Comparison

Bonds PH vs BPI

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

Highlights
  • 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
Features
Read full description

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.

About

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.

Highlights
  • Online account opening
  • QR payments
  • Money transfers
  • Scheduled transactions
  • AI personal finance manager
  • Investment services
  • Mobile key for authorization
Features
Read full description

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

Bonds PH4 screens
BPI4 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

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.

UpkeepUpdate frequency

Bonds PH ships an update monthly, BPI every 2 months. The most recent releases landed on June 10, 2026 and September 25, 2026 respectively.

Scorecard6 real differences · 4 level
Bonds PH versus BPI: the parameters behind the verdict, then further details
ParameterBonds PHBPI
PriceFreeFree
Rating4.2 (5 ratings)4.8 (17K ratings) — better
Positive reviews0.0% of reviews26.0% of reviews — better
Number of ratings517K — better
Update frequencyMonthly — betterEvery 2 months
AdsYesNo — better
In-app purchasesNoNo
MonetizationAd-supportedFree — better
DevicesiPhone, iPodiPhone, iPad
Requires iOS11.0 — better16.0
Further details — not scored
Size42 MB197 MB
Age rating4+4+
Developerbonds.ph Inc.Bank of the Philippine Islands

Customer experience

Bonds PH

All ratings5 ratings
Positive80.0%
Neutral0.0%
Negative20.0%
Written reviews1 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

BPI

All ratings17,201 ratings
Positive95.0%
Neutral1.4%
Negative3.6%
Written reviews557 reviews
Positive26.0%
Neutral2.7%
Negative71.3%

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

None

Bonds PH

No in-app purchases

None

BPI

No in-app purchases

Questions

Is Bonds PH free?
Bonds PH 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, Bonds PH or BPI?
BPI is rated higher. Bonds PH averages 4.2 out of 5 from 5 ratings, while BPI averages 4.8 from 17K ratings.
Do Bonds PH or BPI have ads?
Bonds PH shows ads; BPI does not.
Which is updated more often, Bonds PH or BPI?
Bonds PH ships an update monthly, and BPI every 2 months. Most recently, Bonds PH was updated on June 10, 2026 and BPI on September 25, 2026.

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