RCBC Pulz vs TOP.ph
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
RCBC Pulz
Manage your finances with this digital banking app. Send money, manage cards, grow savings, and deposit checks from your phone. Access exclusive club member perks and personalized support.
- Send money online for free
- Mobile check deposit
- Manage credit cards
- Open online Time Deposit accounts
- Become a Hexagon Club member
- Receive and convert USD
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Meet the refreshed RCBC Pulz, your digital banking app for everyday banking. Enjoy a new, more personal experience for sending money online, managing your cards, growing your savings, and more. BECOME A HEXAGON CLUB MEMBER ONLINE Enjoy the privileges that come with being a Hexagon Club member. Join in-app to unlock exclusive rewards, lifestyle perks, and personalized support tailored to your banking needs. RECEIVE US DOLLARS AND CONVERT ON DEMAND Have more flexibility with your US funds through your US Virtual Account. Receive US dollars and convert them to Philippine pesos whenever it suits you, giving you greater control over your money. SEND MONEY ONLINE FOR FREE Enjoy unlimited free transfers to local banks through InstaPay, PESONet, and QRPh, and conveniently send money online for everyday payments or move funds between accounts. DEPOSIT CHECKS FROM YOUR PHONE No need to make a trip to the branch just to deposit a check. With mobile check deposit, you can submit checks through the app and take care of it wherever you are. EASILY MANAGE YOUR RCBC CREDIT CARDS Keep your credit cards within reach and stay on top of your spending. Check your card activity, view your transactions, and access key card services whenever you need them. LET YOUR SAVINGS DO MORE Give your money more room to grow with an online Time Deposit. Open your account digitally, keep track of your deposits, and make the most of your savings as you work toward your financial goals. GET SUPPORT THAT KNOWS YOU When you need assistance, connect with your dedicated Hexagon Club support team for personalized help from people who understand your banking relationship. MORE WAYS TO BANK WITH PULZ Go beyond the essentials with more digital banking services designed around your everyday needs. Send or request payments, pay bills, buy load, deposit or withdraw cash, and manage your loans and investments through Pulz. From Foreign Exchange and Bank Certificate requests to additional account services, Pulz gives you more ways to stay on top of your finances and work toward your financial goals. ——— Rizal Commercial Banking Corporation (RCBC) is regulated by the Bangko Sentral ng Pilipinas (BSP) https://bsp.gov.ph Deposits are insured by PDIC up to P1 Million per depositor. Copyright 2026, Rizal Commercial Banking Corporation. All rights reserved. A Member of the Yuchengco Group of Companies
TOP.ph
This electronic wallet facilitates cashless transactions, aiming to serve the unbanked and improve financial literacy. It offers ease of use and security for digital payments.
- Cashless transactions
- Electronic wallet
- Financial literacy support
- Serves unbanked population
- Secure digital payments
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TOP.ph is our response to the current demand to go cashless in today's digital age. It is an electronic wallet that provides both ease and protection, serving the unbanked population and bridging the gap in financial literacy.
Screenshots
Verdict
The clearest difference is rating: TOP.ph at 5.0 against RCBC Pulz's 1.9. TOP.ph also leads on review sentiment (33% vs 18%). RCBC Pulz's advantage is ratings volume (98 vs 1). On price, update cadence, 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
TOP.ph holds the better App Store score, 5.0 against 1.9. That said, the two scores are not equally well evidenced: RCBC Pulz has 98 ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 18% of RCBC Pulz's written reviews are positive against 33% of TOP.ph's.
RCBC Pulz ships an update monthly, TOP.ph every 5 weeks. Both last shipped on November 11, 2026.
| Parameter | RCBC Pulz | TOP.ph |
|---|---|---|
| Price | Free | Free |
| Rating | 1.9 (98 ratings) | 5.0 (1 ratings) — better |
| Positive reviews | 18.0% of reviews | 33.3% of reviews — better |
| Number of ratings | 98 — better | 1 |
| Update frequency | Monthly — better | Every 5 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone | iPhone |
| Requires iOS | 16.6 | 16.0 — better |
| Further details — not scored | ||
| Size | 160 MB | 196 MB |
| Age rating | 4+ | 4+ |
| Developer | Rizal Commercial Banking Corporation | The Orange Platform |
Customer experience
RCBC Pulz
TOP.ph
In-app purchases
RCBC Pulz
No in-app purchases
TOP.ph
No in-app purchases








