Comparison

Apple Wallet vs BDO Pay

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

BDO Pay

This app allows users to make payments, send money, and pay bills directly from their bank accounts or credit cards without needing to cash in. It offers features like QR code payments, free transfers to BDO accounts, and bill payments with no service fees.

Highlights
  • Scan QR Ph codes
  • Send money for free to BDO accounts
  • Pay bills with no service fees
  • Request money from users
  • Split bills
  • Buy load
  • QR withdrawals and deposits
Features
Read full description

No fees on ALL transactions. No cash-in needed. No hassle. BDO Pay Mo Na! Pay directly from your BDO Bank Account or Credit Card and enjoy a seamless payment experience with BDO Pay. More reasons to love BDO Pay • Manage your BDO Credit Card and explore available Installment Offers. • View and redeem Rewards Points anytime, anywhere. • Enjoy exclusive BDO Deals and Promos for BDO Debit and Credit Cardholders. • Withdraw for free at any QR-enabled BDO ATM nationwide. • Lock or unlock your BDO Debit or Credit Card and manage limits with ease. • Open a Basic Account with no initial deposit and no maintaining balance required. BDO Unibank, Inc. is regulated by the Bangko Sentral ng Pilipinas: https://www.bsp.gov.ph. For inquiries and concerns, please reach us through https://www.bdo.com.ph/consumer-assistance. Deposits are insured by PDIC up to P1 Million per depositor. The BDO, BDO Unibank and other BDO-related trademarks are owned by BDO Unibank, Inc. All Rights Reserved.

Screenshots

Apple Wallet4 screens
BDO Pay4 screens

Verdict

The call

The clearest difference is monetization model: Apple Wallet at free against BDO Pay's free with in-app purchases. Apple Wallet also leads on ratings volume (7.4M vs 1.2K) and review sentiment (54% vs 31%). BDO Pay's advantage is update cadence (monthly vs every 3 months). On price, rating, 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

On the App Store both sit at effectively the same score — 4.8 for Apple Wallet against 4.8 for BDO Pay. That said, the two scores are not equally well evidenced: Apple Wallet has 7.4M ratings behind it against 1.2K, so its average is the more settled of the two. Written reviews are what separate them: 54% of Apple Wallet's written reviews are positive against 31% of BDO Pay's.

UpkeepUpdate frequency

Apple Wallet ships an update every 3 months, BDO Pay monthly. Both last shipped on September 24, 2026.

Scorecard5 real differences · 5 level
Apple Wallet versus BDO Pay: the parameters behind the verdict, then further details
ParameterApple WalletBDO Pay
PriceFreeFree
Rating4.8 (7.4M ratings) — better4.8 (1.2K ratings)
Positive reviews53.5% of reviews — better30.8% of reviews
Number of ratings7.4M — better1.2K
Update frequencyEvery 3 monthsMonthly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPod, Apple Watch — betteriPhone, iPod
Requires iOS10.0 — better15.0
Further details — not scored
Size9 MB574 MB
Age rating4+4+
DeveloperAppleBDO Unibank, Inc.

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%

BDO Pay

All ratings1,242 ratings
Positive94.6%
Neutral1.6%
Negative3.8%
Written reviews39 reviews
Positive30.8%
Neutral2.6%
Negative66.7%

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)

BDO Pay

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Apple Wallet

No in-app purchases

None

BDO Pay

No in-app purchases

Questions

Is Apple Wallet free?
Apple Wallet is free to download, with no in-app purchases.
Is BDO Pay free?
BDO Pay is free to download, with no in-app purchases.
Which has better reviews, Apple Wallet or BDO Pay?
Apple Wallet is rated higher. Apple Wallet averages 4.8 out of 5 from 7.4M ratings, while BDO Pay averages 4.8 from 1.2K ratings.
Do Apple Wallet or BDO Pay have ads?
Neither Apple Wallet nor BDO Pay shows ads.
Which is updated more often, Apple Wallet or BDO Pay?
Apple Wallet ships an update every 3 months, and BDO Pay monthly. Most recently, Apple Wallet was updated on September 24, 2026 and BDO Pay on September 24, 2026.

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