Bonds PH vs BPI
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Bonds PH
Invest in Philippine Treasury Bonds easily and securely. Buy and sell bonds anytime, anywhere, even without a bank account. Manage your investments and track transactions on the go.
- Buy and sell treasury bonds
- Invest without a bank account
- Cash in and out via any channel
- 24/7 subscription to bonds
- Real-time transaction tracking
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The best app to buy and sell treasury bonds in the Philippines. Invest in your country, anytime, anywhere, even without a bank account. Save and start earning with Bonds.PH by UnionBank. • Cash in and out through any bank or payment channel • Subscribe into treasury bonds, 24/7 • Sell your investments anytime • Stay up to date on all your account transactions and activities Visit our product website: https://bonds.ph Visit our company website: https://unionbankph.com/ UnionBank of the Philippines is regulated by the Bangko Sentral ng Pilipinas. For inquiries and comments, contact our Customer Service at customer.service@unionbankph.com or (+632) 841-8600.
BPI
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.
- Online account opening
- QR payments
- Money transfers
- Scheduled transactions
- AI personal finance manager
- Investment services
- Mobile key for authorization
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Welcome to the BPI app! Managing your money has never been easier. Access your accounts, transfer funds, pay bills, invest, and more, wherever you are. The BPI app gives you secure and convenient banking right at your fingertips. FREE TRANSFERS TO BANKS AND E-WALLETS Easily transfer money between your BPI accounts, send money to other BPI accounts, or transfer funds to other local banks and e-wallets via PesoNet and InstaPay for free. Save time by setting up Favorites for frequently used recipients. PAY BILLS ANYTIME Settle bills anytime with thousands of billers to choose from. Schedule recurring payments ahead of time so you never miss a due date. PAY WITH QR PH Skip the cash-in and pay directly from your BPI account. Simply scan any QR Ph code at participating merchants. UNDERSTAND YOUR SPENDING BETTER Get personalized insights based on your transactions and app activity to help you manage your spending, make informed financial decisions, and stay on track with your goals. OPEN AN ACCOUNT IN MINUTES Open a BPI Savings Account using your National ID and selfie verification. No branch visit required. Once approved, you can immediately access BPI digital banking services. INVEST AND GROW YOUR MONEY Grow your wealth and secure your future with BPI investment products. View and manage your investments in one place and conveniently set up or amend your Regular Subscription Plan (RSP) directly in the app. Eligible clients can also access their BPI Privilege Cards and exclusive experiences through the app. TAKE CONTROL OF YOUR SECURITY Enjoy added security with customizable transaction limits and Mobile Key authorization. Securely approve transactions using your device's biometric credentials. You can also log in to BPI online on a web browser using the QR Scanner in the app when Mobile Key is unavailable. Manage your cards anytime and enjoy greater control and protection for your everyday banking activities. BANK WITHOUT VISITING A BRANCH Access a growing range of services directly in the app: • Order a Debit Card • Open a New Account • Open a Time Deposit Account • Reorder Checkbooks • Stop Check Payment Orders • Download Statements of Account • Download Wealth Portfolio Statements • Update Mobile Number • Manage Trusted Devices • Temporarily or Permanently Block Debit or Credit Cards • Check Deposit (available to eligible customers) • Cardless Withdrawal • Buy and Sell USD • Credit-to-Cash and Balance Conversion for eligible customers • Partner Store Transactions (Deposit or Withdraw) UNLOCK PERSONALIZED OFFERS Enjoy exclusive offers, rewards, and promotions available through the BPI app. Receive personalized deals and experiences designed for BPI customers. ABOUT BPI As one of the largest banks in the Philippines, The Bank of the Philippine Islands has a long-standing reputation for providing trusted and reliable financial services. Through continuous innovation and digital transformation, BPI delivers secure, convenient, and customer-focused banking solutions that help millions of Filipinos achieve their financial goals. BPI was recognized by FinanceAsia as Best Financial Company and Best Overall Company in the Philippines. With the BPI app, you can bank with confidence knowing your transactions are protected by robust security features. The app is continuously enhanced with new features and improvements designed to make banking simpler, safer, and more convenient every day. Download the BPI app and make every day better with BPI.
Screenshots
Verdict
The clearest difference is rating: BPI at 4.8 against Bonds PH's 4.2. BPI also leads on ads (none vs shown) and review sentiment (26% vs 0%). Bonds PH's advantage is iOS requirement (11.0 vs 16.0). On price, update cadence, in-app purchases and device support 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.
BPI holds the better App Store score, 4.8 against 4.2. That said, the two scores are not equally well evidenced: BPI has 17K ratings behind it against 5, so its average is the more settled of the two. Written reviews point the same way: 0% of Bonds PH's written reviews are positive against 26% of BPI's.
Bonds PH ships an update monthly, BPI every 2 months. The most recent releases landed on June 10, 2026 and September 25, 2026 respectively.
| Parameter | Bonds PH | BPI |
|---|---|---|
| Price | Free | Free |
| Rating | 4.2 (5 ratings) | 4.8 (17K ratings) — better |
| Positive reviews | 0.0% of reviews | 26.0% of reviews — better |
| Number of ratings | 5 | 17K — better |
| Update frequency | Monthly — better | Every 2 months |
| Ads | Yes | No — better |
| In-app purchases | No | No |
| Monetization | Ad-supported | Free — better |
| Devices | iPhone, iPod | iPhone, iPad |
| Requires iOS | 11.0 — better | 16.0 |
| Further details — not scored | ||
| Size | 42 MB | 197 MB |
| Age rating | 4+ | 4+ |
| Developer | bonds.ph Inc. | Bank of the Philippine Islands |
Customer experience
Bonds PH
BPI
Bugs and requests
Bonds PH
Not enough reviews yet to summarise bugs or requests.
BPI
Reported bugs
4 issues- Unable to register device
- OTP not received
- Transactions not processing
- Compatibility issues with newer devices
Requested features
4 requests- Allow multiple device registration
- Provide email-based OTP option
- Restore copy-paste functionality
- Add dark mode option
In-app purchases
Bonds PH
No in-app purchases
BPI
No in-app purchases









