Comparison

Apple Wallet vs Virtual Pag

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Apple Wallet

Securely store and manage digital versions of your credit/debit cards, IDs, transit passes, tickets, and keys. Use it to make payments, send money, and access venues and transportation with your iPhone or Apple Watch.

Highlights
  • Store credit/debit cards
  • Digital driver's license/state ID
  • Transit and event tickets
  • Digital keys for car, home, hotel
  • Secure contactless payments
  • Send and receive money
Features
Read full description

The Wallet app lives right on your iPhone. It’s where you securely keep your credit and debit cards, eligible driver’s license or state ID, transit cards, keys, event tickets, and more — all in one place. And it all works with iPhone or Apple Watch, so you can take less with you but always bring more. Apple Pay Apple Pay is an easy, secure way to pay in stores or online.1 Pay for a ride, a pizza, or even a new sofa — with Touch ID or Face ID. Apple Card Apple Card is the credit card created by Apple. You earn up to 3% unlimited Daily Cash back on every purchase every day, and it’s designed with all the privacy and security you’d expect from Apple. You can apply in as little as minute with no impact to your credit score.2 Apple Cash Apple Cash is an easy and secure way to send and receive money in Messages or Wallet.3 And because it’s a digital card that lives in Wallet, you can use it to make purchases in stores, online, or in apps with Apple Pay. With Tap to Cash, you can send and receive Apple Cash simply by holding your iPhone near someone else’s iPhone — without having to share phone numbers. Driver’s License and State ID Add your eligible driver’s license or state ID to Wallet, and with just a tap of your iPhone or Apple Watch you can present your ID without handing over your device.4 The security of Face ID and Touch ID means only you can present your ID. Boarding Passes After you add your airline passes to Wallet, just show up at your gate and easily present your pass directly from your lock screen. And receive timely flight information and notifications along the way.5 Transit Set your card to Express Mode, then just tap and hop on to ride the next train or bus.5 Breeze through the turnstiles by holding your iPhone or Apple Watch to the reader. Sports & Live Events With Wallet, your tickets are always at the ready. Enter a concert venue, sports stadium or festival with just your iPhone or Apple Watch.5 Tickets in Apple Wallet now bring fans a richer experience including venue maps, recommended Apple Music playlists, and more. Keys Store keys to your car, home, workplace, and hotel room in Wallet.5 Unlock doors with just a tap of your iPhone or Apple Watch, and securely share keys in Wallet through messaging apps, including Messages, Mail, and more. Loyalty and Rewards Add your favorite coffee shop, drugstore, or retail rewards cards to Wallet, and next time you’re at checkout, just tap and pay to receive and redeem rewards.5 1 Apple Pay is a service provided by Apple Payments Services LLC, a subsidiary of Apple Inc. Neither Apple Inc. nor Apple Payments Services LLC is a bank. Any card used in Apple Pay is offered by the card issuer. 2 Accepting an Apple Card after your application is approved will result in a hard inquiry, which may impact your credit score. To access and use all Apple Card features and products available only to Apple Card users, you must add Apple Card to Wallet on an iPhone or iPad that supports and has the latest version of iOS or iPadOS. Apple Card is subject to credit approval, available only for qualifying applicants in the United States, and issued by Goldman Sachs Bank USA, Salt Lake City Branch. 3 Apple Cash services are provided by Green Dot Bank. Member FDIC. Apple Payments Services LLC, a subsidiary of Apple Inc., is a service provider of Green Dot Bank for Apple Cash accounts. Neither Apple Inc. nor Apple Payments Services LLC is a bank. To learn more about the  Terms and Conditions visit https://applecash.greendot.com/termsconditions. Only available in the U.S. on eligible devices. 4 ID cards in Wallet are currently available for use in select states at select TSA checkpoints. ID verifier is available at select merchants. Requires eligible device and OS version. See apple.com/wallet for details. 5 Only available with select partners and locations, and requires eligible device and OS version. See apple.com/wallet for details.

About

Virtual Pag

Access your Pag-IBIG Fund records, including savings and loans, directly from your mobile device. Make online payments, apply for short-term loans, and monitor your loan status with ease.

