Comparison

PNB Digital vs GSIS Touch

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

Head to head
About

PNB Digital

Open a savings account, manage finances, and make payments easily. This app allows users to perform various banking transactions, including sending money, settling bills, and investing, all from their mobile device.

Highlights
  • Open savings accounts
  • Manage deposit and credit card accounts
  • Send money via InstaPay and PESONet
  • Settle bills and top-up eWallets
  • Invest in UITFs
  • Cardless ATM withdrawals
  • Order checkbooks
Features
Read full description

**Apply for a savings account**  For Filipinos residing and located in the Philippines, easily open a PNB savings account with just one (1) valid ID. This service is initially available to customers with no deposit account with PNB.      For Filipinos working in Hong Kong, Singapore and Japan, start your account application through PNB Digital with just a few taps and a valid ID. Visit the nearest PNB overseas branch within 30 days from your application for a quick KYC verification. Complete your application with a remittance to fund your account.    **Easy sign-up**  Register without going to the branch. You can use any eligible PNB Savings or Checking account number, PNB Debit Card or Credit Card number to enroll.      **Stay Safe, Bank with Confidence**  Access your account effortlessly with biometrics.  Lock your card anytime to prevent unauthorized use and unlock it when needed.    **Manage and monitor your PNB deposit or e-money accounts**  View your account balances and transaction history with 24/7 real-time access.    **Lock your funds safely**  Set aside part or all your available balance. Locked funds are removed from your available balance and will remain unavailable for any transaction. Unlock anytime in the app. **Protect your PNB Digital account instantly** Quickly suspend your PNB Digital access if you suspect your device or access has been compromised. For your protection, access can only be restored through any PNB branch.   **View your credit card information and electronic statements**  Monitor your PNB Credit Card account balance, statement and recent transactions (including pending transactions).  View your rewards points and PIN. View and download monthly e-statements.    **Send money anytime, anywhere**  Support your family or pay for your purchases online. Send money between PNB accounts, to other local banks and eWallets with InstaPay and PESONet. You can also schedule important one-time or recurring transfers for your convenience.    **Settle your monthly bills in just one app**  Skip the lines and beat the due dates!  Make hassle-free payments to our various billers using your PNB Debit or Credit Card. You can also schedule important one-time or recurring payments for a worry-free experience.    **eWallet Top-Up**  Transfer funds directly to an eWallet in real-time with InstaPay.    **Speed up your transactions**  Transfer funds instantly to your family and friends by scanning their account QR Codes.    **Share your account details safely**  Receive funds without giving your account number. Create a QR Code for your accounts or link them to your registered mobile number and/or email address for sharing to your contacts.     **Pay via QR Code**  Pay your bills and your favorite online and in-store shops easier via QR Ph codes. This is available for participating billers and merchants.    **Request for Cardless Withdrawal**  Get cash at any PNB ATM --- no card needed. **Add Card to Digital Wallet** Pay smarter and faster. Add your active PNB Card to Apple Pay using PNB Digital and enjoy a seamless and secure checkout experience when paying with Apple Pay.   **Monitor your PNB Time Deposits**   Add and view your active time deposits easily.    **Invest in UITFs**  Subscribe, manage and redeem your investment funds anytime, anywhere.     **Order your PNB checkbook conveniently**  Order via the app and pick up at your PNB branch of account.    **Personalize your PNB Digital Dashboard**    Access your favorite features instantly by customizing your dashboard based on your most-used services.      Download the app today and make banking easier.

About

GSIS Touch

Access your personal records and stay informed about Government Service Insurance System (GSIS) products and services. This official app is designed for active members, pensioners, and stakeholders to connect with GSIS.

Highlights
  • Access personal records
  • Information on GSIS products
  • Information on GSIS services
  • Official GSIS communication
Features
Read full description

This is the official mobile app of the Government Service Insurance System (GSIS) which active members, pensioners and stakeholders may use to access their personal records and various information about GSIS products and services.

