# PayPal vs Virtual Pag

The clearest difference is rating: PayPal at 4.8 against Virtual Pag's 2.9. PayPal also leads on update cadence (weekly vs every 2 months) and ratings volume (6.3M vs 14). Virtual Pag's advantage is ads (none vs shown) and monetization model (free vs free with in-app purchases). On price 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.

PayPal holds the better App Store score, 4.8 against 2.9. That said, the two scores are not equally well evidenced: PayPal has 6.3M ratings behind it against 14, so its average is the more settled of the two. Written reviews point the same way: 21% of PayPal's written reviews are positive against 0% of Virtual Pag's.

PayPal ships an update weekly, Virtual Pag every 2 months. The most recent releases landed on November 1, 2026 and October 25, 2026 respectively.

## The numbers

| Metric | PayPal | Virtual Pag |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (6.3M ratings)](https://appshunter.io/ios/app/paypal-pay-send-save/id283646709/reviews)** | [2.9 (14 ratings)](https://appshunter.io/ios/app/virtual-pag-ibig/id6444034285/reviews) |
| Number of ratings | **6.3M** | 14 |
| Positive reviews | **20.7% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | **Weekly** | Every 2 months |
| Monetization | Free with in-app purchases | **Free** |
| Best chart rank | **#5** | — |
| Size | 799 MB | 147 MB |
| Requires iOS | 17.4 | **14.0** |
| Devices | iPhone | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [PayPal, Inc.](https://appshunter.io/developer/283646712) | [Pag-IBIG Fund](https://appshunter.io/developer/1651750152) |

## What reviewers say

### PayPal

[App page](https://appshunter.io/ios/app/paypal-pay-send-save/id283646709)

**Currently charting:** #5 Top Free · Finance, #57 Top Free (US App Store)

Manage your finances with a secure app for online and in-store shopping, sending money globally, and earning cash back. It also offers savings accounts, cryptocurrency trading, and package tracking.

**Highlights:** Send and receive money globally, Earn cash back offers, Request a debit card, Buy, sell, and hold cryptocurrency, High-yield savings accounts, Track packages

**Features:** Safari Extension, Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Extremely effective and reliable crypto recovery service
- 🔒 Secure payment processing
- 💰 Convenient way to send and receive money
- 👍 Easy to use app with simple interface

**What reviewers complain about**

- 🐛 Inconsistent customer support responses
- 🕰️ Slow money transfer times
- 💳 Holds on funds for new accounts
- 🤖 Overly automated with lack of human interaction

**Reported bugs**

- Account limitations and freezes with unclear reasons
- Issues linking bank accounts and cards
- Problems with refunds and chargebacks

**Requested features**

- Faster money transfers
- More transparent policies and fees
- Improved dispute resolution process
- Better customer service accessibility


### Virtual Pag

[App page](https://appshunter.io/ios/app/virtual-pag-ibig/id6444034285)

Access your Pag-IBIG Fund records, including savings and loans, directly from your mobile device. Make online payments, apply for short-term loans, and monitor your loan status with ease.

**Highlights:** View savings and MP2 records, Monitor loan balances, Track payments, Apply for short-term loans, Online payment options, Check loan status

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

**In-app purchases:** none


## Frequently asked questions

### Is PayPal free?

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

### Is Virtual Pag free?

Virtual Pag is free to download, with no in-app purchases.

### Which has better reviews, PayPal or Virtual Pag?

PayPal is rated higher. PayPal averages 4.8 out of 5 from 6.3M ratings, while Virtual Pag averages 2.9 from 14 ratings.

### Do PayPal or Virtual Pag have ads?

PayPal shows ads; Virtual Pag does not.

### Which is updated more often, PayPal or Virtual Pag?

PayPal ships an update weekly, and Virtual Pag every 2 months. Most recently, PayPal was updated on November 1, 2026 and Virtual Pag on October 25, 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.*