Comparison

PNB Digital vs DrukPay

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

DrukPay

Perform banking tasks securely and conveniently from your mobile device. Access Druk PNB banking services, initiate transactions, and manage your accounts with just a few clicks. Requires a stable internet connection for optimal performance.

Highlights
  • Secure banking transactions
  • Access Druk PNB services
  • Perform banking tasks remotely
  • Manage accounts
  • User-friendly interface
Features
Read full description

Bank right here, right now with the DrukPay (The official app for Druk PNB Bank Ltd.). DrukPay is secure, fast, and convenient. Using DrukPay, all your transaction is just a few clicks away. Perform your banking tasks from the palm of your hand, from anywhere, and at any time! This application provides access to Druk PNB banking services across all operators. It provides its customers to access the various features of banking over a secure channel. The application supports iOS 12.0 and above. NOTE: One-time activation is mandatory after downloading the new app before logging in. After downloading the Mobile App, existing internet Banking Users can log in using their user id and password. New Users are required to visit the nearest Branch of Druk PNB for activation of Mobile Banking. Important Tips: 1. Before downloading App customers are requested to check the availability of a stable internet connection on their mobile handsets. 2. If login password is forgotten, the customer will have to visit the nearest Branch 3. Please note that before transferring money to any DPNB Customer, you have to add the details of the Beneficiary/Payee in My Payees. You are requested not to follow any link/E-Mail requesting to share your Bank Details, Personal Details, User ID and Password, One-Time Passwords (OTP), etc. Our Bank never asks for such information from its customers. Please report any such incident at corp.it@drukpnbbank.bt For any queries/clarifications, please contact our help desk at (02-324497) or e-mail us at corp.it@drukpnbbank.bt.

Screenshots

PNB Digital4 screens
DrukPay4 screens

Verdict

The call

The clearest difference is ratings volume: PNB Digital at 544 against DrukPay's 4. PNB Digital also leads on update cadence (every 3 weeks vs every 2 months). DrukPay's advantage is iOS requirement (13.0 vs 15.0). On price, rating, review sentiment and ads 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

DrukPay holds the better App Store score, 2.5 against 2.3. That said, the two scores are not equally well evidenced: PNB Digital has 544 ratings behind it against 4, so its average is the more settled of the two. Written reviews complicate that: 7% of PNB Digital's written reviews are positive against 0% of DrukPay's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

PNB Digital ships an update every 3 weeks, DrukPay every 2 months. The most recent releases landed on October 24, 2026 and September 25, 2026 respectively.

Scorecard3 real differences · 7 level
PNB Digital versus DrukPay: the parameters behind the verdict, then further details
ParameterPNB DigitalDrukPay
PriceFreeFree
Rating2.3 (544 ratings)2.5 (4 ratings) — better
Positive reviews6.8% of reviews — better0.0% of reviews
Number of ratings544 — better4
Update frequencyEvery 3 weeks — betterEvery 2 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.013.0 — better
Further details — not scored
Size180 MB63 MB
Age rating4+4+
DeveloperPhilippine National BankDRUK PNB BANK LTD

Customer experience

PNB Digital

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

DrukPay

All ratings4 ratings
Positive25.0%
Neutral25.0%
Negative50.0%
Written reviews7 reviews
Positive0.0%
Neutral28.6%
Negative71.4%

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

DrukPay

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

PNB Digital

No in-app purchases

None

DrukPay

No in-app purchases

Questions

Is PNB Digital free?
PNB Digital is free to download, with no in-app purchases.
Is DrukPay free?
DrukPay is free to download, with no in-app purchases.
Which has better reviews, PNB Digital or DrukPay?
DrukPay is rated higher. PNB Digital averages 2.3 out of 5 from 544 ratings, while DrukPay averages 2.5 from 4 ratings.
Do PNB Digital or DrukPay have ads?
Neither PNB Digital nor DrukPay shows ads.
Which is updated more often, PNB Digital or DrukPay?
PNB Digital ships an update every 3 weeks, and DrukPay every 2 months. Most recently, PNB Digital was updated on October 24, 2026 and DrukPay on September 25, 2026.

Other comparisons