BOV 3D Secure vs MySSS
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
BOV 3D Secure
Secure your online purchases with a Bank of Valletta debit or credit card. Enroll your card once and authenticate transactions via passcode or fingerprint. Handles situations with no internet reception by using QR codes.
- Online purchase authentication
- Card enrollment
- Passcode authentication
- Biometric (fingerprint) authentication
- QR code authentication for offline use
- Push notifications for transactions
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The BOV 3D Secure app is downloadable to smart devices and will enable the user to effect online purchases with a Bank of Valletta debit or credit card. The app is simple to use: The first step is to download the BOV 3D Secure app and install it on your smart device You will then need to enrol the Bank of Valletta debit or credit card that you will use to effect online purchases. This is a one time process since once you enrol one card all your Bank of Valletta cards, that may be used for online purchases will be automatically enrolled to the 3D Secure app. During the enrolment process you will set an authentication passcode that will be used to authenticate you online purchases via the app - alternatively you can choose to set up biometric authentication by means of fingerprint, if your device supports the feature. Once the one-time enrolment process is complete, you are set to start shopping online: When checking out purchases over a certain amount, at certain merchants, the payment screen will ask you to authenticate the purchase; Simultaneously you will receive a push notification on your smart device which will prompt you to access the BOV 3D Secure app to authenticate the transaction either by passcode (established during enrollment) or biometrically, by means of your fingerprint. The app will then advise that authentication is successful and you will be able to tap the "proceed" button on the payment screen to complete your purchase. If you are in an area of no reception, or your device is not connected to an internet/data service, the payment screen will prompt you to scan a QR Code which will automatically launch the BOV 3D Secure app on your phone and following authentication a 6 digit code will be displayed. This code is to be inserted in the designated field on the payment screen. Following that simply tap the "proceed" button on the payment screen to complete your purchase. Important information Bank of Valletta will not contact you because you are using the app. So please stay alert to emails, text messages or phone calls that appear to be from us. Criminals may try to trick you into giving them sensitive personal or account information. Any suspicious communications or transactions should always be reported to Bank of Valletta immediately by calling the number on the reverse of your card, thus enabling immediate remedial action to be taken as necessary.
MySSS
Access your Philippine Social Security System records and manage your accounts conveniently. Conduct transactions and get information on SSS programs and services directly from your mobile device.
- Access SSS records
- Manage accounts
- Conduct transactions
- Obtain SSS program information
- Official SSS mobile app
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The MySSS is the official mobile app of the Philippine Social Security System designed to provide a more convenient way to access your SSS records, manage your accounts, conduct transactions, and obtain information about SSS programs and services directly from your mobile device. For more information on the MySSS App, visit www.sss.gov.ph or contact the SSS Call Center at 1455, or send an e-mail to usssaptayo@sss.gov.ph.
Screenshots
Verdict
The clearest difference is rating: MySSS at 3.3 against BOV 3D Secure's 1.0. MySSS also leads on update cadence (monthly vs every 28 months) and ratings volume (44 vs 1). BOV 3D Secure's advantage is iOS requirement (12.0 vs 15.0). On price, review sentiment, ads and in-app purchases 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
MySSS holds the better App Store score, 3.3 against 1.0. That said, the two scores are not equally well evidenced: MySSS has 44 ratings behind it against 1, so its average is the more settled of the two. Written reviews split almost evenly too, at 0% and 0% positive.
BOV 3D Secure ships an update every 28 months, MySSS monthly. The most recent releases landed on October 7, 2026 and October 19, 2026 respectively.
| Parameter | BOV 3D Secure | MySSS |
|---|---|---|
| Price | Free | Free |
| Rating | 1.0 (1 ratings) | 3.3 (44 ratings) — better |
| Positive reviews | 0.0% of reviews | 0.0% of reviews |
| Number of ratings | 1 | 44 — better |
| Update frequency | Every 28 months | Monthly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 12.0 — better | 15.0 |
| Further details — not scored | ||
| Size | 51 MB | 57 MB |
| Age rating | 4+ | 17+ |
| Developer | Bank of Valletta p.l.c. | Philippine Social Security System |
Customer experience
BOV 3D Secure
MySSS
In-app purchases
BOV 3D Secure
No in-app purchases
MySSS
No in-app purchases









