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Reminder: Pay HMRC taxes with your credit card via Billhop and earn points, even with Amex

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A quick reminder that, if you have a self-assessment tax bill due on 31st July – or, for small companies, your Q2 VAT bill – you can pay it via Billhop and earn miles and points.

Whilst HMRC will no longer take your personal credit card, Billhop can act as an intermediary, turning your card payment into a bank transfer. Whilst I am looking at HMRC payments here, essentially all bills can be paid with a credit card with Billhop – both personal and company invoices.

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. This will clearly impact when you choose to use it, although if you have an SME the fee will be tax deductible.

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 was founded in Stockholm in 2012 – where it has proven very popular with the frequent flyer community – and launched in the UK in 2017. We have been promoting it since it launched and many Head for Points readers have used it without any problems. Billhop never has access to your funds, apart from the fee.

Billhop is particularly useful if you are struggling to hit the ‘£3,000 spend in three months for 40,000 bonus points’ target on a new Marriott Bonvoy American Express card for example, or if you need to increase your spending towards your next British Airways American Express 2-4-1 voucher.

There are also clear benefits for SMEs, who can use Billhop to give themselves additional liquidity whilst they wait for invoices to be paid.

How Billhop works

You need to create an online account on the Billhop website here. The landing page is focused on HMRC payments but the system is the same for whatever bill you want to pay.

Once you are signed up, you can pay your tax bill, council tax bill etc using your credit or charge card. Simply give Billhop the bank account details 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 cards with Billhop for paying companies, HMRC, your council tax etc.

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.

When paying with a Mastercard or Visa, the recipient will receive their money within two days. For American Express, it takes four days. You receive an email when the money has been sent.

Conclusion

It’s worth doing the maths and considering using Billhop for any upcoming HMRC payments – or everyday bills and invoices – to help hit targets for credit card welcome bonuses and 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.

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