Comparison

BankCom Personal vs PBCOMobile

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

Head to head
About

BankCom Personal

Manage your savings and current accounts, send money, track transactions, and pay bills instantly. This mobile banking app offers a personalized dashboard and secure 2-factor authentication for easy online banking.

Highlights
  • Personalized dashboard
  • 2-factor authentication
  • Instant money transfers
  • Local bank transfers (Instapay/Pesonet)
  • Transaction history
  • Bill payments
  • Profile updates
  • One Time Password (OTP) generation
Features
Read full description

Make your banking experience as mobile as you are with the new Bank of Commerce mobile app! Manage all of your savings & current accounts, time deposits, send money, keep track of all transactions, and pay bills instantly. Talk about easy banking anytime! Experience a better way to bank online with these amazing features: - Create your own personalized dashboard - Securely login with 2-factor authentication - Send cash to other BankCom accounts instantly - Transfer funds to any local bank via Instapay and Pesonet - View your complete transactions history - Pay bills for over 100 merchants with just a few taps - Update your customer profile - Generate a One Time Password (OTP) What are you waiting for? Download the new Bank of Commerce app today! Bank of Commerce Customer Care Metro Manila: (02) 8-632-2265 Domestic Toll-free numbers: 1800-10-982-6000 (PLDT) and 1800-8-982-6000 (Globe Lines) Email: customerservice@bankcom.com.ph Website: https://www.bankcom.com.ph Bank of Commerce is regulated by the Bangko Sentral ng Pilipinas. https://www.bsp.gov.ph Deposits are insured by PDIC up to P500,000 per depositor. Proud member of BancNet.

About

PBCOMobile

Manage your finances entirely from your smartphone. Open accounts, make payments, and transfer funds without visiting a branch. Access your money anytime, anywhere with a globally accepted debit card.

Highlights
  • Open accounts remotely
  • Digital ID and signature upload
  • Mobile payments and transfers
  • ATM and partner store deposits/withdrawals
  • Global debit card acceptance
  • Scheduled and recurring transactions
  • Account and debit card management
Features
Read full description

PBCOMobile is focused on making your financial life easier and simpler. There are no paper forms to fill out and no minimum and maintaining balance requirements. PBCOMobile offers bank accounts that live on your smartphone and gives you control of your money anytime , anywhere. You don’t need to visit a branch: you can open an account, make payments, transfer funds and receive money on your phone. If you have or need cash you can deposit and withdraw in ATMs and partner stores. All PBCOMobile accounts will come with debit cards that are accepted worldwide and mobile access to many payment and money transfer services via Mastercard, Bancnet and the Philippine Clearing House Corporation (PCHC). PBCOMobile Functionality: • Open an account without going to PBCOM branches • Capture and upload your ID Documents with your mobile phone • Take a Selfie Video to help us get to know you • Upload a digital signature • Create scheduled or recurring transactions • No opening and maintaining balance required for Starter Accounts • You can update your personal information via the mobile app • Upgrade your Starter account to a Regular Savings account and receive more perks • Easily link, block, unblock, and replace your PBCOMobile Debit Card via the mobile app. PBCOMobile is for new customers who wants to open an account. For existing PBCOM customers, you may download POP Personal to access your account online.

Screenshots

BankCom Personal4 screens
PBCOMobile4 screens

Verdict

The call

The clearest difference is rating: PBCOMobile at 5.0 against BankCom Personal's 2.6. BankCom Personal's advantage is ratings volume (19 vs 2) and iOS requirement (12.0 vs 15.0). 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

PBCOMobile holds the better App Store score, 5.0 against 2.6. That said, the two scores are not equally well evidenced: BankCom Personal has 19 ratings behind it against 2, so its average is the more settled of the two.

UpkeepUpdate frequency

BankCom Personal ships an update monthly, PBCOMobile every 6 weeks. The most recent releases landed on October 21, 2026 and October 24, 2026 respectively.

Scorecard3 real differences · 7 level
BankCom Personal versus PBCOMobile: the parameters behind the verdict, then further details
ParameterBankCom PersonalPBCOMobile
PriceFreeFree
Rating2.6 (19 ratings)5.0 (2 ratings) — better
Positive reviews18.5% of reviews—
Number of ratings19 — better2
Update frequencyMonthly — betterEvery 6 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS12.0 — better15.0
Further details — not scored
Size75 MB26 MB
Age rating4+4+
DeveloperBank of Commerce PHPHILIPPINE BANK OF COMMUNICATIONS

Customer experience

BankCom Personal

All ratings19 ratings
Positive26.3%
Neutral15.8%
Negative57.9%
Written reviews65 reviews
Positive18.5%
Neutral12.3%
Negative69.2%

PBCOMobile

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

BankCom Personal

No in-app purchases

None

PBCOMobile

No in-app purchases

Questions

Is BankCom Personal free?
BankCom Personal is free to download, with no in-app purchases.
Is PBCOMobile free?
PBCOMobile is free to download, with no in-app purchases.
Which has better reviews, BankCom Personal or PBCOMobile?
PBCOMobile is rated higher. BankCom Personal averages 2.6 out of 5 from 19 ratings, while PBCOMobile averages 5.0 from 2 ratings.
Do BankCom Personal or PBCOMobile have ads?
Neither BankCom Personal nor PBCOMobile shows ads.
Which is updated more often, BankCom Personal or PBCOMobile?
BankCom Personal ships an update monthly, and PBCOMobile every 6 weeks. Most recently, BankCom Personal was updated on October 21, 2026 and PBCOMobile on October 24, 2026.

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