, whilst the other has the bapp > bacc, with an spg alongside to balance it up. Then refer each other again.

          • Sorry Anthony, l meant. No to another gold or bapp bonus! Just saw you were asking about spg….

  4. Has anyone had any experience crediting a Nutmeg account? I’m thinking that it might be counted as a financial institution under the Amex rules but might be tempted to try a small amount…

  5. But does this mean we can pay everything by just paying the money to our own bank account then pay whatever we want using our debit cards/bank transfer?

    • Yes ….

    • Just paid my OH today into our own bank account so we can reach the 241 £10k next week. Then two bills are being paid. Def worth the £8 in fees…a great asset to reach bonus target, and get our pro rata refund sooner. Plus already prepaid our EEx2 and – couple of hundred into BT at the coop so this compliments the bonus or 241 target spend very nicely indeed. Thank you, guys..

      • the real harry1 says:

        definitely gives people more flexibility & obviously 241s & spend targets to hit bonus – sooner/ cut fcard feesgoing forward – are obvious uses where the means/ fees justify the ends – but some people seemed to get excited about MS and unless you can account for the costs elsewhere/ let the business absorb the fees this is a non-starter

        my Lloyds example at the thread start one of the best I feel, works out about £70 for an upgrade from WT+ to Business

        • Harry,
          Fully agree with your Lloyds example. For MS a total waste of cash unless it’s deductible. But in my case, timing was perfect. Get that cash back 1000 fold when booking our next F 241. Think people need to be smart and not get too excited about overusing this facility, but it has real positive uses, in time limited examples.

          On another note ROB, have you booked our Xmas party date yet? Or are you planning another, as last years was such a success.!

    • Steve, yes you can, but wouldn’t push it, unless you can absolutely justify the fees.

      OR more importantly, if Amex withdraw from the scheme, as we have seen happen elsewhere.

      See below. If the end justifies the means. But routinely most people can use Amex lots of places. And on line. Notice more and more l am given the pay pal option now when Amex is not accepted. Was amazed at how much l could use our Amex recently with the PP option. But it’s def a big plus to bill pay too. Will definitely do our council tax next year, as they resolutely refuse to issue a pay point card! Very annoying.

  6. Perhaps a stupid question, but how do you pay HMRC using Billhop? When I login and its shows my amount due I can’t see what sort code or account number I’d need to transfer to using Billhop.

  7. How can you succeed in paying your OH using Billhop? I just tried using it to pay my kids’ tennis coach and Billhop asked me for an invoice because they said remittance is not allowed. When you paid your OH, did Billhop ask for an invoice? 🙂

    • the real harry1 says:

      looks like Billhop had to stop ‘naked’ remittances pretty sharpish!

      doesn’t surprise me, rather close to various money laundering tricks otherwise

    • I had the same problem they didn’t mind taking the money before asking though I asked them for refund ASAP not Impressed

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