# BankCom Personal — user reviews > 65 indexed App Store user reviews of BankCom Personal by Bank of Commerce PH, rated 2.60/5 from 19 ratings. - Source: https://appshunter.io/ios/app/bankcom-personal/id1458685913/reviews - App overview in markdown: https://appshunter.io/ios/app/bankcom-personal/id1458685913.md - Rating breakdown: 5★ 4 · 4★ 1 · 3★ 3 · 2★ 6 · 1★ 5 ## Newest reviews (19 of 65) ### 2/5 — Need improvements *2026-06-28, version 5.10.0* Your transactions are not displayed in the app, only the outstanding balance and your amount consumed in total are visible not per transaction and what merchant which is cisible in almost all banks app but not in bankcom. Hoping they upgrade their app. ### 1/5 — Very Disappointing *2026-04-01, version 5.9.0* Very disappointing experience with the Bank of Commerce app. It’s extremely unreliable and frustrating to use. I keep getting “invalid transaction” errors even when all the details are correct. The OTP/PIN is also very slow, sometimes it’s delayed, and other times it doesn’t arrive at all. On top of that, logging in is a struggle because the app keeps showing errors even when the credentials are correct. Worse, the account suddenly gets locked without clear reason, which makes everything even more stressful. Instead of making transactions easier, this app just adds more hassle and inconvenience. I would not recommend relying on this for important transfers unless these issues are fixed. ### 1/5 — Gives an error when you need to do something important *2026-03-07, version 5.8.0* Everytime I try to do something important with my money, the app never fails to show an error message stating I can’t transfer money to my other account or pay bills. Jesus christ ### 1/5 — Worst *2026-01-22* I cant create otp to my account and everytime i use face id the app crashed! ### 3/5 — ALWAYS A HASSLE TO USE *2026-01-11, version 5.8.0* It is always “invalid transaction” almost every week atleast 2x times I am unable to transfer to my Gcash Account. Such a hassle especially when there are emergencies! ### 1/5 — cant open *2025-12-20, version 5.8.0* been using this app for a while and it went good before but now i cant seem to transfer my balance to gcash and it always says to turn on my mobile OTP even if it is turned on. I’ve tried deleting and reinstalling it multiple times as well as updated it couple of times but it still won’t work update: now i cant open my bank com app because it says that I have reached the maximum number of registered devices even if i only used this app on this phone and no other devices this happened after i updated it since it is required and i tried to login please fix this, so disappointing ### 2/5 — INCONVENIENT TO USE *2025-11-27, version 5.7.3* The app is somewhat inconvenient to use since you cannot see the transaction history, the pesonet is also costly unlike other mobile banking app, no QR available for pesonet transaction, I just hope BOC will do something to improve its app making this more user friendly ### 1/5 — Very Frustrating Bank!!! *2025-11-23, version 5.7.3* This Bank is very frustrating because what do you mean they are always under maintenance? It is not user-friendly and accessible. I am in an emergency and I can not even do online banking and can not even withdraw using the card!!! If you are going to do some maintenance or whatever please consider informing your users ahead so that they can withdraw or plan before the maintenance. ### 1/5 — OTP issues *2025-11-18, version 5.7.3* You have to key in OTP sent to your number. But most of the time, you will receive it after more than 5 minutes. There was even a time you’ll receive it the following day. How I wish our payroll account is with another bank. ### 2/5 — Inactive *2025-11-12, version 5.7.3* Keep on emailing me about my account being inactive yet most of the time bank com CIB have glitches especially when submitting OTP. I hope you can improve your APP and make it user friendly & at least appealing. ### 1/5 — C5 Pasig Bankcom *2025-11-08, version 5.7.3* Slow Slow Processing. I went to the branch to change my number since it was stolen and the new version requires a pin. I requested Monday and the woman from C5 branch told me that it will process for 2-3 days then Friday came and still haven’t changed my number so i follow-up just to know that she didn’t process my paper so she called the branch who can change my number and told me it will be processed within the day. Then it was Saturday upon checking it’s still the same number. I don’t know if it’s the Bankcom or the woman from the branch. She seems unserious and doesn’t want to help. I hope bankcom can act in this matter. Thank you ### 1/5 — Transaction should reflect in real time (edited) *2025-10-13, version 5.6.0* Every time i make purchased using my credit card, transaction