# UnionBank Online vs BDO Pay

The clearest difference is monetization model: BDO Pay at free against UnionBank Online's free with in-app purchases. UnionBank Online's advantage is review sentiment (44% vs 32%) and device support (4 vs 2). On price, rating, ratings volume and update cadence 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 UnionBank Online against 4.8 for BDO Pay. Both are backed by a comparable volume of ratings — 4K and 2K respectively. Written reviews are what separate them: 44% of UnionBank Online's written reviews are positive against 32% of BDO Pay's.

UnionBank Online ships an update every 3 weeks, BDO Pay monthly. The most recent releases landed on November 6, 2026 and November 10, 2026 respectively.

## The numbers

| Metric | UnionBank Online | BDO Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (4K ratings)](https://appshunter.io/ios/app/unionbank-online/id1242291412/reviews) | **[4.8 (2K ratings)](https://appshunter.io/ios/app/bdo-pay/id6450918577/reviews)** |
| Number of ratings | **4K** | 2K |
| Positive reviews | **44.3% of reviews** | 31.7% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Monthly |
| Monetization | Free with in-app purchases | **Free** |
| Size | 567 MB | 601 MB |
| Requires iOS | **14.0** | 15.0 |
| Devices | **iPhone, iPad, iPod, Apple Watch** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [UnionBank of the Philippines](https://appshunter.io/developer/585167696) | [BDO Unibank, Inc.](https://appshunter.io/developer/673015233) |

## What reviewers say

### UnionBank Online

[App page](https://appshunter.io/ios/app/unionbank-online/id1242291412)

Manage your finances conveniently from your mobile device. Open accounts, deposit checks, transfer funds, and pay bills with ease. Securely monitor your accounts, cards, and loans with advanced features like biometrics and OTP.

**Highlights:** Open accounts in-app, Deposit checks 24/7, Manage accounts and cards, Transfer funds and pay bills, Request payments and split bills, Schedule branch visits, Secure access with biometrics

**Features:** Apple Wallet, Apple Watch app

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast and efficient
- 👍 User-friendly interface
- 🔒 Secure transactions
- 💡 Convenient features like in-app OTP
- 🌍 Reliable for overseas users

**What reviewers complain about**

- 🐛 Frequent app crashes and bugs
- ⏰ Slow response times and loading issues
- 🔑 Problematic OTP delivery and login issues
- 💤 Unreliable during maintenance and downtimes
- 🤖 Poor customer service and lack of human support

**Reported bugs**

- Unable to view or download account statements
- Difficulty adding Citi accounts and processing transactions
- Inconsistent OTP delivery and login failures
- App crashes when accessing transaction history
- Inability to open new accounts through the app

**Requested features**

- Add card lock feature for security
- Improve Instapay transaction reliability
- Provide OTP options via email or alternative numbers
- Enhance transaction history and installment plan details
- Optimize app performance and stability


### BDO Pay

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

Manage your BDO accounts, credit cards, and rewards points seamlessly. Pay bills, withdraw cash for free at QR-enabled ATMs, and access exclusive deals. Open a new account with no initial deposit or maintaining balance.

**Highlights:** Fee-free transactions, BDO Credit Card management, Rewards Points redemption, Exclusive BDO deals, Free QR ATM withdrawals, Card lock/unlock and limit management, Open Basic Account with no deposit

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is UnionBank Online free?

UnionBank Online 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, UnionBank Online or BDO Pay?

BDO Pay is rated higher. UnionBank Online averages 4.8 out of 5 from 4K ratings, while BDO Pay averages 4.8 from 2K ratings.

### Do UnionBank Online or BDO Pay have ads?

Neither UnionBank Online nor BDO Pay shows ads.

### Which is updated more often, UnionBank Online or BDO Pay?

UnionBank Online ships an update every 3 weeks, and BDO Pay monthly. Most recently, UnionBank Online was updated on November 6, 2026 and BDO Pay on November 10, 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.*