TOP.ph vs BDO Pay
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.
BDO Pay
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.
- 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
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No fees on ALL transactions. No cash-in needed. No hassle. BDO Pay Mo Na! Pay directly from your BDO Bank Account or Credit Card and enjoy a seamless payment experience with BDO Pay. More reasons to love BDO Pay • Manage your BDO Credit Card and explore available Installment Offers. • View and redeem Rewards Points anytime, anywhere. • Enjoy exclusive BDO Deals and Promos for BDO Debit and Credit Cardholders. • Withdraw for free at any QR-enabled BDO ATM nationwide. • Lock or unlock your BDO Debit or Credit Card and manage limits with ease. • Open a Basic Account with no initial deposit and no maintaining balance required. BDO Unibank, Inc. is regulated by the Bangko Sentral ng Pilipinas: https://www.bsp.gov.ph. For inquiries and concerns, please reach us through https://www.bdo.com.ph/consumer-assistance. Deposits are insured by PDIC up to P1 Million per depositor. The BDO, BDO Unibank and other BDO-related trademarks are owned by BDO Unibank, Inc. All Rights Reserved.
Screenshots
Verdict
The clearest difference is monetization model: TOP.ph at free against BDO Pay's free with in-app purchases. TOP.ph also leads on rating (5.0 vs 4.8). BDO Pay's advantage is ratings volume (1.7K vs 1). On price, review sentiment, update cadence and ads 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 4.8. That said, the two scores are not equally well evidenced: BDO Pay has 1.7K 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 31% of BDO Pay's.
Both ship on a similar rhythm, roughly monthly. The most recent releases landed on October 10, 2026 and October 15, 2026 respectively.
| Parameter | TOP.ph | BDO Pay |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (1 ratings) — better | 4.8 (1.7K ratings) |
| Positive reviews | 33.3% of reviews — better | 30.8% of reviews |
| Number of ratings | 1 | 1.7K — better |
| Update frequency | Monthly | Monthly |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone | iPhone, iPod — better |
| Requires iOS | 16.0 | 15.0 — better |
| Further details — not scored | ||
| Size | 196 MB | 576 MB |
| Age rating | 4+ | 4+ |
| Developer | The Orange Platform | BDO Unibank, Inc. |
Customer experience
TOP.ph
BDO Pay
In-app purchases
TOP.ph
No in-app purchases
BDO Pay
No in-app purchases
