TOP.ph vs VYBE by BPI
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
TOP.ph
This electronic wallet facilitates cashless transactions, offering ease and protection for users. It aims to serve the unbanked population and improve financial literacy.
- Cashless transactions
- Electronic wallet
- Financial literacy support
- Serves the unbanked
- Ease of use
- Protection
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TOP.ph is our response to the current demand to go cashless in today's digital age. It is an electronic wallet that provides both ease and protection, serving the unbanked population and bridging the gap in financial literacy.
VYBE by BPI
Enhance your digital banking and rewards with this lifestyle app. Earn points by using BPI products and services, and redeem them for exciting rewards directly within the application.
- E-wallet enhancement
- Rewards program integration
- Earn points with BPI products
- Redeem exciting rewards
- Digital banking experience
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Level-up your e-wallet and rewards experience with VYBE! VYBE is your one-stop lifestyle app that makes your everyday digital banking more rewarding. With the all new BPI Rewards, earn points when you use BPI products and services and redeem exciting rewards through the VYBE app.
Screenshots
Verdict
The clearest difference is rating: TOP.ph at 5.0 against VYBE by BPI's 1.0. TOP.ph also leads on review sentiment (33% vs 0%). VYBE by BPI's advantage is ratings volume (57 vs 1) and iOS requirement (12 vs 16.0). On price, update cadence, 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.
TOP.ph holds the better App Store score, 5.0 against 1.0. That said, the two scores are not equally well evidenced: VYBE by BPI has 57 ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 33% of TOP.ph's written reviews are positive against 0% of VYBE by BPI's.
TOP.ph ships an update monthly, VYBE by BPI every 5 weeks. The most recent releases landed on October 10, 2026 and October 24, 2026 respectively.
| Parameter | TOP.ph | VYBE by BPI |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (1 ratings) — better | 1.0 (57 ratings) |
| Positive reviews | 33.3% of reviews — better | 0.0% of reviews |
| Number of ratings | 1 | 57 — better |
| Update frequency | Monthly — better | Every 5 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone | iPhone, iPod — better |
| Requires iOS | 16.0 | 12 — better |
| Further details — not scored | ||
| Size | 196 MB | 118 MB |
| Age rating | 4+ | 4+ |
| Developer | The Orange Platform | Bank of the Philippine Islands |
Customer experience
TOP.ph
VYBE by BPI
Bugs and requests
TOP.ph
Not enough reviews yet to summarise bugs or requests.
VYBE by BPI
Reported bugs
33 issues- Cannot log in
- Fails to login after inputting OTP
- App not working abroad
- BPI points not reflecting on the app
- App cannot be opened
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- Screen stuck on landing page
- App causes phone to crash
- App shuts down unexpectedly
- Invalid account error when trying to log in
- No OTP sent for forgot MPIN
- Phone goes blank after logging in
- App is buggy and throws errors after OTP
- Cannot go further than MPIN and accepting T&C
- OTP is invalid
- Customer service cannot solve login issues
- Cannot enter OTP as app is still loading
- App keeps crashing/not opening after logging in successfully
- Money disappeared from the app and not returned
- App crashes when attempting to log in or sign up
- Perpetually on the first screen (logo)
- OTP not recognized
- Account locked after signing up
- 502 Bad Gateway on login
- Contact support keeps loading
- Member already exists error after reinstalling
- Forgot PIN goes to a blank screen
- Authentication always fails (VYBE MS ERROR)
- Input is invalid error
- App gets stuck on the logo screen
- Slow loading of reward details
- Cannot get reward codes from the app after claiming
- App stopped working, it froze
- Unable to process request error
Requested features
12 requests- Support international numbers
- Allow checking/claiming rewards points without app
- Remove forced app usage for rewards
- Fix online option to check points
- Show total rewards in credit card billing statement
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- Improve app stability and performance
- Fix 'Forgot MPIN' functionality
- Allow sending messages in contact support without character limit
- Update app interface
- Enable biometrics for login
- Fix OTP expiration issue
- Ensure app is functional before advertising
In-app purchases
TOP.ph
No in-app purchases
VYBE by BPI
No in-app purchases
