# PNB Digital vs BDO Online

The clearest difference is rating: BDO Online at 4.7 against PNB Digital's 2.3. BDO Online also leads on ratings volume (12K vs 542). On price, review sentiment, update cadence and ads there is nothing between them.

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

BDO Online holds the better App Store score, 4.7 against 2.3. That said, the two scores are not equally well evidenced: BDO Online has 12K ratings behind it against 542, 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 11% of BDO Online's.

PNB Digital ships an update every 3 weeks, BDO Online every 5 weeks. The most recent releases landed on October 19, 2026 and October 21, 2026 respectively.

## The numbers

| Metric | PNB Digital | BDO Online |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.3 (542 ratings)](https://appshunter.io/ios/app/pnb-digital/id1527029568/reviews) | **[4.7 (12K ratings)](https://appshunter.io/ios/app/bdo-online/id1551584630/reviews)** |
| Number of ratings | 542 | **12K** |
| Positive reviews | 6.8% of reviews | **11.3% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Every 5 weeks |
| Monetization | Free | Free |
| Size | 180 MB | 412 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Philippine National Bank](https://appshunter.io/developer/1066651912) | [BDO Unibank, Inc.](https://appshunter.io/developer/673015233) |

## What reviewers say

### PNB Digital

[App page](https://appshunter.io/ios/app/pnb-digital/id1527029568)

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:** Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

- Unable to sign up or register
- Incorrect details error during login
- Unresponsive app during maintenance

**Requested features**

- Password reset option
- Multiple device registration
- Improved transaction history
- International remittance support


### BDO Online

[App page](https://appshunter.io/ios/app/bdo-online/id1551584630)

Manage your BDO accounts with this banking app. Secure your cards, view statements, and transfer funds with low fees. Confirm transactions using biometrics and send money via QR.

**Highlights:** Lock/unlock cards, View statements, Free BDO to BDO transfers, Biometric/Passcode confirmation, QR code money transfers

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Lightning-fast load times
- 🔒 Robust security features
- 👍 User-friendly interface

**What reviewers complain about**

- 🐛 Frequent crashes and bugs
- 🔑 Inconsistent login issues
- ⏱️ Slow and unresponsive
- 💳 Unable to access credit card accounts
- 📤 Unsuccessful transactions and transfers

**Reported bugs**

- Accounts not showing up
- Transaction history not updating
- Inability to receive OTP
- Constant need to reset password

**Requested features**

- Allow saving of biller details
- Synchronize passwords across web and mobile
- Provide OTP options via email or authenticator app
- Optimize for tablet/iPad use
- Add ability to transfer between own accounts (e.g., USD to PHP)


## Frequently asked questions

### Is PNB Digital free?

PNB Digital is free to download, with no in-app purchases.

### Is BDO Online free?

BDO Online is free to download, with no in-app purchases.

### Which has better reviews, PNB Digital or BDO Online?

BDO Online is rated higher. PNB Digital averages 2.3 out of 5 from 542 ratings, while BDO Online averages 4.7 from 12K ratings.

### Do PNB Digital or BDO Online have ads?

Neither PNB Digital nor BDO Online shows ads.

### Which is updated more often, PNB Digital or BDO Online?

PNB Digital ships an update every 3 weeks, and BDO Online every 5 weeks. Most recently, PNB Digital was updated on October 19, 2026 and BDO Online on October 21, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*