Highlights
  • View savings and MP2 records
  • Monitor loan balances
  • Track payments
  • Apply for short-term loans
  • Online payment options
  • Check loan status
Features
Read full description

The official mobile app of Pag-IBIG Fund The Virtual Pag-IBIG Mobile App lets you instantly view your Pag-IBIG records, pay online, apply for a short-term loan, and know your loan status – all on your phone or tablet! Enjoy the convenience of easy access with the Virtual Pag-IBIG Mobile App. Install now to feel Pag-IBIG everywhere you go! VIEW YOUR RECORDS • Check your Regular Savings • See your Modified Pag-IBIG 2 (MP2) grow • Monitor annual dividends earned by your Pag-IBIG Regular Savings and MP2 Savings • Track your payments and check the outstanding balance of your loans anytime For more information, go to www.pagibigfund.gov.ph, call 8Pag-IBIG or (02) 8724-4242, or send an e-mail to contactus@pagibigfundgov.ph.

Screenshots

Apple Wallet4 screens
Virtual Pag4 screens

Verdict

The call

The clearest difference is review sentiment: Apple Wallet at 54% against Virtual Pag's 0%. Apple Wallet also leads on rating (4.8 vs 2.8) and ratings volume (7.4M vs 13). On price, update cadence, ads and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Apple Wallet holds the better App Store score, 4.8 against 2.8. That said, the two scores are not equally well evidenced: Apple Wallet has 7.4M ratings behind it against 13, so its average is the more settled of the two. Written reviews point the same way: 54% of Apple Wallet's written reviews are positive against 0% of Virtual Pag's.

UpkeepUpdate frequency

Apple Wallet ships an update every 3 months, Virtual Pag every 2 months. The most recent releases landed on September 24, 2026 and August 7, 2026 respectively.

Scorecard4 real differences · 6 level
Apple Wallet versus Virtual Pag: the parameters behind the verdict, then further details
ParameterApple WalletVirtual Pag
PriceFreeFree
Rating4.8 (7.4M ratings) — better2.8 (13 ratings)
Positive reviews53.5% of reviews — better0.0% of reviews
Number of ratings7.4M — better13
Update frequencyEvery 3 monthsEvery 2 months — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPod, Apple WatchiPhone, iPad, iPod
Requires iOS10.0 — better13.1
Further details — not scored
Size9 MB132 MB
Age rating4+4+
DeveloperApplePag-IBIG Fund

Customer experience

Apple Wallet

All ratings7,410,534 ratings
Positive94.3%
Neutral1.5%
Negative4.2%
Written reviews9,018 reviews
Positive53.5%
Neutral5.5%
Negative41.0%

Virtual Pag

All ratings13 ratings
Positive38.5%
Neutral7.7%
Negative53.8%
Written reviews11 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

Bugs and requests

Apple Wallet

Reported bugs

4 issues
  • Card adding/removal issues
  • Transactions not properly recorded
  • Face ID/Touch ID failures
  • Wallet app freezing or not responding

Requested features

5 requests
  • Add ability to add loyalty/membership cards
  • Improve card detection and adding process
  • Provide better transaction history and categorization
  • Allow customization of card names and images
  • Expand support for international features (e.g. Presto card)

Virtual Pag

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Apple Wallet

No in-app purchases

None

Virtual Pag

No in-app purchases

Questions

Is Apple Wallet free?
Apple Wallet is free to download, with no in-app purchases.
Is Virtual Pag free?
Virtual Pag is free to download, with no in-app purchases.
Which has better reviews, Apple Wallet or Virtual Pag?
Apple Wallet is rated higher. Apple Wallet averages 4.8 out of 5 from 7.4M ratings, while Virtual Pag averages 2.8 from 13 ratings.
Do Apple Wallet or Virtual Pag have ads?
Neither Apple Wallet nor Virtual Pag shows ads.
Which is updated more often, Apple Wallet or Virtual Pag?
Apple Wallet ships an update every 3 months, and Virtual Pag every 2 months. Most recently, Apple Wallet was updated on September 24, 2026 and Virtual Pag on August 7, 2026.

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