# TOP.ph vs VYBE by BPI

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.

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.

## The numbers

| Metric | TOP.ph | VYBE by BPI |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (1 ratings)](https://appshunter.io/ios/app/topph/id1588845879/reviews)** | [1.0 (57 ratings)](https://appshunter.io/ios/app/vybe-by-bpi/id1621461906/reviews) |
| Number of ratings | 1 | **57** |
| Positive reviews | **33.3% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Monthly** | Every 5 weeks |
| Monetization | Free | Free |
| Size | 196 MB | 118 MB |
| Requires iOS | 16.0 | **12** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [The Orange Platform](https://appshunter.io/developer/1710301765) | [Bank of the Philippine Islands](https://appshunter.io/developer/459690073) |

## What reviewers say

### TOP.ph

[App page](https://appshunter.io/ios/app/topph/id1588845879)

This electronic wallet facilitates cashless transactions, offering ease and protection for users. It aims to serve the unbanked population and improve financial literacy.

**Highlights:** Cashless transactions, Electronic wallet, Financial literacy support, Serves the unbanked, Ease of use, Protection

**Features:** Vision Pro support

**In-app purchases:** none


### VYBE by BPI

[App page](https://appshunter.io/ios/app/vybe-by-bpi/id1621461906)

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.

**Highlights:** E-wallet enhancement, Rewards program integration, Earn points with BPI products, Redeem exciting rewards, Digital banking experience

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

**In-app purchases:** none

**What reviewers complain about**

- ❌ Unable to log in
- ❌ App crashes frequently
- ❌ OTP issues
- ❌ Rewards not reflecting
- ❌ Not accessible abroad

**Reported bugs**

- Cannot log in
- Fails to login after inputting OTP
- App not working abroad
- BPI points not reflecting on the app
- App cannot be opened

**Requested features**

- 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


## Frequently asked questions

### Is TOP.ph free?

TOP.ph is free to download, with no in-app purchases.

### Is VYBE by BPI free?

VYBE by BPI is free to download, with no in-app purchases.

### Which has better reviews, TOP.ph or VYBE by BPI?

TOP.ph is rated higher. TOP.ph averages 5.0 out of 5 from 1 ratings, while VYBE by BPI averages 1.0 from 57 ratings.

### Do TOP.ph or VYBE by BPI have ads?

Neither TOP.ph nor VYBE by BPI shows ads.

### Which is updated more often, TOP.ph or VYBE by BPI?

TOP.ph ships an update monthly, and VYBE by BPI every 5 weeks. Most recently, TOP.ph was updated on October 10, 2026 and VYBE by BPI on October 24, 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.*