# HelloMoney by AUB vs Virtual Pag

The clearest difference is review sentiment: HelloMoney by AUB at 61% against Virtual Pag's 0%. HelloMoney by AUB also leads on rating (4.8 vs 2.9) and update cadence (fortnightly vs every 2 months). On price, ads, in-app purchases and monetization model there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

HelloMoney by AUB holds the better App Store score, 4.8 against 2.9. That said, the two scores are not equally well evidenced: HelloMoney by AUB has 559 ratings behind it against 14, so its average is the more settled of the two. Written reviews point the same way: 61% of HelloMoney by AUB's written reviews are positive against 0% of Virtual Pag's.

HelloMoney by AUB ships an update fortnightly, Virtual Pag every 2 months. Both last shipped on October 25, 2026.

## The numbers

| Metric | HelloMoney by AUB | Virtual Pag |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (559 ratings)](https://appshunter.io/ios/app/hellomoney-by-aub/id1459989013/reviews)** | [2.9 (14 ratings)](https://appshunter.io/ios/app/virtual-pag-ibig/id6444034285/reviews) |
| Number of ratings | **559** | 14 |
| Positive reviews | **60.8% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 2 months |
| Monetization | Free | Free |
| Size | 100 MB | 147 MB |
| Requires iOS | 15.6 | **14.0** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Asia United Bank](https://appshunter.io/developer/1334533311) | [Pag-IBIG Fund](https://appshunter.io/developer/1651750152) |

## 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


### Virtual Pag

[App page](https://appshunter.io/ios/app/virtual-pag-ibig/id6444034285)

Access your Pag-IBIG Fund records, including savings and loans, directly from your mobile device. Make online payments, apply for short-term loans, and monitor your loan status with ease.

**Highlights:** View savings and MP2 records, Monitor loan balances, Track payments, Apply for short-term loans, Online payment options, Check loan status

**Features:** macOS Compatibility, 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 Virtual Pag free?

Virtual Pag is free to download, with no in-app purchases.

### Which has better reviews, HelloMoney by AUB or Virtual Pag?

HelloMoney by AUB is rated higher. HelloMoney by AUB averages 4.8 out of 5 from 559 ratings, while Virtual Pag averages 2.9 from 14 ratings.

### Do HelloMoney by AUB or Virtual Pag have ads?

Neither HelloMoney by AUB nor Virtual Pag shows ads.

### Which is updated more often, HelloMoney by AUB or Virtual Pag?

HelloMoney by AUB ships an update fortnightly, and Virtual Pag every 2 months. Most recently, HelloMoney by AUB was updated on October 25, 2026 and Virtual Pag on October 25, 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.*