Council Rates

Need Help Paying Your Council Rates Bill?

Wagetap has Two Ways to Help You!

Fast Cash or Split Your Bill into 4 Equal Payments with Our App

Paying your council rates can be difficult, especially if you’re coming up short on funds for your payment. Missing your bill can lead to late fees and unnecessary added stress. Fortunately, Wagetap has a solution to help ease the financial burden. With our app, you can get cash fast using our wage advance feature or split your bill up into more manageable payments. Learn how our app works below and download Wagetap today to get help with your monthly bills.

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How it Works

Two Ways We Can Help:

Wage Advance

Instant Cash to Pay Your Bill

We give you two convenient options for paying your council rates bill. The first is wage advance, which allows you to borrow up to $500 of your wage before payday. This can give you some breathing room, allowing you to cover part of your council rates bill, along with any other expenses you need help with that month. Once payday comes around, you’ll get the rest of your wage. It’s that simple!

Bill Split

Spread Your Rates into a Stress-free Payment Plan

If you’d prefer to spread your council rates out, Wagetap offers our split bill feature. With this feature, you can split your bill up into a stress-free payment plan and cover up to $600 of your bill upfront. If you borrow less than $300 to cover your bill, your payment plan consists of three equal payments that coincide with your upcoming paydays. Borrowing over $300 will split your bill up into four payments. Of course, you can always pay early if you wish.

What Do the Charges and Fees Include?

Council rates are often charged to property owners twice per year, usually around the months of January and July. When you cover your council rates with Wagetap, your charges and fees will be going toward services such as: - Roads - Public transport - Waste collection - Parks and recreation spaces - Community facilities - Libraries With Wagetap, this bill can be split up and paid throughout the year, making it much more manageable than a lump-sum payment.

Eligibility Requirements for Council Rates Assistance

Wagetap does have certain criteria that qualify you to utilise our financial assistance. Keep in mind that eligibility isn’t permanent. You may lose access to our features if your eligibility status changes. Feel free to reach out if you have questions about your eligibility.

Here are the eligibility requirements that need to be met:

A connected account that allows direct debit transactions

A minimum income of $800/month

Wages paid by an employer payroll

Consistent wages on a weekly, fortnightly or monthly basis

You may also lose eligibility if:

More than 50% of your wage is from sources such as Centrelink and other government payments

You have too many gambling expenses

You have too many dishonour fees

You have too many payment reversals

Your recent expenses and repayment history have not passed our eligibility criteria.

We frequently reassess your eligibility to ensure you’re still able to borrow and use our features.

Download Our App to Get Started!

Ready to get your bills under control and feel more financially secure? Wagetap is easy to use and setting up your account takes just minutes. Once you’re verified, you’ll get instant access to our wage advance and split bill features. No more worrying about the council rates bill coming and not having the funds you need to cover it. Wagetap is here to help with your council rates bill, electric bill, water bill and all of your necessary expenses. Download Wagetap today from the Apple App Store or the Google Play Store to get started!

It’s Like Buy Now Pay Later But for Your Council Rates

If you’ve used buy now pay later features for shopping, then you’ll be very familiar with how our split bill feature works. The only difference is you’re covering your necessary bills instead of shopping expenses. Of course, if you need a little extra money for grocery or shopping expenses, you could always utilise our wage advance feature instead and use your money toward the things you need most.

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Bill Split

What is Bill Split? faq dropdown arrow

Bill Split is our newest feature! We cover your bill, and you repay in smaller installments aligned to your payday. Instead of worrying about not having enough money for a bill, just let us pay it for you. Paying us back with smaller payments is much easier than dealing with a late bill. It's that simple.

How does Bill Split work? faq dropdown arrow

Bill Split is easy to use! First, you just need to connect your accounts. Then you can Bill Split in 3 easy steps:

1. Add a bill within your eligibility limit
2. We cover your bill for you
3. You make smaller repayments aligned to your payday.

How much does it cost to Bill Split? faq dropdown arrow

5% that's it. For example: when you split a $100 bill, we will charge $5. This is added to your first repayment. There are no interest or late fees.

How much of my bill can I pay with Wagetap? faq dropdown arrow

Currently, we only allow full bill payments. For example, if you're eligible for bills up to $200, your total bill will need to be less than this amount. If your bill is $250, you won't be able to split this bill.

What affects my eligibility to use Bill Split? faq dropdown arrow

Before you can split a bill with us, we check that you meet our eligibility criteria to ensure that we are lending responsibly. If you are not eligible this time, this could be for a few reasons.

Here are the most common reasons:

• You have not connected a transacting account that your wages are deposited. (A transacting account is an account that allows direct debits. We need this so we can process repayments.)
• You don't meet the minimum income requirement ($800/month)
• Your wages are not paid by your employer's payroll (not as bank transfers).
• Centrelink makes up more than 50% of your wages. (We also don't accept other government payments such as pension payments as wages)
• Your wages are not consistent, meaning you aren't consistently paid weekly, fortnightly or monthly.
• You have too many gambling expenses on your account.
• You have too many dishonour fees on your account.
• You have too many payment reversals on your account.
• Your recent expenses and repayment history have not passed our eligibility criteria.

