Comparison

eCebuana vs Virtual Pag

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

Head to head
About

eCebuana

Manage your finances with this comprehensive app. Open accounts, send and receive money, pay bills, and top up your mobile load. It also supports international remittances and offers a virtual Visa card for online shopping.

Highlights
  • Open e-wallet and micro savings accounts
  • Send and receive money
  • Pay bills with numerous billers
  • Top up mobile load
  • Receive international remittances
  • Virtual Visa Card for online shopping
  • QR code transfers and payments
Features
Read full description

Ka-Cebuana, i-download mo na ang new and improved eCebuana app! Mas bago, mas madali, mas kumpleto - para sa mas convenient at mabilis na transactions! What’s new with eCebuana? • Super bilis mag-open ng account! • Pwede ka nang mag-open ng e-wallet account diretso sa app - hindi mo na kailangan pumunta sa branch! • Mag-open ng Micro Savings Account? I-verify mo lang ang wallet account mo - tapos agad! One app, all-in-one solution! • Send and receive money from other banks and e-wallets, at sa over 3,500 Cebuana Lhuillier branches nationwide • Magbayad ng bills - now with more billers • Mag-load anytime, anywhere Marami pang pwedeng gawin! • Receive international remittance via Quikz at Bank Albilad • Gamitin ang Virtual Visa Card pang-online shopping • Mag-transfer o bayad via QR • Mas mataas na wallet limit up to Php100,000 • May 24K Card ka? I-register na sa app para full access! Cebuana Lhuillier Micro Savings and Cebuana Savings are products of Cebuana Lhuillier Rural Bank. Regulated by the Bangko Sentral ng Pilipinas. Member: PDIC. Maximum deposit insurance for each depositor is Php1,000,000.  If you have encountered any problem while using the app, send us an email at cebuanacares@pjlhuillier.com.

About

Virtual Pag

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
Read full description

The official mobile app of Pag-IBIG Fund The Virtual Pag-IBIG Mobile App lets you instantly view your Pag-IBIG records, pay online, apply for a short-term loan, and know your loan status – all on your phone or tablet! Enjoy the convenience of easy access with the Virtual Pag-IBIG Mobile App. Install now to feel Pag-IBIG everywhere you go! VIEW YOUR RECORDS • Check your Regular Savings • See your Modified Pag-IBIG 2 (MP2) grow • Monitor annual dividends earned by your Pag-IBIG Regular Savings and MP2 Savings • Track your payments and check the outstanding balance of your loans anytime For more information, go to www.pagibigfund.gov.ph, call 8Pag-IBIG or (02) 8724-4242, or send an e-mail to contactus@pagibigfundgov.ph.

Screenshots

eCebuana4 screens
Virtual Pag4 screens

Verdict

The call

The clearest difference is rating: Virtual Pag at 2.9 against eCebuana's 1.7. On price, review sentiment, ratings volume and update cadence 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

Virtual Pag holds the better App Store score, 2.9 against 1.7. Both are backed by a comparable volume of ratings — 32 and 14 respectively. Written reviews split almost evenly too, at 0% and 0% positive.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 2 months. The most recent releases landed on October 24, 2026 and October 25, 2026 respectively.

Scorecard1 real difference · 9 level
eCebuana versus Virtual Pag: the parameters behind the verdict, then further details
ParametereCebuanaVirtual Pag
PriceFreeFree
Rating1.7 (32 ratings)2.9 (14 ratings) — better
Positive reviews0.0% of reviews0.0% of reviews
Number of ratings32 — better14
Update frequencyEvery 2 monthsEvery 2 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS15.514.0 — better
Further details — not scored
Size162 MB147 MB
Age rating4+4+
DeveloperNetworld Capital Ventures, Inc.Pag-IBIG Fund

Customer experience

eCebuana

All ratings31 ratings
Positive16.1%
Neutral0.0%
Negative83.9%
Written reviews12 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

Virtual Pag

All ratings14 ratings
Positive42.9%
Neutral7.1%
Negative50.0%
Written reviews11 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

In-app purchases

None

eCebuana

No in-app purchases

None

Virtual Pag

No in-app purchases

Questions

Is eCebuana free?
eCebuana 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, eCebuana or Virtual Pag?
Virtual Pag is rated higher. eCebuana averages 1.7 out of 5 from 32 ratings, while Virtual Pag averages 2.9 from 14 ratings.
Do eCebuana or Virtual Pag have ads?
Neither eCebuana nor Virtual Pag shows ads.
Which is updated more often, eCebuana or Virtual Pag?
eCebuana ships an update every 2 months, and Virtual Pag every 2 months. Most recently, eCebuana was updated on October 24, 2026 and Virtual Pag on October 25, 2026.

Other comparisons