Vircle vs PMO PLUS
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Vircle
This app helps parents and schools collaborate to raise children who are healthier, brighter, and financially responsible. It offers a secure payment solution with customizable spending rules, guiding children towards financial literacy as they grow.
- Digital allowance management
- Customizable spending rules
- Parental guidance tools
- Contactless payment introduction
- Financial literacy education
- Family circle collaboration
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Vircle enables parents and schools to work together to nurture healthier, brighter and financially responsible children through a state-of-the-art payment and nurturing solution. Vircle brings the best of payments control and parental guidance to help parents raise smart and financially responsible children. Vircle allows parents to provide their children with allowances (pocket money) digitally with accompanying rules on how it can be spent. For a young child, a parent may take a stronger control on their spending control and as they grow into teens, teach them responsible spending and financial literacy by allowing them to make decisions on how they want to spend their money. Vircle allows parents to safely introduce their children to the world of contactless payments in a responsible way within a trusted Family circle.
PMO PLUS
Manage your investment portfolio with an intuitive interface and comprehensive analytics. Track holdings, set alerts, and access financial tools to make informed decisions and plan for your future.
- Portfolio overview
- Investment planning and monitoring
- Goal-based account designation
- Target price alerts
- Fund price and analytics
- Financial calculators
- Transaction notifications
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Developed with investors in mind, PMO PLUS comes with a new, enhanced user-friendly interface and an improved dashboard, providing investors with an overview of their portfolio holdings as well as comprehensive analytics to assist them in making informed investment decisions. With PMO PLUS, investors can: • Plan, invest and monitor their investments • Have an overview of their portfolio and investment accounts • Designate/earmark their investment accounts for specific financial goals • Set target price alerts and view the alert history for preferred funds • View fund prices and fund-related information under the Analytics feature • Receive and manage notifications on transactions, campaigns and promotions • Explore financial calculators to plan for their retirement needs • Update their profile and contact details • Learn more on financial and money management tips
Screenshots
Verdict
The clearest difference is review sentiment: Vircle at 100% against PMO PLUS's 21%. Vircle also leads on rating (4.0 vs 3.0). On price, ratings volume, update cadence and ads 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Vircle holds the better App Store score, 4.0 against 3.0. Both are backed by a comparable volume of ratings — 5 and 4 respectively. Written reviews point the same way: 100% of Vircle's written reviews are positive against 21% of PMO PLUS's.
Vircle ships an update every 3 weeks, PMO PLUS monthly. The most recent releases landed on September 29, 2026 and October 3, 2026 respectively.
| Parameter | Vircle | PMO PLUS |
|---|---|---|
| Price | Free | Free |
| Rating | 4.0 (5 ratings) — better | 3.0 (4 ratings) |
| Positive reviews | 100.0% of reviews — better | 21.4% of reviews |
| Number of ratings | 5 — better | 4 |
| Update frequency | Every 3 weeks — better | Monthly |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad | iPhone, iPad, iPod — better |
| Requires iOS | 16.6 | 15.0 — better |
| Further details — not scored | ||
| Size | 86 MB | 40 MB |
| Age rating | 4+ | 4+ |
| Developer | Debit Circles Sdn. Bhd. | Public Mutual Bhd |
Customer experience
Vircle
PMO PLUS
Bugs and requests
Vircle
Not enough reviews yet to summarise bugs or requests.
PMO PLUS
Reported bugs
29 issues- Unable to log in after update
- Confusing and frustrating authentication loop
- Cannot log in another account
- Securesign doesn't work
- Push notification not showing
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- App won't open
- App crashed mid-payment
- App suddenly crashed when viewing analytics
- App does not launch after update
- Service temporarily unavailable
- System is down frequently
- App keeps getting stuck at the start
- Lagging and needs restart for fund analysis chart
- Unable to change user ID and password
- Loading error on login, portfolio, top up, DDA
- App always stuck at one page
- App freezes suddenly
- App freezes regularly
- Hanging on the front page after login
- Floating transactions not showing up after payment
- Application always stuck, no response during transaction or opening tabs
- Screens didn't load successfully
- Blank page when login
- Page keeps freezing
- Screen freezes after tapping features
- Error on first run, exits by itself
- Did not receive PAC after waiting
- Slow loading, interface not smooth
- App crashes from time to time
Requested features
17 requests- Add new funds notification
- Ability to see statement directly in App
- Include pie chart of investment breakdown
- Auto rotate screen for iPad
- Change app icon to be more futuristic
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- Allow redemption of funds directly in the app
- Add biometric login (Face ID, Touch ID, fingerprint)
- Include full transaction features like switching and redemption
- Improve user experience
- Make SecureSign accessible after login
- Allow users to top up easily
- Add repurchase function
- Improve app stability
- Improve UI and navigation
- Add Face ID
- Add TouchID and FaceID
- Implement fingerprint login
In-app purchases
Vircle
No in-app purchases
PMO PLUS
No in-app purchases








