Comparison

RCBC Pulz vs TOP.ph

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

Head to head
About

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.

Highlights
  • 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
Features
Read full description

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

About

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.

Highlights
  • Cashless transactions
  • Electronic wallet
  • Financial literacy support
  • Serves unbanked population
  • Secure digital payments
Features
Read full description

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

RCBC Pulz4 screens
TOP.ph4 screens

Verdict

The call

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

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

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.

UpkeepUpdate frequency

RCBC Pulz ships an update monthly, TOP.ph every 5 weeks. Both last shipped on November 11, 2026.

Scorecard3 real differences · 7 level
RCBC Pulz versus TOP.ph: the parameters behind the verdict, then further details
ParameterRCBC PulzTOP.ph
PriceFreeFree
Rating1.9 (98 ratings)5.0 (1 ratings) — better
Positive reviews18.0% of reviews33.3% of reviews — better
Number of ratings98 — better1
Update frequencyMonthly — betterEvery 5 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhoneiPhone
Requires iOS16.616.0 — better
Further details — not scored
Size160 MB196 MB
Age rating4+4+
DeveloperRizal Commercial Banking CorporationThe Orange Platform

Customer experience

RCBC Pulz

All ratings98 ratings
Positive20.4%
Neutral4.1%
Negative75.5%
Written reviews178 reviews
Positive18.0%
Neutral3.4%
Negative78.7%

TOP.ph

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews15 reviews
Positive33.3%
Neutral0.0%
Negative66.7%

In-app purchases

None

RCBC Pulz

No in-app purchases

None

TOP.ph

No in-app purchases

Questions

Is RCBC Pulz free?
RCBC Pulz is free to download, with no in-app purchases.
Is TOP.ph free?
TOP.ph is free to download, with no in-app purchases.
Which has better reviews, RCBC Pulz or TOP.ph?
TOP.ph is rated higher. RCBC Pulz averages 1.9 out of 5 from 98 ratings, while TOP.ph averages 5.0 from 1 ratings.
Do RCBC Pulz or TOP.ph have ads?
Neither RCBC Pulz nor TOP.ph shows ads.
Which is updated more often, RCBC Pulz or TOP.ph?
RCBC Pulz ships an update monthly, and TOP.ph every 5 weeks. Most recently, RCBC Pulz was updated on November 11, 2026 and TOP.ph on November 11, 2026.

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