# GCash vs BPI

The clearest difference is rating: BPI at 4.8 against GCash's 3.3. BPI also leads on monetization model (free vs free with in-app purchases) and review sentiment (26% vs 8%). GCash's advantage is update cadence (every 3 weeks vs every 2 months). On price, ads, in-app purchases and device support there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

BPI holds the better App Store score, 4.8 against 3.3. That said, the two scores are not equally well evidenced: BPI has 17K ratings behind it against 2.8K, so its average is the more settled of the two. Written reviews point the same way: 8% of GCash's written reviews are positive against 26% of BPI's.

GCash ships an update every 3 weeks, BPI every 2 months. Both last shipped on September 27, 2026.

## The numbers

| Metric | GCash | BPI |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.3 (2.8K ratings)](https://appshunter.io/ios/app/gcash/id520020791/reviews) | **[4.8 (17K ratings)](https://appshunter.io/ios/app/bpi/id6443950982/reviews)** |
| Number of ratings | 2.8K | **17K** |
| Positive reviews | 8.2% of reviews | **26.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Every 2 months |
| Monetization | Free with in-app purchases | **Free** |
| Size | 520 MB | 197 MB |
| Requires iOS | **15.0** | 16.0 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [MYNT, INC.](https://appshunter.io/developer/1358216761) | [Bank of the Philippine Islands](https://appshunter.io/developer/459690073) |

## What reviewers say

### GCash

[App page](https://appshunter.io/ios/app/gcash/id520020791)

Send money instantly to the Philippines, pay over 2000 bills, and manage your finances from abroad. Link your US bank account, save with high interest rates, and scan to pay securely. Stay connected and support loved ones with ease.

**Highlights:** Instant money transfers, Pay over 2000 bills, Link US bank accounts, Earn interest on savings, Scan to pay with QR, Secure bank transfers

**In-app purchases:** none

**What reviewers like**

- ✨ Convenient and easy to use
- 💰 Rebates and discounts for transactions
- 🚀 Fast money transfers and bill payments
- 🌍 Accessible for overseas Filipinos

**What reviewers complain about**

- 🐛 Frequent app crashes and errors
- 🤖 Unhelpful and slow customer support
- 🔒 Security and verification issues
- 💰 Expensive transaction fees

**Reported bugs**

- Unable to receive OTP for login/transactions
- Verification process frequently fails
- Inconsistent app performance and stability
- Funds disappearing from accounts without explanation

**Requested features**

- Add support for international bank accounts
- Improve OTP delivery for overseas users
- Implement biometric authentication options
- Provide more transparency on transaction history


### BPI

[App page](https://appshunter.io/ios/app/bpi/id6443950982)

Manage your finances on the go with this comprehensive banking application. Open accounts, transfer funds, pay bills, and utilize QR payments. Features include AI-powered financial planning, investment services, and secure transaction authorization.

**Highlights:** Online account opening, QR payments, Money transfers, Scheduled transactions, AI personal finance manager, Investment services, Mobile key for authorization

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

**In-app purchases:** none

**What reviewers like**

- 🚀 Smooth transfer experience
- 🔒 Secure authentication
- 👍 Convenient mobile banking
- 🙌 Improved app design

**What reviewers complain about**

- 🐛 Frequent crashes
- 🤯 Frustrating registration process
- 🤔 Confusing UI changes
- 🙅‍♀️ Not OFW-friendly
- 💔 Downgrade from previous app

**Reported bugs**

- Unable to register device
- OTP not received
- Transactions not processing
- Compatibility issues with newer devices

**Requested features**

- Allow multiple device registration
- Provide email-based OTP option
- Restore copy-paste functionality
- Add dark mode option


## Frequently asked questions

### Is GCash free?

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

### Is BPI free?

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

### Which has better reviews, GCash or BPI?

BPI is rated higher. GCash averages 3.3 out of 5 from 2.8K ratings, while BPI averages 4.8 from 17K ratings.

### Do GCash or BPI have ads?

Neither GCash nor BPI shows ads.

### Which is updated more often, GCash or BPI?

GCash ships an update every 3 weeks, and BPI every 2 months. Most recently, GCash was updated on September 27, 2026 and BPI on September 27, 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.*