Comparison

AUB vs OwnBank

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

AUB

This mobile banking application allows users to manage their accounts, transfer funds, pay bills, and apply for loans conveniently. It offers features like virtual teller services, check management, and credit card access. Users can also locate branches and manage remittances.

Highlights
  • Mobile banking account access
  • Fund transfers via InstaPay and PESONet
  • Online bills payment
  • Virtual teller queueing
  • PDC management
  • Credit card management
  • Loan application
Features
Read full description

Asia United Bank (AUB) is among the fastest-growing publicly listed universal banks in the Philippines. AUB is known for financial strength and delivery of superior innovative products and services, driven towards total customer satisfaction. The AUB Mobile App takes off from AUB's existing online banking web application and is optimized to give AUB clients a rich, fast, and convenient mobile user experience. Bring Banking with You with the AUB Mobile App! Key Features: Access your Mobile Banking Account Wherever you Are Enroll your existing AUB Preferred Accounts to AUB’s Mobile Banking without visiting the Branch. Transfer funds safely from home Send funds to other AUB accounts or other Banks via InstaPay and PESONet. Pay Bills online so you don’t need to wait in line Experience convenient bills payment online to accredited Billers. Your Virtual Teller On-The-Go Queue your transactions ahead of time to use AUB’s Fast Lane when visiting any AUB branch. PDC Management Made Easy Manage, Re-deposit or Pull Out AUB Checks with ease without visiting the bank. More features for the on-the-go you! Safe and secured transactions with your Security Token, Buy and sell FX, request for Checkbook, Buy Load and more! Manage your AUB Credit Card, any time Access your credit card details, apply for installment programs, view promos and more! Loan Application at your Fingertips Experience a seamless loan application for car and big bike or apply through CASHelp for a multi-purpose salary loan. Branch Locator Locate the AUB Branch near you using the Branch Locator feature. Remittance View transaction inquiries and locate remittance centers worldwide. Experience banking convenience with AUB!

About

OwnBank

Manage all your financial needs with a transparent and easy-to-use platform. Open an account online in minutes, manage multiple accounts, build wealth with simple deposits, and enjoy free money transfers to friends and family.

Highlights
  • Open account online in 10 minutes
  • Manage multiple accounts easily
  • Build wealth with simple deposits
  • Open time deposit accounts
  • Free money transfers
  • Transparent and easy finances
Features
Read full description

One App for all your financial needs By being an OwnBank user, you can bid farewell to the complicated processes and long waits of traditional finances. In turn, experience transparent and easy finances! Open an account online in 10 minutes! Skip the hassle of going to a bank. All you need are a smartphone and an ID, open your OwnBank account anywhere Manage multiple accounts easily Check your balance with a click. View your income, expense, and types of account at a glance Build wealth one step ahead of others Deposit from ₱1, simple and secure. Open time deposit accounts Earn more easily, every day! Free Transfer to your family and friends! Send money to family, friends, and colleagues as quick as texting for FREE. Contact us: Website: ownbank.com.ph E-mail: cs@ownbank.com.ph Phone: +63 (046) 431 2066

Screenshots

AUB4 screens
OwnBank4 screens

Verdict

The call

The clearest difference is rating: AUB at 4.8 against OwnBank's 2.8. AUB also leads on review sentiment (62% vs 38%) and ratings volume (589 vs 8). 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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

AUB holds the better App Store score, 4.8 against 2.8. That said, the two scores are not equally well evidenced: AUB has 589 ratings behind it against 8, so its average is the more settled of the two. Written reviews point the same way: 62% of AUB's written reviews are positive against 38% of OwnBank's.

UpkeepUpdate frequency

AUB ships an update every 3 weeks, OwnBank fortnightly. The most recent releases landed on October 29, 2026 and October 24, 2026 respectively.

Scorecard3 real differences · 7 level
AUB versus OwnBank: the parameters behind the verdict, then further details
ParameterAUBOwnBank
PriceFreeFree
Rating4.8 (589 ratings) — better2.8 (8 ratings)
Positive reviews61.9% of reviews — better37.5% of reviews
Number of ratings589 — better8
Update frequencyEvery 3 weeksFortnightly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.015.0
Further details — not scored
Size47 MB120 MB
Age rating4+4+
DeveloperAsia United BankOWN BANK, THE RURAL BANK OF CAVITE CITY, INC.

Customer experience

AUB

All ratings586 ratings
Positive95.6%
Neutral1.7%
Negative2.7%
Written reviews63 reviews
Positive61.9%
Neutral6.3%
Negative31.7%

OwnBank

All ratings8 ratings
Positive37.5%
Neutral12.5%
Negative50.0%
Written reviews8 reviews
Positive37.5%
Neutral0.0%
Negative62.5%

In-app purchases

None

AUB

No in-app purchases

None

OwnBank

No in-app purchases

Questions

Is AUB free?
AUB is free to download, with no in-app purchases.
Is OwnBank free?
OwnBank is free to download, with no in-app purchases.
Which has better reviews, AUB or OwnBank?
AUB is rated higher. AUB averages 4.8 out of 5 from 589 ratings, while OwnBank averages 2.8 from 8 ratings.
Do AUB or OwnBank have ads?
Neither AUB nor OwnBank shows ads.
Which is updated more often, AUB or OwnBank?
AUB ships an update every 3 weeks, and OwnBank fortnightly. Most recently, AUB was updated on October 29, 2026 and OwnBank on October 24, 2026.

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