# AUB vs Virtual Pag

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.

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

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.

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.

## The numbers

| Metric | AUB | Virtual Pag |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (574 ratings)](https://appshunter.io/ios/app/aub/id569043312/reviews)** | [2.8 (13 ratings)](https://appshunter.io/ios/app/virtual-pag-ibig/id6444034285/reviews) |
| Number of ratings | **574** | 13 |
| Positive reviews | **61.9% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Every 2 months |
| Monetization | Free | Free |
| Size | 50 MB | 132 MB |
| Requires iOS | 15.0 | **13.1** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Asia United Bank](https://appshunter.io/developer/1334533311) | [Pag-IBIG Fund](https://appshunter.io/developer/1651750152) |

## What reviewers say

### AUB

[App page](https://appshunter.io/ios/app/aub/id569043312)

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:** Vision Pro support

**In-app purchases:** none


### 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 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*