# Apple Wallet vs Virtual Pag

The clearest difference is review sentiment: Apple Wallet at 54% against Virtual Pag's 0%. Apple Wallet also leads on rating (4.8 vs 2.9) and ratings volume (7.5M vs 14). On price, update cadence, ads and in-app purchases there is nothing between them.

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

Apple Wallet holds the better App Store score, 4.8 against 2.9. That said, the two scores are not equally well evidenced: Apple Wallet has 7.5M ratings behind it against 14, 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.

Apple Wallet ships an update every 3 months, Virtual Pag every 2 months. The most recent releases landed on November 8, 2026 and November 3, 2026 respectively.

## The numbers

| Metric | Apple Wallet | Virtual Pag |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (7.5M ratings)](https://appshunter.io/ios/app/apple-wallet/id1160481993/reviews)** | [2.9 (14 ratings)](https://appshunter.io/ios/app/virtual-pag-ibig/id6444034285/reviews) |
| Number of ratings | **7.5M** | 14 |
| Positive reviews | **54.0% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 2 months** |
| Monetization | Free | Free |
| Size | 9 MB | 147 MB |
| Requires iOS | **10.0** | 14.0 |
| Devices | iPhone, iPod, Apple Watch | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Apple](https://appshunter.io/developer/284417353) | [Pag-IBIG Fund](https://appshunter.io/developer/1651750152) |

## What reviewers say

### Apple Wallet

[App page](https://appshunter.io/ios/app/apple-wallet/id1160481993)

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:** Apple Watch app

**In-app purchases:** none

**What reviewers like**

- 🚀 Convenient and easy to use
- 🔒 Secure with Face ID/Touch ID
- 💳 Integrates credit/debit cards well
- 🎟️ Stores tickets and passes
- 🏠 Stores digital keys and IDs

**What reviewers complain about**

- 🚫 Limited ability to add loyalty/membership cards
- 🤔 Inconsistent card detection and adding
- 💰 Unauthorized charges and payment issues
- 🔍 Lack of customization options (nicknames, images)
- 🇨🇦 Limited support for Canadian features

**Reported bugs**

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

**Requested features**

- 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

[App page](https://appshunter.io/ios/app/virtual-pag-ibig/id6444034285)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked 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 7.5M ratings, while Virtual Pag averages 2.9 from 14 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 November 8, 2026 and Virtual Pag on November 3, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*