# TOP.ph vs BDO Pay

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.

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 17, 2026 respectively.

## The numbers

| Metric | TOP.ph | BDO Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (1 ratings)](https://appshunter.io/ios/app/topph/id1588845879/reviews)** | [4.8 (1.7K ratings)](https://appshunter.io/ios/app/bdo-pay/id6450918577/reviews) |
| Number of ratings | 1 | **1.7K** |
| Positive reviews | **33.3% of reviews** | 30.8% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | Monthly |
| Monetization | **Free** | Free with in-app purchases |
| Size | 196 MB | 576 MB |
| Requires iOS | 16.0 | **15.0** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [The Orange Platform](https://appshunter.io/developer/1710301765) | [BDO Unibank, Inc.](https://appshunter.io/developer/673015233) |

## 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


### 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 TOP.ph free?

TOP.ph 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, TOP.ph or BDO Pay?

TOP.ph is rated higher. TOP.ph averages 5.0 out of 5 from 1 ratings, while BDO Pay averages 4.8 from 1.7K ratings.

### Do TOP.ph or BDO Pay have ads?

Neither TOP.ph nor BDO Pay shows ads.

### Which is updated more often, TOP.ph or BDO Pay?

TOP.ph ships an update monthly, and BDO Pay monthly. Most recently, TOP.ph was updated on October 10, 2026 and BDO Pay on October 17, 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.*