Comparison

Moneygment vs PNB Digital

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

Head to head
About

Moneygment

Manage your finances with this comprehensive app. Send money, pay bills, make investments, and get insured all in one place. It's designed for individuals without traditional bank accounts to handle essential financial tasks.

Highlights
  • Send money
  • Pay bills and taxes
  • Manage contributions
  • Investments
  • Insurance
Features
Read full description

Your finances in an app, your future in a tap! Moneygment is an all-in-one financial app where you can send money, pay bills, manage contributions, invest and get insured – anytime and anywhere! This app is perfect for freelancers, SMEs, OFWs, homemakers and people with no bank accounts to pay for taxes and government contributions like SSS, Pagibig and Philhealth! You can do the following with Moneygment! • Send money • Compute and pay your real property tax • Pay for SSS loans, utilities and government contributions • Investments and insurance

About

PNB Digital

Open a savings account, manage finances, and make payments easily. This app allows users to perform various banking transactions, including sending money, settling bills, and investing, all from their mobile device.

Highlights
  • Open savings accounts
  • Manage deposit and credit card accounts
  • Send money via InstaPay and PESONet
  • Settle bills and top-up eWallets
  • Invest in UITFs
  • Cardless ATM withdrawals
  • Order checkbooks
Features
Read full description

**Apply for a savings account**  For Filipinos residing and located in the Philippines, easily open a PNB savings account with just one (1) valid ID. This service is initially available to customers with no deposit account with PNB.      For Filipinos working in Hong Kong, Singapore and Japan, start your account application through PNB Digital with just a few taps and a valid ID. Visit the nearest PNB overseas branch within 30 days from your application for a quick KYC verification. Complete your application with a remittance to fund your account.    **Easy sign-up**  Register without going to the branch. You can use any eligible PNB Savings or Checking account number, PNB Debit Card or Credit Card number to enroll.      **Stay Safe, Bank with Confidence**  Access your account effortlessly with biometrics.  Lock your card anytime to prevent unauthorized use and unlock it when needed.    **Manage and monitor your PNB deposit or e-money accounts**  View your account balances and transaction history with 24/7 real-time access.    **Lock your funds safely**  Set aside part or all your available balance. Locked funds are removed from your available balance and will remain unavailable for any transaction. Unlock anytime in the app. **Protect your PNB Digital account instantly** Quickly suspend your PNB Digital access if you suspect your device or access has been compromised. For your protection, access can only be restored through any PNB branch.   **View your credit card information and electronic statements**  Monitor your PNB Credit Card account balance, statement and recent transactions (including pending transactions).  View your rewards points and PIN. View and download monthly e-statements.    **Send money anytime, anywhere**  Support your family or pay for your purchases online. Send money between PNB accounts, to other local banks and eWallets with InstaPay and PESONet. You can also schedule important one-time or recurring transfers for your convenience.    **Settle your monthly bills in just one app**  Skip the lines and beat the due dates!  Make hassle-free payments to our various billers using your PNB Debit or Credit Card. You can also schedule important one-time or recurring payments for a worry-free experience.    **eWallet Top-Up**  Transfer funds directly to an eWallet in real-time with InstaPay.    **Speed up your transactions**  Transfer funds instantly to your family and friends by scanning their account QR Codes.    **Share your account details safely**  Receive funds without giving your account number. Create a QR Code for your accounts or link them to your registered mobile number and/or email address for sharing to your contacts.     **Pay via QR Code**  Pay your bills and your favorite online and in-store shops easier via QR Ph codes. This is available for participating billers and merchants.    **Request for Cardless Withdrawal**  Get cash at any PNB ATM --- no card needed. **Add Card to Digital Wallet** Pay smarter and faster. Add your active PNB Card to Apple Pay using PNB Digital and enjoy a seamless and secure checkout experience when paying with Apple Pay.   **Monitor your PNB Time Deposits**   Add and view your active time deposits easily.    **Invest in UITFs**  Subscribe, manage and redeem your investment funds anytime, anywhere.     **Order your PNB checkbook conveniently**  Order via the app and pick up at your PNB branch of account.    **Personalize your PNB Digital Dashboard**    Access your favorite features instantly by customizing your dashboard based on your most-used services.      Download the app today and make banking easier.

Screenshots

Moneygment4 screens
PNB Digital4 screens

Verdict

The call

The clearest difference is review sentiment: Moneygment at 53% against PNB Digital's 7%. Moneygment also leads on rating (3.2 vs 2.3). PNB Digital's advantage is update cadence (every 3 weeks vs every 2 months) and ratings volume (542 vs 24). On price, ads, in-app purchases and monetization model 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

Moneygment holds the better App Store score, 3.2 against 2.3. That said, the two scores are not equally well evidenced: PNB Digital has 542 ratings behind it against 24, so its average is the more settled of the two. Written reviews point the same way: 53% of Moneygment's written reviews are positive against 7% of PNB Digital's.

UpkeepUpdate frequency

Moneygment ships an update every 2 months, PNB Digital every 3 weeks. The most recent releases landed on October 16, 2026 and October 13, 2026 respectively.

Scorecard4 real differences · 6 level
Moneygment versus PNB Digital: the parameters behind the verdict, then further details
ParameterMoneygmentPNB Digital
PriceFreeFree
Rating3.2 (24 ratings) — better2.3 (542 ratings)
Positive reviews52.7% of reviews — better6.8% of reviews
Number of ratings24542 — better
Update frequencyEvery 2 monthsEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.015.0
Further details — not scored
Size66 MB180 MB
Age rating4+4+
DeveloperTogetech Inc.Philippine National Bank

Customer experience

Moneygment

All ratings24 ratings
Positive50.0%
Neutral12.5%
Negative37.5%
Written reviews129 reviews
Positive52.7%
Neutral6.2%
Negative41.1%

PNB Digital

All ratings542 ratings
Positive32.1%
Neutral3.9%
Negative64.0%
Written reviews265 reviews
Positive6.8%
Neutral4.5%
Negative88.7%

Bugs and requests

Moneygment

Not enough reviews yet to summarise bugs or requests.

PNB Digital

Reported bugs

3 issues
  • Unable to sign up or register
  • Incorrect details error during login
  • Unresponsive app during maintenance

Requested features

4 requests
  • Password reset option
  • Multiple device registration
  • Improved transaction history
  • International remittance support

In-app purchases

None

Moneygment

No in-app purchases

None

PNB Digital

No in-app purchases

Questions

Is Moneygment free?
Moneygment is free to download, with no in-app purchases.
Is PNB Digital free?
PNB Digital is free to download, with no in-app purchases.
Which has better reviews, Moneygment or PNB Digital?
Moneygment is rated higher. Moneygment averages 3.2 out of 5 from 24 ratings, while PNB Digital averages 2.3 from 542 ratings.
Do Moneygment or PNB Digital have ads?
Neither Moneygment nor PNB Digital shows ads.
Which is updated more often, Moneygment or PNB Digital?
Moneygment ships an update every 2 months, and PNB Digital every 3 weeks. Most recently, Moneygment was updated on October 16, 2026 and PNB Digital on October 13, 2026.

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