We run our eligibility criteria frequently and reassess your account's eligibility. This means, even if you have taken a loan with us previously, this does not guarantee you'll be able to make another loan with us and will be subject to passing our eligibility criteria.

How long will it take for my bill to be paid? faq dropdown arrow

In most cases bills will be paid on the same day if you've submitted your bill before 4pm. If you've submitted after 3pm, your bill will be paid next business day.

Note: It may take up to 3 business days for this to be reflected on your billers account. This depends on your biller and their processes.

How many split repayments will I need to make? faq dropdown arrow

The number of split payments are determined by the value of your bill.

• If your bill is less than $300, your bill will be split into 3 repayments.
• If your bill is more than $300, your bill will be split into 4 repayments.

You currently cannot change the number of splits you are able to make and your bills will be auto split based on the rule above.

Note: Minimum value of bills are $100

Can I use Bill Split and Wage Advance at the same time? faq dropdown arrow

Yes, if you are eligible, you will be able to use our Wage Advance and Bill Split features at the same time. This makes it easier to budget and get the money you need to cover your expenses. With wage advance, you can get up to $2,000 of your wage before payday, giving you your money when you need it most.

Note: Please remember in this case, both will be due on your next payday.

How many bills can I split at a time? faq dropdown arrow

Only 1 bill can be split at a time. If your bill amount is less than what you are eligible for, the remaining amount on your bill will be unusable. You may try again once the current bill is paid. If you’re needing help with more than one bill, consider using our wage advance feature in tandem with bill split. You can also make bills more manageable by tackling your largest bill with bill split first.

Will I get a receipt for my bill payment? faq dropdown arrow

Yes! Once we have paid your bill for you, this will be reflected in your app and you will also be emailed. This helps you keep track of your bills and ensure you have records of all your transactions.

Why did the bill payment get rejected? faq dropdown arrow

This can happen if you have not entered in the exact amount due to your biller. If this happens, please contact us immediately at support@wagetap.com. Our team will refund any repayments that may have been made prior to receiving rejection advice from the biller.

Wage Advance

How does wage advance work? faq dropdown arrow

It's simple, you cash out your pay early and repay on your next pay day. Just submit your request, and we’ll process it right away. Then, we’ll instantly send it to your account so you can pay your debts and expenses.

How often can I withdraw? faq dropdown arrow

You can withdraw once every pay cycle. For eg., if you are paid monthly, you will be able to withdraw once every month. Once you have successfully repaid your withdrawal on payday, you can start withdrawing again. The activity section of your app will show you details of your repayment date and status. If your payment situation changes, you can update it. This way you can get your wage advance when you need it most.

How much can I withdraw? faq dropdown arrow

You will be able to withdraw up to $2,000 based on your eligibility. If you’d like to withdraw less, you can easily do so. Just enter the amount and wait for the money to hit your account.

How much does it cost to make a withdrawal? faq dropdown arrow

Each transaction has a 5% withdrawal fee and an interest fee of 24% p.a. That means if you withdraw $100, your withdrawal fee will be $5. The processing fee depends on the size of the loan and when you repay your loan. This can vary but is typically between 40c to 90c. There are no hidden fees or late fees.

Can I get my funds instantly? faq dropdown arrow

Yes, you should receive your funds instantly. Most withdrawals take minutes to become available. In some rare circumstances, it may take up to 24 hours to hit your account. This is due to the configuration of the banking provider.

Why haven't I met the eligibility criteria? faq dropdown arrow

Before you can make a withdrawal with us, we check that you meet our eligibility criteria to ensure that we are lending responsibly. If you are not eligible this time, this could be for a few reasons.

Here are the most common reasons:

• You have not connected a transacting account that your wages are deposited into. (A transacting account is an account that allows direct debits. We need this so we can process repayments.)
• You don't meet the minimum income requirement ($800/month)
• Your wages are not paid by your employer's payroll (not as bank transfers).
• Your Centrelink payments make up more than 50% of you wages. (We also don't accept other government payments such as pension payments as wages)
• Your wages are not consistent, meaning you aren't consistently paid weekly, fortnightly or monthly.
• You have too many gambling expenses on your account.
• You have too many dishonour fees on your account.
• You have too many payment reversals on your account.
• Your recent expenses and repayment history have not passed our eligibility criteria.

I’ve made withdrawals before, why can’t I make another one? faq dropdown arrow

Even though you've made a withdrawal with us in the past, this doesn't guarantee you'll be able to make one in the future - this is dependent on meeting our eligibility criteria.

This can happen if there are changes to your circumstances. If you’ve made withdrawals before and you no longer can make sure to check our eligibility criteria. If you’re still running into issues, be sure to get in touch with our support team.

How can I become eligible? faq dropdown arrow

If you haven't met our eligibility criteria this time, you can definitely try after your next payday. Don't worry, we'll let you know when you're eligible. We recheck eligibility on a regular basis. If you have any questions about our eligibility criteria, feel free to reach out.

Download Wagetap today