GrabPay Credits: 5 Effortless Ways To Budget Your Grab Rides For a More Seamless and Convenient Way of Commuting

Filipinos are naturally resourceful. We always find a way to make our lives easier. For example, if it’s flooded, we create a resourceful and creative way to get through the floods by using the pedicabs – a small pedal-operated “vehicle.”

Truthfully, as we become a web-centric world, everything is basically, a “tap” away – including booking for a ride. However, not everyone has the budget to maintain seamlessly commuting experience because of cash shortage!

Thankfully, Grab has provided a greater and more convenient way through cashless payments called GrabPay Credits!


GrabPay Credits is a cashless stored value option that allows you to load via a variety of widely available local funding sources to its GrabPay in-app mobile payment solution. Moreover, GrabPay Credits allows everyone to experience the convenience of cashless payments for a more seamless ride experience by easily loading up their balance through local banks, ATMs, and stores.

It was first launched in Indonesia and Singapore, and soon, GrabPay Credits will be available in all remaining countries across Southeast Asia, including the Philippines in the coming weeks.

As we all know, Southeast Asia is still a largely cash-based transaction economy. A large proportion of the region’s 620 million people remains unbanked, with the World Bank noting that only 27 percent have a bank account while only nine percent of adults have a credit card.  In line with Grab’s mission to make safe, affordable transportation accessible to everyone, the launch of its new proprietary method of cashless payment, GrabPay Credits, provides all consumers across the region with greater access to cashless payments for their daily commute.

READ: GRAB Launches Pre-paid Option with GrabPay Credits: Here’s a STEP by STEP Guide on How to Load

Tan Hooi Ling, Co-founder of Grab mentioned “We believe mastering cashless payments is critical to our mission of ‘driving Southeast Asia forward’ to improve people’s well-being and accelerate the move from cash to cashless. Grab wants to be the region’s leading payments platform and we believe we are uniquely well-placed to do so, as we are one of the most frequently used mobile platforms with 1.5 million daily bookings. Since launching GrabPay in January 2016, the convenience of cashless rides has been winning over more customers, as seen by our continuous double-digit growth, month-on-month. Grab is built on providing accessibility and safety to everyone, which has spurred our interest in offering GrabPay Credits to allow everyone, everywhere, the convenience of going cashless for more seamless rides.”

What and Where are the options to load? 

By enabling GrabPay Credits in the Philippines, you may load it at thousands of “loading” centers across the country. Here are the following options:

  •    Local ATMs including BDO, Chinabank, RCBC, Landbank, PNB, Security Bank and UCPB
  •    Bank Transfers from BDO, BPI, Metrobank, Chinabank, Landbank, RCBC, Unionbank, UCPB, Eastwest, PNB, Security Bank, RuralNet Bank, Maybank and Sterling Bank of Asia
  •    Popular e-Money accounts including GCash and Dragonpay
  •    Credit and debit cards
  •    Bill Payment Centers like Bayad Center, ECPay, LBC, Cebuana Lhuillier, M Lhuillier, Savemore Bills Payment, SM Bills Payment and Robinsons

Pre-paid load denominations

GrabPay Credits can be purchased at fixed denominations of Php 200, Php 500 and Php 1000 or a variable amount of Php 200 to Php 7,000. For safety and compliance reasons, GrabPay Credits can only be used for Grab rides from the country of purchase.

GrabPay Credits now allows us to extend the safety and convenience of going cashless to more of our passengers and drivers. Passengers no longer have to trouble themselves with fumbling for cash or waiting for change at the end of every ride, making the rides as simple as a hop-in and hop-out. At the same time, drivers can reduce the cash they carry with them and not worry about having the right amount of change while focusing on providing the best ride experience to our passengers,” said Brian Cu, Country Head of Grab Philippines.

Tan also added “through working with local banks, payment providers and merchants, Grab is building one of the region’s largest cashless payment solutions for people with limited access to the banking system. GrabPay now makes cashless payments available to almost everyone in Southeast Asia. We intend to continue building hyperlocal services region-wide, by Southeast Asians, for Southeast Asia.”

Now that we all know the basics, let us show you how it’s done. Are you ready? Here we go:

1. On the GrabPay menu, select “Top up credits.”

grab pay


2. On the Credits page, select the top-up value and the preferred payment method which will indicate the list of options available.


3. Follow the instructions for the particular payment method selected

4. Once the top-up is successful, a pop-up screen will appear with details of the transaction.

5. The Credits screen reflects the new total balance.


Isn’t that easy?

So, if you frequently use Grab as your alternative transportation, GrabPay Credits is the answer to your stress-free commuting experience!