# HelloMoney by AUB vs TOP.ph

HelloMoney by AUB and TOP.ph both sit at 4.8 stars, but that hides the real split: 61% of HelloMoney by AUB's written reviews are positive against 33% of TOP.ph's. HelloMoney by AUB also leads on ratings volume (559 vs 1) and update cadence (fortnightly vs monthly). On price, rating, ads and in-app purchases there is nothing between them.

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 4.8. That said, the two scores are not equally well evidenced: HelloMoney by AUB has 559 ratings behind it against 1, so its average is the more settled of the two. Written reviews complicate that: 61% of HelloMoney by AUB's written reviews are positive against 33% of TOP.ph's, so the app with the better star average is not the one people write more warmly about.

HelloMoney by AUB ships an update fortnightly, TOP.ph monthly. The most recent releases landed on October 25, 2026 and October 10, 2026 respectively.

## The numbers

| Metric | HelloMoney by AUB | TOP.ph |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (559 ratings)](https://appshunter.io/ios/app/hellomoney-by-aub/id1459989013/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/topph/id1588845879/reviews)** |
| Number of ratings | **559** | 1 |
| Positive reviews | **60.8% of reviews** | 33.3% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Monthly |
| Monetization | Free | Free |
| Size | 100 MB | 196 MB |
| Requires iOS | **15.6** | 16.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Asia United Bank](https://appshunter.io/developer/1334533311) | [The Orange Platform](https://appshunter.io/developer/1710301765) |

## What reviewers say

### HelloMoney by AUB

[App page](https://appshunter.io/ios/app/hellomoney-by-aub/id1459989013)

This eWallet app offers a secure and efficient way for Filipinos to manage their finances. Open a prepaid bank account instantly with just your face as ID, with no hidden fees or maintaining balance required. Enjoy 24/7 fund transfers, QR payments, bill payments, and online shopping with a virtual Mastercard.

**Highlights:** Instant account opening with face ID, 24/7 fund transfers via InstaPay, QR code generation and payments, Cash out via partner branches, Load and bills payment, Virtual Mastercard for online shopping, ATM card optional

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

**In-app purchases:** none


### TOP.ph

[App page](https://appshunter.io/ios/app/topph/id1588845879)

This electronic wallet facilitates cashless transactions, offering ease and protection for users. It aims to serve the unbanked population and improve financial literacy.

**Highlights:** Cashless transactions, Electronic wallet, Financial literacy support, Serves the unbanked, Ease of use, Protection

**Features:** Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is HelloMoney by AUB free?

HelloMoney by AUB 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, HelloMoney by AUB or TOP.ph?

TOP.ph is rated higher. HelloMoney by AUB averages 4.8 out of 5 from 559 ratings, while TOP.ph averages 5.0 from 1 ratings.

### Do HelloMoney by AUB or TOP.ph have ads?

Neither HelloMoney by AUB nor TOP.ph shows ads.

### Which is updated more often, HelloMoney by AUB or TOP.ph?

HelloMoney by AUB ships an update fortnightly, and TOP.ph monthly. Most recently, HelloMoney by AUB was updated on October 25, 2026 and TOP.ph on October 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.*