VYBE by BPI vs BDO Pay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
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 rating: BDO Pay at 4.8 against VYBE by BPI's 1.0. BDO Pay also leads on review sentiment (31% vs 0%) and ratings volume (1.2K vs 56). VYBE by BPI's advantage is monetization model (free vs free with in-app purchases) and iOS requirement (12 vs 15.0). 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.
BDO Pay holds the better App Store score, 4.8 against 1.0. That said, the two scores are not equally well evidenced: BDO Pay has 1.2K ratings behind it against 56, so its average is the more settled of the two. Written reviews point the same way: 0% of VYBE by BPI's written reviews are positive against 31% of BDO Pay's.
VYBE by BPI ships an update every 5 weeks, BDO Pay monthly. The most recent releases landed on September 10, 2026 and September 30, 2026 respectively.
| Parameter | VYBE by BPI | BDO Pay |
|---|---|---|
| Price | Free | Free |
| Rating | 1.0 (56 ratings) | 4.8 (1.2K ratings) — better |
| Positive reviews | 0.0% of reviews | 30.8% of reviews — better |
| Number of ratings | 56 | 1.2K — better |
| Update frequency | Every 5 weeks | Monthly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 12 — better | 15.0 |
| Further details — not scored | ||
| Size | 118 MB | 574 MB |
| Age rating | 4+ | 4+ |
| Developer | Bank of the Philippine Islands | BDO Unibank, Inc. |
Customer experience
VYBE by BPI
BDO Pay
Bugs and 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
Show 28 moreShow fewer
- 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
BDO Pay
Not enough reviews yet to summarise bugs or requests.
In-app purchases
VYBE by BPI
No in-app purchases
BDO Pay
No in-app purchases
Questions
Is VYBE by BPI free?
Is BDO Pay free?
Which has better reviews, VYBE by BPI or BDO Pay?
Do VYBE by BPI or BDO Pay have ads?
Which is updated more often, VYBE by BPI or BDO Pay?
Other comparisons
