Comparison

AUB vs Virtual Pag

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

Virtual Pag

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
Read full description

The official mobile app of Pag-IBIG Fund The Virtual Pag-IBIG Mobile App lets you instantly view your Pag-IBIG records, pay online, apply for a short-term loan, and know your loan status – all on your phone or tablet! Enjoy the convenience of easy access with the Virtual Pag-IBIG Mobile App. Install now to feel Pag-IBIG everywhere you go! VIEW YOUR RECORDS • Check your Regular Savings • See your Modified Pag-IBIG 2 (MP2) grow • Monitor annual dividends earned by your Pag-IBIG Regular Savings and MP2 Savings • Track your payments and check the outstanding balance of your loans anytime For more information, go to www.pagibigfund.gov.ph, call 8Pag-IBIG or (02) 8724-4242, or send an e-mail to contactus@pagibigfundgov.ph.

Screenshots

AUB4 screens
Virtual Pag4 screens

Verdict

The call

The clearest difference is review sentiment: AUB at 62% against Virtual Pag's 0%. AUB also leads on rating (4.8 vs 2.8) and ratings volume (574 vs 13). Virtual Pag's advantage is iOS requirement (13.1 vs 15.0). On price, ads, in-app purchases and monetization model 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 574 ratings behind it against 13, 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 0% of Virtual Pag's.

UpkeepUpdate frequency

AUB ships an update every 3 weeks, Virtual Pag every 2 months. The most recent releases landed on September 23, 2026 and August 7, 2026 respectively.

Scorecard5 real differences · 5 level
AUB versus Virtual Pag: the parameters behind the verdict, then further details
ParameterAUBVirtual Pag
PriceFreeFree
Rating4.8 (574 ratings) — better2.8 (13 ratings)
Positive reviews61.9% of reviews — better0.0% of reviews
Number of ratings574 — better13
Update frequencyEvery 3 weeks — betterEvery 2 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS15.013.1 — better
Further details — not scored
Size50 MB132 MB
Age rating4+4+
DeveloperAsia United BankPag-IBIG Fund

Customer experience

AUB

All ratings574 ratings
Positive95.8%
Neutral1.6%
Negative2.6%
Written reviews63 reviews
Positive61.9%
Neutral6.3%
Negative31.7%

Virtual Pag

All ratings13 ratings
Positive38.5%
Neutral7.7%
Negative53.8%
Written reviews11 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

In-app purchases

None

AUB

No in-app purchases

None

Virtual Pag

No in-app purchases

Questions

Is AUB free?
AUB 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, AUB or Virtual Pag?
AUB is rated higher. AUB averages 4.8 out of 5 from 574 ratings, while Virtual Pag averages 2.8 from 13 ratings.
Do AUB or Virtual Pag have ads?
Neither AUB nor Virtual Pag shows ads.
Which is updated more often, AUB or Virtual Pag?
AUB ships an update every 3 weeks, and Virtual Pag every 2 months. Most recently, AUB was updated on September 23, 2026 and Virtual Pag on August 7, 2026.

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