doesn’t appear chronologically. I have to wait for SOA every 15th of the month, then that is the only time i will see all my transactions within cut off periods. I hope transactions appear in real time just like in savings account. So it will be easy to tract. (Edited) ### 1/5 — Worthless App *2025-10-06* I can’t even wrap my end around the fact that I cannot transfer money from m BOC foreign savings account to my PESO account. Ridiculous. Changed my password and suddenly the app just quits every time I log in. ### 2/5 — Keeps crashing *2025-08-26, version 5.5.5* Can’t access my account because the app keeps crashing when I’m about to check my account. Hope you can fix this very soon. ### 2/5 — Online banking *2025-08-14, version 5.5.5* Before this app is good and fast for online banking but for now it took an hour to open sometimes it can’t be open im doughting to used it for my online banking transaction scared of being gone my money if i used it hopefully it will fix .. ### 1/5 — I cant transfer money due to OTP not turned on *2025-06-08, version 5.5.4* I cant use the app when transferring money to my other account because it needed Mobile OTP turned on. So I turned it on, but it still gives me this error that it thinks it is turned off. I clicked resync OTP and the app just crashes. I restarted my phone and made sure to clear the apps cache, it still gives me “OTP needs to be on error”. I deleted the app and installed and it still gave me the same error. Can someone help me please ### 1/5 — App Stuck on White Screen – Won’t Load Despite Reinstalling *2025-06-07, version 5.5.4* The Bank of Commerce app unfortunately fails to load properly and gets stuck on a white screen displaying only the bank’s name. Despite multiple attempts to reinstall the app, the issue persists with no improvement. This makes it impossible to access any banking features or register an account. The problem appears to be ongoing and unresolved, causing significant inconvenience. Customer support has been difficult to reach or unresponsive based on other user reports. Hopefully, the developers will address this loading bug soon to restore usability. ### 2/5 — Transaction list does not display *2025-04-07, version 5.5.4* I recently downloaded this application and was looking forward to using it to manage my credit card transactions. Unfortunately, I have encountered an issue where the transaction list does not display. This feature is crucial for me to keep track of my spending. I hope this can be resolved in a future update. Thank you for your attention to this matter. ### 3/5 — App review *2025-04-01, version 5.5.4* UI needs remake. Credit card transaction(s) should appear at the history even if not real time. Also locking credit card feature should be added. ## Most critical reviews (10 lowest-rated) ### 1/5 — Useless app *2026-07-30, version 5.10.0* This app is incredibly frustrating. I’ve tried enrolling my account more than 10 times, and it keeps saying, “Unable to process account enrollment.” I’ve double-checked all my information, and everything is correct, but the app still won’t let me register. A banking app should make things easier, not waste customers’ time. Please fix this issue as soon as possible because it’s preventing users from accessing their accounts. Very disappointing experience. ### 1/5 — Total Wreck *2026-07-23* Tech Support totally Lack Of Experience and Knowledge about the App. The App NON-USER FRIENDLY simply because of the Tech Support behind the app. They Suck! ### 1/5 — SLOWEST APP ON MY PHONE *2026-07-18* I have no idea why a major financial institution can’t produce a banking app that actually loads under 20 minutes. I will eventually close this account and go to a different institution in the Philippines if this is the support the bank provides to its customers. ### 1/5 — MOBILE OTP *2026-07-16, version 5.10.0* I can’t turn it on, please help me to fix it😬 I using this device before and now after the update or reinstalling the app this is what happened, and it always shows “an error was encountered when trying to register device for mobile OTP. ### 1/5 — App updates and multiple errors regarding login and OTP *2026-07-13, version 5.10.0* The app frequently requests for updates but when you check the app store, there’s no update available. OTPs are often late despite good network reception. Same issue with the online website. ### 1/5 — OTP / Security Features *2026-06-15, version 5.10.0* While we understand that our account should be secured, with BOC, your account is too secured that the user cannot access its own account. Been calling BOC for 3 days already and my issue has not been resolved. I cannot access my account until now. ### 1/5 — Worthless App *2026-05-01* I can’t even wrap my end around the fact that I cannot transfer money from my BOC foreign