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CODE FIXED: Earn Avios on your July tax bill with Billhop via Amex or Visa/MC + special HFP reader offer!

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EDIT:  some people had issues using the h4psummer2019 code last week.  We have now fixed the issue, sorry for the inconvenience.

When HMRC stopped accepting personal credit cards for tax payments in January last year, it was a blow for many HFP readers who used the Inland Revenue to rack up a substantial number of miles and points.

Even a relatively small business like Head for Points has a chunky liability when you factor in our VAT payments, PAYE and my own personal tax and national insurance – over 70p of every £1 HFP receives goes to the Government.

There are still a few ways to earn miles and points when paying your 31st July self-assessment tax bill or August VAT bill.  One of these is Billhop.

Billhop pay bills on a credit cardWe have covered Billhop a couple of times and a lot of readers have used it.

Basically, Billhop pays your bills for you – directly into the bank account of the recipient – and charges your credit or charge card.  The transaction goes through as a purchase.  You earn miles and points and it counts towards spend bonuses such as the British Airways American Express 2-4-1 voucher.

It is an easy way of running up credit and charge card spending by paying your day-to-day bills or at this time of year paying your tax or VAT bill via your Amex card. This gives you a head start on triggering a sign-up bonus or your next British Airways American Express 241 voucher.

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

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 is an expensive way of earning miles or points.  It IS something that you will find useful if you are struggling to hit the ‘£3000 spend in 90 days for 10000 bonus points’ target on a new American Express Gold card for example, or need to pump up your spending towards your next 241 voucher.

This HFP article explains in step-by-step detail how to set up a Billhop account.

The company was founded in Stockholm in 2012 – where it has proven very popular with the frequent flyer community – and launched in the UK in 2016.  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 for the fee.

Exclusive reader offer for Mastercard and Visa transactions

Billhop is currently offering our readers a lower charge of just 2.25% when using a Mastercard or Visa when making a payment.

This special offer is for new and existing customers and runs until 31st August 2019.

This would work best if you were looking to hit the spend target on, say, the IHG Rewards Club Premium Mastercard which gives you a free night voucher for spending £10,000.

You need to use the code h4psummer2019 in order to benefit from the lower charge. Existing customers can enter the promo code under ‘Settings’ whilst new customers can enter the same promo code during the registration process under the ‘How did you find out about Billhop’ section.

The code only works on desktop.  You cannot use it on the mobile app.

Unfortunately, there is no reader discount on American Express transactions due to the higher charges imposed on Billhop by Amex.  If you are looking to make very large payments, however, you can often negotiate a deal if you contact them directly.

Amex also insists that Billhop payments are to ‘proper’ organisations.  You cannot send Billhop a bill to pay an individual for, say, cleaning or piano lessons via Amex.  It is totally acceptable to us Amex to pay HMRC, your council tax, a car dealership etc.  There are no restrictions on who can be paid by Visa or Mastercard as long as an invoice is supplied.

What else?

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.

If you are self employed, Billhop is even better value as their fee is obviously tax deductible.

Even if you don’t want to pay your tax bill this month, it is worth signing up so that you don’t forget about it and to receive news of special offers and other promotions.

The Billhop homepage is here if you want to sign up.  You need to move quickly if you want to pay your 31st July tax bill!

(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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Comments

  1. the greek says:

    Don’t do it and save 30k other than that don’t see how you can pay by bank transfer and earn anything

  2. Crafty says:

    Revolut.

  3. OT:

    I’m flying from LHR T3 tomorrow in Club Europe. Keen to try the Cathay Pacific Business lounge.

    Online it looks like all oneworld pax flying business are able to use the lounge. Has anyone had any problems accessing this lounge when flying with BA?

    • Lady London says:

      Just turn up at the lounge and show your ticket.

      You light as well look in at thé Santad lounge as well. There is BA and AA there too. But CX and QF would be all I’d bother with unless i had a really long waiting time.

    • You’ll be fine. No-one outside our little world knows you can use it. Go and see how many mad people are in the BA F lounge vs Cathay F!

      • TGLoyalty says:

        I have to be honest I prefer it in the Cathay business lounge.

        But both are really quiet when BA is packed

      • Hi Rob will this work with a BA economy ticket and a BA silver card?

      • Lovely lounge – so much quieter than Galleries and a huge step up in quality. Would go as far as saying that it’s worth flying from T3 just for the lounge.

        • Shoestring says:

          I thought Cathay lounge was a bit past its sell-by date ie too dark & dismal & decor needed a refurb, though the food was good

          Did you try the Qantas lounge as well? Much better fresh fruit, veg, salads offering if that’s your thing + a great light & spacious layout

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