Bayad

Name: Bayad
Author: Bayad

2.3.2

Secure

Bayad

500K+ installs

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Your new BFF, helping you one pera transaction at a time! #YouCanBayadAll

Bayad: e-wallet for bills, load and sari-sari stores

By Mei-Lin Chua

Contributing editor, apps and storefronts

Pay bills from a Bayad wallet inside the app
Cash-in at Bayad Centers or online via UnionBank or BPI
Buy or send load for Smart, TNT, Globe and TM
Send money by scanning a QR code or entering a mobile number
Cash-out from the wallet at select Bayad Centers
Bayad Asenso: accept bill payments and e-loading for a sari-sari store

What Bayad is and who it suits

Bayad is a money app for everyday payments in the Philippines. You keep funds in a Bayad wallet and use it to pay bills, buy phone load and send money to other people. The listing's tagline leans on the idea of budgeting, but the features it names are about moving money and paying for things.

It suits people who want one app for routine payments. It also suits sari-sari store owners, who can use a separate part of the app, Bayad Asenso, to take bill payments and e-loading from customers. Several features depend on Bayad Centers, the physical outlets where you cash in and cash out, so the cash side only works if one is within reach.

Opening a wallet and adding money

You start by opening a Bayad wallet, then add money to it. The developer describes the wallet as safe and secure.

There are two ways to add money. You can cash in at a Bayad Center, which the listing says are available nationwide. You can also cash in online from a UnionBank account, a BPI account, or either one, according to the listing.

Paying bills and buying phone load

The bill payment feature lets you settle bills from the wallet without leaving the app. The developer presents it as a quick way to handle essential bills.

Load can be bought for Smart, TNT, Globe or TM, and it can also be sent to another number. The listing says this works at any time and from any location, across those four networks.

Sending money by QR code or mobile number

Transfers can be made by scanning a QR code or by using the recipient's mobile number. The developer says these methods make transfers faster; that is the developer's own claim.

Both options sit alongside the wallet, so a transfer is made from the balance you have added.

Cashing out at Bayad Centers

Money can be taken out of the wallet by cashing out at a Bayad Center. According to the listing, only select centers offer cash-out, so you will need to check which nearby outlets do before going.

Cash-in and cash-out are the two points where the app meets the physical network of Bayad Centers, which is why those outlets come up throughout the listing.

Bayad Asenso for sari-sari stores

Bayad Asenso is aimed at sari-sari store owners. It lets a store accept bill payments and prepaid e-loading from customers. The developer presents this as a way to grow the business.

Asenso is listed as part of the same app as the personal wallet features, so a store owner's use of it sits alongside their own payments.

What's new

Nov 3, 2026

QRPh is back and ready to make your everyday transactions easier!

You can now scan to pay, send money, or generate your own QR code again for fast & cashless payments. We've also improved app performance and fixed some bugs to make every transaction smoother.

Update now to enjoy a faster and more seamless Bayad experience!

About this APK

The build we hold is Bayad 2.3.2 (APK) for Android 8.0 and up.

Version: 2.3.2; 148
Requires Android: 8.0+
Size: 123 MB
Target Android: 16

Package ID: com.bayadcenter.bayad
Format: APK
Malware scan: Clean on 67 engines
Permissions: 21 declared · 6 sensitive; Camera
Microphone
Modify files on your device
Modify your contacts
Read files on your device
Read your contacts
Signed by: CN=Android, O=Google Inc.
Certificate SHA-256: 40bef4dfb9bca0a798d494bc25afed30395e7bb2cddfc29d3271cc8729db9c23