savings account to my PESO account. Ridiculous. Changed my password and suddenly the app just quits every time I log in. Then my profile has basic info which doesn’t even have my address. So if I need to make an online purchase I have to first verify with BOC what my address on file is. ### 1/5 — Worst Banking App *2026-04-29, version 5.9.0* The OTP is so annoying to deal with. Other banking app does not require OTP to log in. It is very annoying to deal with. The OTP also has delay. If you failed to input on time, the app will not allow you to log in and require you to call customer service. So far, BOC mobile app is the worst banking app I have ever used. If not only due to my payroll, I will never use this bank ever again. Negative points. ### 1/5 — Cannot open the app *2026-04-22, version 5.9.0* What happened to this app so slow and cannot open no updates or what so disgusting . ### 1/5 — useless *2026-04-21, version 5.9.0* This is without question the most useless, pointless, worthless, ineffective, inept, incompetent, futile, non‑functional, impractical, broken, defective, unreliable, unhelpful, trivial, hollow, empty, toothless, impotent, laughable, pathetic, and redundant mobile banking app I have ever had the misfortune of downloading. Calling it a “banking app” is generous, because it completely fails at the one thing it’s supposed to do: work when you actually need it. Every critical moment—when you need to transfer money, check your balance, pay a bill, or confirm a transaction—this app magically becomes unavailable, unresponsive, stuck loading, or throwing vague error messages that explain absolutely nothing. When things are calm and you don’t need it, sure, it opens. But the second it matters? Gone. Useless. Dead weight. The interface feels clunky and poorly thought out, the performance is slow, and the reliability is practically nonexistent. What’s worse is the lack of proper feedback or meaningful error messages—just endless spinning, failures, and a complete waste of time. A banking app should provide confidence and accessibility; this one delivers stress, frustration, and disappointment. If you’re looking for an app you can depend on during emergencies or time‑sensitive situations, this is not it. It’s a masterclass in how not to design a critical service application. Honestly, it’s more of a liability than a tool, and I regret installing it at all. ## Most praised reviews (10 highest-rated) ### 5/5 — Thank you BankCom *2025-09-15* Thank you, Bank of Commerce, for making your app accessible to Filipinos living in the U.S. Now I can easily access my funds in the Philippines and transfer to GCash to continue paying my bills back home. ### 5/5 — IMPROVED *2024-06-07, version 5.5.0* Compared before, they improved it now! I am able to log in to my credit card account, thanks Bank of Commerce! ### 5/5 — theArchitect *2023-11-15, version 5.4.2* Simple user interface - easy to use. Fast transfer transaction with minimal cost. Very stable company/conglomerates. ### 5/5 — Finally *2020-09-07, version 2.1.8* Finally a mobile app. Thanks for this. For more convenient banking needs. ### 5/5 — Error *2020-08-25, version 2.1.5* I would like to report an error I encountered while using the online banking app in my iphone. I have tried transferring funds to other bank thru instapay but it was transferred via pesonet even though I am sure I set it to instapay. I’ve tried it couple more times but only succeeded 1 out of 2 instances. Hope you fix this. ### 4/5 — Update Version Concern *2022-10-18, version 4.7.1* Hello BOC! I can’t use the mobile app since you are requiring me to update to latest version. But no update button when I am trying to update the app (in app store). The latest version of mine is 4.7.1 , can you fix this for me? ### 4/5 — As stated *2022-05-05, version 4.6.8* This app used to work great. After update, the favorite function isn’t working anymore so you have to type all over again. ### 4/5 — Template error *2021-06-18, version 2.1.9* Hello. Id like to report a bug. When selecting to transfer from favorites, the app prompts template already exists when proceeding to transfer. Now my account have many hgggg and aasddss at my favorites. Hope this gets fixed. Thanks ### 4/5 — Temp already exist *2021-02-02, version 2.1.9* As I usually do before, doesn’t work anymore. Whenever I use my existing template for Fund Transfer, “Template Already Exists” always comes up. ### 4/5 — Finally! *2020-08-08, version 2.1.5* I have been waiting for this app for BOC. The app is actually good and user-friendly. However, I don’t know why but the templates for fund transfer doesn’t record at all, so I have to repeat all over again the details. Hope to have this fixed. But overall, this app is truly nice! --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-15.*