Do you keep forgetting bills in your e-mail inbox or under piles of paper on your desk? It's easy to lose track of bills – with unpleasant consequences such as reminders or late payment fees. But eBill helps you to keep track of everything as bills are sent directly to e-banking. The following questions and answers explain how you can use eBill for your personal finances.
Never forget a bill again: the 12 most important questions and answers on eBill
Failing to pay a bill on time means increased workload or even late payment fees. eBill ensures you keep your bills under control because they are sent directly to e-finance. It is very easy to take advantage of this option.
What is eBill?
eBill is a service that is provided in a standardized form by many Swiss financial institutions, such as PostFinance. As a successor to the previous e-billing system, eBill makes it easy to pay recurring bills, such as electricity, credit card or telephone bills, because with eBill they are sent directly to e-finance (i.e. the place from which you pay them). This service is free of charge for customers who use eBill to pay their bills.
What are the benefits of eBill when paying bills?
With eBill, you will never lose another bill, because they will be sent directly to your eBill inbox in e-finance. You’ll also save time compared to paper bills and e-mail bills: you no longer have to look for the bills or switch back and forth between printouts or e-mails and e-finance, let alone type out long reference numbers. All you have to do is approve the bills for payment and you can rest assured that amount will be transferred to the correct recipient. The “Notification” function ensures that you are informed via e-mail or push of every new bill that you receive from eBill. Another advantage of eBill is that you are guaranteed to receive no spam or advertising in e-finance. And last but not least, eBill is also good for the environment by doing away with paper invoices and reducing paper loss.
What do I need to do to use eBill?
- Activate eBill in e-finance via > Settings> Services
- Register once for the eBill platform in e-finance (note: currently possible only on PC)
- On the eBill platform, log in directly with invoice issuers (to do this, additional information such as customer numbers may have to be provided online depending on the invoice issuer)
- You will receive bills directly in e-finance (tip: it is best to set up the notification right away so you don't miss any bills)
- Decide when and via which account you want to pay the bills
- Accept or change the execution date
- Pay the bills with just a few clicks
- If necessary, save the documents with all the details
What do I need to do to use eBill?
It is currently only possible to activate eBill on the PC. Log in to e-finance in the usual way and register once for eBill by selecting the accounts you want to use and entering and confirming your address and e-mail address. You must also activate eBill if you used the previous e-billing solution. In both cases, this only takes a few minutes and is very simple. After activation, it is still currently advisable to use eBill on a PC rather than a smartphone, as all functions have been optimized for ease of use on the PC. Work is currently under way on optimization for smartphones
Which invoices can I pay via eBill?
All bills from currently over 3,000 invoice issuers in Switzerland that offer eBill. These include numerous health insurance companies, telecom providers and energy providers. As soon as you have activated eBill, you can choose from a list of invoice issuers and add those from whom you would like to receive invoices. The number of invoice issuers that offer eBill is growing rapidly.
What payment options do I have when I receive a bill in e-finance via eBill?
You approve the bill by clicking directly on the eBill tile.
You approve the bill with a few clicks from the invoice overview. In this case, the system automatically suggests your default account, the bill amount and the bill due date. But you can also adjust these individually.
You set up an individual standing approval for each invoice issuer and define the conditions under which the bill is paid automatically.
How do I even know that I have received a bill?
Ideally, you should have a message sent to you either via e-mail or push message on your smartphone as soon as a new bill arrives in your eBill inbox. You can see who sent the bill, the amount, and when it is due. This ensures you are always informed when you need to do something. You can set the notification in e-finance or in the PostFinance App.
How do I maintain an overview of bills I have already paid within eBill?
The bills remain as a pdf in your eBill inbox for 180 days. If you still need them later, you can download them from there and save them on your computer or print them out and store them in a folder.
How can I ensure that other people can also pay my bill in eBill – for example, other family members?
With the “Sharing” function, you can assign your eBill inbox to other people. To do this, the other person must also be registered with eBill and have accepted your invitation.
What exactly is the difference between eBill and direct debit?
When using direct debit, the invoice issuer debits your account directly; with eBill, you can choose whether to approve the payment individually or set a standing approval.
What if I am also using eBill with another bank?
It is easier if you always use the same e-mail address. This is the ID for your personal eBill inbox, which gives you access to all your bills in eBill.
What should I do if I have registered for eBill with an invoice issuer but am still receiving paper bills?
Invoice issuers need different amounts of time to switch from paper invoices to eBill. As PostFinance has no influence over this, please contact the invoice issuer directly in such cases.