Screenshots

PNB Digital4 screens
GSIS Touch4 screens

Verdict

The call

The clearest difference is rating: GSIS Touch at 3.7 against PNB Digital's 2.3. GSIS Touch also leads on review sentiment (27% vs 7%). PNB Digital's advantage is update cadence (every 3 weeks vs every 3 months) and ratings volume (544 vs 22). On price, ads, in-app purchases and monetization model 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

GSIS Touch holds the better App Store score, 3.7 against 2.3. That said, the two scores are not equally well evidenced: PNB Digital has 544 ratings behind it against 22, so its average is the more settled of the two. Written reviews point the same way: 7% of PNB Digital's written reviews are positive against 27% of GSIS Touch's.

UpkeepUpdate frequency

PNB Digital ships an update every 3 weeks, GSIS Touch every 3 months. The most recent releases landed on October 24, 2026 and October 22, 2026 respectively.

Scorecard4 real differences · 6 level
PNB Digital versus GSIS Touch: the parameters behind the verdict, then further details
ParameterPNB DigitalGSIS Touch
PriceFreeFree
Rating2.3 (544 ratings)3.7 (22 ratings) — better
Positive reviews6.8% of reviews26.9% of reviews — better
Number of ratings544 — better22
Update frequencyEvery 3 weeks — betterEvery 3 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.015.0
Further details — not scored
Size180 MB55 MB
Age rating4+4+
DeveloperPhilippine National BankGovernment Service Insurance System

Customer experience

PNB Digital

All ratings542 ratings
Positive32.1%
Neutral3.9%
Negative64.0%
Written reviews265 reviews
Positive6.8%
Neutral4.5%
Negative88.7%

GSIS Touch

All ratings14 ratings
Positive64.3%
Neutral7.1%
Negative28.6%
Written reviews52 reviews
Positive26.9%
Neutral21.2%
Negative51.9%

User reviews

PNB Digital

From 544 App Store ratings

What we love

  • 🚀 Smooth banking experience
  • 🔒 Secure transactions
  • 👍 User-friendly interface
  • 💡 Convenient bill payments

Room to improve

  • 🐛 Frequent crashes and errors
  • 🔒 Restrictive device registration
  • 👎 Poor customer support
  • 🕰️ Slow response times

GSIS Touch

From 22 App Store ratings

What we love

  • 👍 User-friendly interface
  • 👍 Practical to use
  • 👍 Informative content
  • 👍 Good for basic information

Room to improve

  • 🐛 App crashes frequently
  • 🐛 App won't open
  • 🐛 White screen on launch
  • 🐛 Connectivity issues
  • 🐛 Repeating notifications

Bugs and requests

PNB Digital

Reported bugs

3 issues
  • Unable to sign up or register
  • Incorrect details error during login
  • Unresponsive app during maintenance

Requested features

4 requests
  • Password reset option
  • Multiple device registration
  • Improved transaction history
  • International remittance support

GSIS Touch

Reported bugs

7 issues
  • App crashes after iOS updates
  • App won't open after iOS updates
  • White screen on launch
  • Connectivity issues
  • Repeating notifications for past transactions
Show 2 more
  • App not downloadable after iOS update
  • Informs of new version but not available in App Store

Requested features

2 requests
  • Button to mark all as read or delete in inbox
  • Proactive updates for iOS compatibility

In-app purchases

None

PNB Digital

No in-app purchases

None

GSIS Touch

No in-app purchases

Questions

Is PNB Digital free?
PNB Digital is free to download, with no in-app purchases.
Is GSIS Touch free?
GSIS Touch is free to download, with no in-app purchases.
Which has better reviews, PNB Digital or GSIS Touch?
GSIS Touch is rated higher. PNB Digital averages 2.3 out of 5 from 544 ratings, while GSIS Touch averages 3.7 from 22 ratings.
Do PNB Digital or GSIS Touch have ads?
Neither PNB Digital nor GSIS Touch shows ads.
Which is updated more often, PNB Digital or GSIS Touch?
PNB Digital ships an update every 3 weeks, and GSIS Touch every 3 months. Most recently, PNB Digital was updated on October 24, 2026 and GSIS Touch on October 22, 2026.

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