How a chatbot can simplify your financial life

Smart money management starts with knowing all your options. There are many financial tools that can make your life easier, including ones that are accessible online.

MIA (Metrobank Interactive Assistant) is available 24/7 through Facebook Messenger. You can access financial services instantly through simple conversations, anytime you need them.

Here’s what you need to know about these tools.

Help you with PayNow transactions

Need to move money fast? Your phone can handle that now.

MIA can send up to PHP 50,000 daily from your credit card to any bank account or e-wallet. You can also convert loyalty points to cash credit or redeem rewards without calling anyone.

The security works like mobile banking—your 16-digit card number plus an OTP sent to your phone. So, while it feels casual like texting, your money has full protection.

Having multiple ways to access and move funds gives you better control over your cash flow. When you understand all your transfer options, you can make smarter decisions about which accounts to use and how to handle unexpected expenses.

Handle banking tasks yourself

You can manage most banking tasks yourself now, giving you full control without waiting for customer service.

Through MIA, you can:

• Track your spending and payment due dates in real-time
• Check available credit before making large purchases
• Research and redeem the best value from your points
• Avail of *insurance products from AXA

When you can handle these tasks yourself, you develop better awareness of your financial position. You also save time that you can spend on higher-value financial activities.

*Insurance is a product of AXA Philippines. This is not guaranteed by Metrobank or insured by PDIC.

Get banking help anytime you think of it

Modern banking makes financial management easier. You can get information and complete transactions whenever you need them.

MIA responds instantly, whether it’s 3 a.m. on Sunday or during your lunch break on Wednesday. No waiting time, and no fixed business hours.

You can ask the same question three different ways if needed, and get patient explanations every time. Plus, you may make multiple requests in one conversation—check your balance, redeem rewards, and send money to someone without starting over.

When banking information is always accessible, you stay engaged with your accounts and make informed decisions. This builds the habit of checking before spending and staying aware of your financial position.

Try it yourself

If you have a Metrobank credit card, here’s how to get started:

1. Open Facebook Messenger and search “MIA of Metrobank Card“
2. Start a conversation by typing “Hi”
3. For PayNow transfers, you’ll need your 16-digit card number and OTP verification
4. If you’re a first-time user of PayNow, call (02) 88-700-702 to register your card

Pro tips:

• Use menu options when you’re not sure how to phrase requests
• Take screenshots of confirmations for your records
• Remember MIA can handle multiple requests in one conversation

Financial wellness is knowing what to do with your money and knowing the most efficient ways to manage it. Modern banking tools like chatbots are both convenient and educational—they help you become a more informed financial consumer.

For more tips on how to take charge of your finances, visit lifebanking.ph.

Disclaimer: This article is for informational purposes only and does not constitute financial advice. Financial decisions should be based on your own research and personal circumstances. Consider consulting with a qualified professional before making any financial decisions.