Auto Charge or Auto Debit to Pay Your Bills

  • Bills & Payment
  • Bro
  • Postpaid
Feb 21, 2022

Auto Charge or Auto Debit is an automated payment option that allows Smart subscribers to conveniently pay for their Smart Postpaid bills automatically. 

To begin, Smart subscribers will have to directly enroll their Smart signature account with their banks. 

Read more to learn how to enroll through BDO, Metrobank, RCBC, Union Bank and EastWest banks.  

How to Enroll Smart to BDO Auto Charge

  1. Go to


  3. Login using your registered User ID and Password

  4. Under My Quick Links, select the Credit Cards Bills Payments icon

  5. Click Bills Payments at the top

  6. Select Auto Charge Arrangement

  7. Fill out the form and click submit

For more information, click here

How to Enroll in BDO Auto Charge via SMS

Type the following: 

AC<space>First Name<space>Last Name of subscriber<slash>First 6 Digits of Credit Card<slash>Last 4 Digits of Credit Card<slash>Cardholder Date of Birth as MMDDYY<slash>Merchant Name<slash>Subscriber Account Number
Example: AC Joy Ann Celeste/518869/1234/040390/Meralco/1234567891

Send to 225678*

Note: *This message is Free of charge


How to Enroll Auto Charge for Metrobank Cardholders

  1. Go to

  2. Log in your account details

  3. Accomplish the form and click on "Submit"

  4. Input the One-Time Pin (OTP) sent to your registered number

  5. Wait for the confirmation email that will be sent to you

How to Enroll Auto Charge for RCBC Cardholders

  1. Log in to the RCBC Online Banking App

  2. From the Bills Payment screen, select Manage Billers

  3. To add a new biller, click the “+” icon on the top right corner of the screen

  4. Choose Enroll Auto Charge Biller to automatically charge your monthly bill to your RCBC credit card

  5. Select Smart from the list of billers

  6. Input the details of the biller

  7. Enter the OTP sent to your registered mobile number

Once verified, you will receive a message saying that you have successfully enrolled Smart as a biller for Auto Charge.

For more information, click here:

How to Pay your Bills Through Union Bank Online

  1. Visit Unionbank Online at

  2. Click on "Pay Bills"

  3. Select "Biller" and choose your personal account in Union Bank from the list

  4. Click Manage Payment and select PLDT from the "Biller List" and enter your account and landline number

  5. Review the Payment details and submit to complete your transaction

How to Enroll Auto Charge for EastWest Cardholders

  1. Call EastWest's 24-hour customer service hotline at (+632)8888-1700

  2. Email to enroll your Smart bill in the Quick Bills Facility