# PNB Digital vs BPI

The clearest difference is rating: BPI at 4.8 against PNB Digital's 2.3. BPI also leads on review sentiment (27% vs 7%) and ratings volume (17K vs 542). PNB Digital's advantage is update cadence (every 3 weeks vs every 2 months). On price, ads, in-app purchases and monetization model there is nothing between them.

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

BPI holds the better App Store score, 4.8 against 2.3. That said, the two scores are not equally well evidenced: BPI has 17K 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 27% of BPI's.

PNB Digital ships an update every 3 weeks, BPI every 2 months. The most recent releases landed on October 13, 2026 and October 18, 2026 respectively.

## The numbers

| Metric | PNB Digital | BPI |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.3 (542 ratings)](https://appshunter.io/ios/app/pnb-digital/id1527029568/reviews) | **[4.8 (17K ratings)](https://appshunter.io/ios/app/bpi/id6443950982/reviews)** |
| Number of ratings | 542 | **17K** |
| Positive reviews | 6.8% of reviews | **27.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Every 2 months |
| Monetization | Free | Free |
| Size | 180 MB | 197 MB |
| Requires iOS | **15.0** | 16.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Philippine National Bank](https://appshunter.io/developer/1066651912) | [Bank of the Philippine Islands](https://appshunter.io/developer/459690073) |

## 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


### BPI

[App page](https://appshunter.io/ios/app/bpi/id6443950982)

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:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Smooth transfer experience
- 🔒 Secure authentication
- 👍 Convenient mobile banking
- 🙌 Improved app design

**What reviewers complain about**

- 🐛 Frequent crashes
- 🤯 Frustrating registration process
- 🤔 Confusing UI changes
- 🙅‍♀️ Not OFW-friendly
- 💔 Downgrade from previous app

**Reported bugs**

- Unable to register device
- OTP not received
- Transactions not processing
- Compatibility issues with newer devices

**Requested features**

- Allow multiple device registration
- Provide email-based OTP option
- Restore copy-paste functionality
- Add dark mode option


## Frequently asked questions

### Is PNB Digital free?

PNB Digital 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, PNB Digital or BPI?

BPI is rated higher. PNB Digital averages 2.3 out of 5 from 542 ratings, while BPI averages 4.8 from 17K ratings.

### Do PNB Digital or BPI have ads?

Neither PNB Digital nor BPI shows ads.

### Which is updated more often, PNB Digital or BPI?

PNB Digital ships an update every 3 weeks, and BPI every 2 months. Most recently, PNB Digital was updated on October 13, 2026 and BPI on October 18, 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.*