# National Bonds vs BPI

The clearest difference is rating: BPI at 4.8 against National Bonds's 3.4. BPI also leads on ratings volume (17K vs 23) and monetization model (free vs ad-supported). National Bonds's advantage is review sentiment (52% vs 27%) and iOS requirement (14.0 vs 16.0). On price, update cadence, 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.

BPI holds the better App Store score, 4.8 against 3.4. That said, the two scores are not equally well evidenced: BPI has 17K ratings behind it against 23, so its average is the more settled of the two. Written reviews complicate that: 52% of National Bonds's written reviews are positive against 27% of BPI's, so the app with the better star average is not the one people write more warmly about.

National Bonds ships an update every 5 weeks, BPI every 2 months. The most recent releases landed on October 7, 2026 and October 15, 2026 respectively.

## The numbers

| Metric | National Bonds | BPI |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.4 (23 ratings)](https://appshunter.io/ios/app/national-bonds/id1461657357/reviews) | **[4.8 (17K ratings)](https://appshunter.io/ios/app/bpi/id6443950982/reviews)** |
| Number of ratings | 23 | **17K** |
| Positive reviews | **52.0% of reviews** | 27.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 5 weeks** | Every 2 months |
| Monetization | Ad-supported | **Free** |
| Size | 106 MB | 197 MB |
| Requires iOS | **14.0** | 16.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [NATIONAL BONDS CORPORATION SOLE PROPRIETORSHIP P.S.C.](https://appshunter.io/developer/480620407) | [Bank of the Philippine Islands](https://appshunter.io/developer/459690073) |

## What reviewers say

### National Bonds

[App page](https://appshunter.io/ios/app/national-bonds/id1461657357)

Manage your finances and savings with an enhanced digital experience. This app offers powerful features to simplify financial management, making saving easier and more enjoyable on the go.

**Highlights:** Digital savings journey, On-the-go financial control, Simplified finance management, Easy saving tools, Account management

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

**In-app purchases:** none


### BPI

[App page](https://appshunter.io/ios/app/bpi/id6443950982)

Manage your finances on the go with this comprehensive banking application. Open accounts, transfer funds, pay bills, and utilize QR payments. Features include AI-powered financial planning, investment services, and secure transaction authorization.

**Highlights:** Online account opening, QR payments, Money transfers, Scheduled transactions, AI personal finance manager, Investment services, Mobile key for authorization

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

**In-app purchases:** none

**What reviewers like**

- 🚀 Smooth transfer experience
- 🔒 Secure authentication
- 👍 Convenient mobile banking
- 🙌 Improved app design

**What reviewers complain about**

- 🐛 Frequent crashes
- 🤯 Frustrating registration process
- 🤔 Confusing UI changes
- 🙅‍♀️ Not OFW-friendly
- 💔 Downgrade from previous app

**Reported bugs**

- Unable to register device
- OTP not received
- Transactions not processing
- Compatibility issues with newer devices

**Requested features**

- Allow multiple device registration
- Provide email-based OTP option
- Restore copy-paste functionality
- Add dark mode option


## Frequently asked questions

### Is National Bonds free?

National Bonds is free to download, with no in-app purchases.

### Is BPI free?

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

### Which has better reviews, National Bonds or BPI?

BPI is rated higher. National Bonds averages 3.4 out of 5 from 23 ratings, while BPI averages 4.8 from 17K ratings.

### Do National Bonds or BPI have ads?

Neither National Bonds nor BPI shows ads.

### Which is updated more often, National Bonds or BPI?

National Bonds ships an update every 5 weeks, and BPI every 2 months. Most recently, National Bonds was updated on October 7, 2026 and BPI on October 15, 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.*