Maximise your Avios, air miles and hotel points

Earn miles and trigger credit card bonuses when you use Billhop to pay council tax and other bills

Links on Head for Points may pay us an affiliate commission. A list of partners is here.

This article has been sponsored by Billhop

Annual council tax bills have been coming through the post over the last couple of weeks, so we thought it would be a good time to remind readers how they can still earn miles or points on their council tax payments and many other expenditures with Billhop.

And, whilst it is the season for annual council tax bills, essentially all bills can be paid with a credit card with Billhop – both personal and company invoices.

We have covered Billhop before, as it’s an easy way of running up credit and charge card spending by paying your day-to-day bills via your Amex card. Only around 5% of household invoices (or business supplier invoices come to that) accept credit cards. However if you use Billhop, they can all be paid via a credit card.

How much does Billhop cost?

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.

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

Why use Billhop?

Billhop is particularly useful if you are struggling to hit the ‘£3,000 spend in 90 days for 20,000 bonus points’ target on a new American Express Gold card for example, or need to increase your spending towards your next British Airways American Express 2-4-1 voucher.

In the current lockdown climate, where many of us are either cutting back or simply spending less as we’re not leaving the house, using Billhop to pay a council tax bill could be helpful for triggering those bonuses.

There are also some clear benefits for SMEs. Whilst one of the main reasons individuals pay through Billhop is to achieve various credit card rewards, business owners are using the platform to help with active liquidity management

They find that incoming payments from customers might be delayed and sometimes suppliers require payment before releasing purchased goods.  Using Billhop means that any credit card can be used to pay any invoice. The service broadens the choice available to SMEs in today’s market where often traditional credit might not be available.

A bit about Billhop

Billhop was founded in Stockholm in 2012 – where it has proven very popular with the frequent flyer community – and launched in the UK in 2017.

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 Billhop works

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

Once you are signed up, you can pay your council tax bill using your American Express card. Simply give Billhop the bank account details for your council, and your payment reference, and they will make the payment on your behalf.

We need to mention that you cannot use Billhop to pay private individuals unless you have an invoice from that person for a service provided, such as music lessons.  With an invoice, Billhop is happy to make the payment via Visa or Mastercard.

American Express cannot be used to pay private individuals under any scenario, even if you have an invoice. You are perfectly fine to use American Express with Billhop for paying companies, HMRC, your council tax etc.

How to set up your Billhop account

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).

How does Billhop work

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 picture of your passport before you can make larger payments.

On the dashboard you can see your past bills and scheduled bills and pay new bills.

When paying with a Mastercard or Visa, the recipient will receive their money within 2 days. For American Express, it takes 4 days. When we tested the service previously using an American Express, the money actually arrived after 4 business days. You receive an email when the money has been sent.

In conclusion

Few of us are going to be making the big-ticket purchases such as holidays at the moment.  It’s definitely worth considering using Billhop for everyday bills and invoices to help hit targets for credit card welcome bonuses and BA Amex 2-4-1 vouchers.  The Billhop fee may well be a price worth paying if it means you don’t miss out.

The Billhop homepage is here if you want to sign up.


Want to earn more points from credit cards? – October 2021 update

If you are looking to apply for a new credit or charge card, here are our October 2021 recommendations based on the current sign-up bonus

You can see our full directory of all UK cards which earn airline or hotel points here.

The following offers will end soon:

  • 10,000 Avios on British Airways American Express (ends 2nd November)
  • 40,000 Avios on British Airways American Express Premium Plus (ends 2nd November)
  • 60,000 points on The Platinum Card from American Express (ends 2nd November)
  • 30,000 points on American Express Preferred Rewards Gold (ends 9th November)

Here are the top current deals:

British Airways BA Amex American Express card

British Airways American Express

10,000 Avios for signing up, no annual fee and an Economy 241 voucher for spending ….. Read our full review

British Airways BA Premium Plus American Express Amex credit card

British Airways American Express Premium Plus

40,000 Avios and the UK’s most valuable credit card perk – the 2-4-1 companion voucher Read our full review

Nectar American Express

American Express Preferred Rewards Gold

Your best beginner’s card – 30,000 points, FREE for a year & two airport lounge passes Read our full review

American Express Platinum card Amex

The Platinum Card from American Express

60,000 points and an unbeatable set of travel benefits – for a fee Read our full review

Earning miles and points from small business cards

If you are a sole trader or run a small company, you may also want to check out these offers.

American Express Business Gold

20,000 points sign-up bonus and free for a year Read our full review

Amex Platinum Business American Express

American Express Business Platinum

40,000 points sign-up bonus and a long list of travel benefits Read our full review

British Airways Accelerating Business American Express card

British Airways Accelerating Business American Express

60,000 Avios sign-up bonus – plus annual bonuses of up to 30,000 Avios Read our full review

Capital On Tap Business Rewards Visa

The most generous Avios Visa or Mastercard for a limited company Read our full review

For a non-American Express option, we also recommend the Barclaycard Select Cashback card for sole traders and small businesses. It is FREE and you receive 1% cashback on your spending:

Barclaycard Select Cashback Credit Card

1% cashback and no annual fee Read our full review

Comments (49)

  • Marco says:

    I just use my CURVE MasterCard to pay bill. It’s debit card, easy and free.

  • Roy says:

    What exactly is the limitation on paying private individuals through Billhop using an Amex? Does that mean I can’t pay invoices from sole traders, only limited companies? Or is it more subtle than that? Does it make a difference if the sole trader is VAT registered?

    I’m struggling to find mention of this on the Billhop web site…

    • Roy says:

      Ah, nm, found it:

      “And following the guidelines of American Express you can not make payments to financial institutions or payments to a private account with an Amex card.”

  • Dubious says:

    Whats my best route for paying down my mortgage when they accept Debit Card payments?
    I know my Tesco Debit Card won’t give me any benefit…and Curve seems to have closed down that route too. Any other alternatives?

  • Andrew Cadwallender says:

    Can I use bill hop to pay car pcp via Amex
    Any help appreciated

    • Rob says:

      If there is some sort of bill you can send to Billhop then, yes, it should be ok. It wouldn’t be automatic though, you would need to manually submit an invoice each month.

  • Nigel says:

    Used Billhop for the first time last week to pay for Council Tax via Amex. I can’t say I’m too thrilled with them. Whilst they kept the bank information correct, they’ve somehow done the magical thing of getting the recipient’s (council’s name) completely wrong. Hopefully shouldn’t affect the payment who knew Stevenage Borough Council is similar to London Wandsworth Borough Council!

The UK's biggest frequent flyer website uses cookies, which you can block via your browser settings. Continuing implies your consent to this policy. Our privacy policy is here.