# BPI vs BDO Pay

The clearest difference is monetization model: BPI at free against BDO Pay's free with in-app purchases. BPI also leads on ratings volume (17K vs 1.7K). BDO Pay's advantage is update cadence (monthly vs every 2 months). On price, rating, review sentiment and ads there is nothing between them.

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

On the App Store both sit at effectively the same score — 4.8 for BPI against 4.8 for BDO Pay. That said, the two scores are not equally well evidenced: BPI has 17K ratings behind it against 1.7K, so its average is the more settled of the two. Written reviews are what separate them: 27% of BPI's written reviews are positive against 31% of BDO Pay's.

BPI ships an update every 2 months, BDO Pay monthly. The most recent releases landed on October 13, 2026 and October 12, 2026 respectively.

## The numbers

| Metric | BPI | BDO Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (17K ratings)](https://appshunter.io/ios/app/bpi/id6443950982/reviews) | [4.8 (1.7K ratings)](https://appshunter.io/ios/app/bdo-pay/id6450918577/reviews) |
| Number of ratings | **17K** | 1.7K |
| Positive reviews | 26.9% of reviews | **30.8% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Monthly** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 197 MB | 576 MB |
| Requires iOS | 16.0 | **15.0** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Bank of the Philippine Islands](https://appshunter.io/developer/459690073) | [BDO Unibank, Inc.](https://appshunter.io/developer/673015233) |

## What reviewers say

### 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


### BDO Pay

[App page](https://appshunter.io/ios/app/bdo-pay/id6450918577)

This app allows users to make payments, send money, and pay bills directly from their bank accounts or credit cards without needing to cash in. It offers features like QR code payments, free transfers to BDO accounts, and bill payments with no service fees.

**Highlights:** Scan QR Ph codes, Send money for free to BDO accounts, Pay bills with no service fees, Request money from users, Split bills, Buy load, QR withdrawals and deposits

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

**In-app purchases:** none


## Frequently asked questions

### Is BPI free?

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

### Is BDO Pay free?

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

### Which has better reviews, BPI or BDO Pay?

BPI and BDO Pay are both rated 4.8 out of 5 on the App Store, from 17K and 1.7K ratings respectively.

### Do BPI or BDO Pay have ads?

Neither BPI nor BDO Pay shows ads.

### Which is updated more often, BPI or BDO Pay?

BPI ships an update every 2 months, and BDO Pay monthly. Most recently, BPI was updated on October 13, 2026 and BDO Pay on October 12, 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.*