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Mobile app review: Mobilligy

By Lance Davis · Bankrate.com
Thursday, May 29, 2014
Posted: 5 pm ET

App name: Mobilligymobile-blog-mobilligy-app

Publisher: Mobilligy Inc.

Price: Free

Available on: Apple iOS, Windows 8, Windows Phone and Kindle Fire, with a planned release for Android.

What's it supposed to do? It can be stressful keeping track of all your upcoming payments. Mobilligy aims to gather all your bills and put them together in one place, allowing you to "review, manage and pay your bills for free -- anytime, anywhere," according to its website. Basically, it helps you avoid late and overdraft fees by reminding you to make your payments.

Ease of use (5/5): Mobilligy breaks things into simple categories that make everything easy to find. To register, enter your phone number, create a password and then enter your ZIP code. After that, you’ll add any service that bills you and then add your sources of payment. Setting up accounts is a painless venture as long as you have your existing usernames and passwords handy. It usually takes less than a minute to sync an account. Once your accounts are set up, you're ready to pay your bills. To make a payment, select a bill and swipe down on your device. It's as simple as that.

Features (3/5): If you have a hard time remembering to pay your bills, Mobilligy has you covered. You can set the time and frequency of reminders the app sends when it's time to pay up. Mobilligy also features an extensive list of service providers and banks compared with other similar apps. Still, many smaller service providers and banks are left off the list. The app allows you to submit a request to add one, but there must be 15 people using the same bank or service before it will add the account details. For example, if you use a small bank or credit union that's not on Mobilligy's list, you won't be able to use that account to make payments from the phone until 14 others have registered for the same institution.

Effectiveness (4/5): Once you add all your accounts, Mobilligy does the rest. The "Upcoming Bills" tab keeps a list of all your upcoming payments and shows how many days are left until your bills are due. To pay a bill, tap one of your upcoming payments and simply slide down on your device. If you make a payment by mistake, you have 10 minutes to cancel the transaction.

Value (5/5): There aren't a whole lot of bells and whistles to Mobilligy, but the app achieves what it was made to do: aggregate your bills into one convenient location and remind you to make payments on time. And the app is completely free; it doesn't add any extra charges or fees when you make a payment.

Verdict (17/20) Excellent: The best thing about Mobilligy is that it doesn't have an identity crisis. It stays true to its mission and carries it out effectively. The app makes keeping track of your bills and making payments as simple as possible. While the lists of services and accounts don't include many smaller institutions, the app does feature more than other similar apps. It's easy to add your bills and accounts to Mobilligy, and the app does its darnedest to keep you from missing payments, and it should be a fine substitute for the defunct Manilla app.

It's an intuitive app topped off with great customer service. And when it comes to value, it's hard to beat free.

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