# PNB Digital vs BDO Pay

The clearest difference is rating: BDO Pay at 4.8 against PNB Digital's 2.3. BDO Pay also leads on review sentiment (31% vs 7%) and ratings volume (1.7K vs 542). PNB Digital's advantage is monetization model (free vs free with in-app purchases). On price, update cadence, ads and in-app purchases there is nothing between them.

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

BDO Pay holds the better App Store score, 4.8 against 2.3. Both are backed by a comparable volume of ratings — 542 and 1.7K respectively. Written reviews point the same way: 7% of PNB Digital's written reviews are positive against 31% of BDO Pay's.

PNB Digital ships an update every 3 weeks, BDO Pay monthly. The most recent releases landed on October 13, 2026 and October 17, 2026 respectively.

## The numbers

| Metric | PNB Digital | BDO Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.3 (542 ratings)](https://appshunter.io/ios/app/pnb-digital/id1527029568/reviews) | **[4.8 (1.7K ratings)](https://appshunter.io/ios/app/bdo-pay/id6450918577/reviews)** |
| Number of ratings | 542 | **1.7K** |
| Positive reviews | 6.8% of reviews | **30.8% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Monthly |
| Monetization | **Free** | Free with in-app purchases |
| Size | 180 MB | 576 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 Pay

[App page](https://appshunter.io/ios/app/bdo-pay/id6450918577)

This app allows users to make payments, send money, and pay bills directly from their bank accounts or credit cards without needing to cash in. It offers features like QR code payments, free transfers to BDO accounts, and bill payments with no service fees.

**Highlights:** Scan QR Ph codes, Send money for free to BDO accounts, Pay bills with no service fees, Request money from users, Split bills, Buy load, QR withdrawals and deposits

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is PNB Digital free?

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

### Is BDO Pay free?

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

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

BDO Pay is rated higher. PNB Digital averages 2.3 out of 5 from 542 ratings, while BDO Pay averages 4.8 from 1.7K ratings.

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

Neither PNB Digital nor BDO Pay shows ads.

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

PNB Digital ships an update every 3 weeks, and BDO Pay monthly. Most recently, PNB Digital was updated on October 13, 2026 and BDO Pay on October 17, 2026.

---

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