# Apple Wallet vs BDO Pay

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.

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

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.

Apple Wallet ships an update every 3 months, BDO Pay monthly. The most recent releases landed on September 25, 2026 and September 24, 2026 respectively.

## The numbers

| Metric | Apple Wallet | BDO Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (7.4M ratings)](https://appshunter.io/ios/app/apple-wallet/id1160481993/reviews)** | [4.8 (1.2K ratings)](https://appshunter.io/ios/app/bdo-pay/id6450918577/reviews) |
| Number of ratings | **7.4M** | 1.2K |
| Positive reviews | **53.5% of reviews** | 30.8% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Monthly** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 9 MB | 574 MB |
| Requires iOS | **10.0** | 15.0 |
| Devices | **iPhone, iPod, Apple Watch** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Apple](https://appshunter.io/developer/284417353) | [BDO Unibank, Inc.](https://appshunter.io/developer/673015233) |

## 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)


### BDO Pay

[App page](https://appshunter.io/ios/app/bdo-pay/id6450918577)

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:** 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 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 25, 2026 and BDO Pay on September 24, 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.*