# BPI vs MSB Digital Bank

BPI and MSB Digital Bank both sit at 4.8 stars, but that hides the real split: 93% of MSB Digital Bank's written reviews are positive against 27% of BPI's. MSB Digital Bank also leads on update cadence (fortnightly vs every 2 months). BPI's advantage is ratings volume (17K vs 46). On price, rating, ads and in-app purchases 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 MSB Digital Bank. That said, the two scores are not equally well evidenced: BPI has 17K ratings behind it against 46, 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 93% of MSB Digital Bank's.

BPI ships an update every 2 months, MSB Digital Bank fortnightly. The most recent releases landed on October 18, 2026 and October 14, 2026 respectively.

## The numbers

| Metric | BPI | MSB Digital Bank |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (17K ratings)](https://appshunter.io/ios/app/bpi/id6443950982/reviews) | [4.8 (46 ratings)](https://appshunter.io/ios/app/msb-digital-bank/id6740115468/reviews) |
| Number of ratings | **17K** | 46 |
| Positive reviews | 27.0% of reviews | **93.3% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Fortnightly** |
| Monetization | Free | Free |
| Size | 197 MB | 252 MB |
| Requires iOS | 16.0 | **15.6** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Bank of the Philippine Islands](https://appshunter.io/developer/459690073) | [Vietnam Maritime Commercial Joint Stock Bank](https://appshunter.io/developer/1448568155) |

## 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


### MSB Digital Bank

[App page](https://appshunter.io/ios/app/msb-digital-bank/id6740115468)

This digital banking app offers a secure and convenient way to manage your finances. Open accounts online, enjoy fee-free transactions, and access attractive savings rates. It also provides bill payment, expense tracking, and exclusive partner offers.

**Highlights:** 1-minute online account opening, Free lifetime transactions, Attractive online savings rates, Automated bill payments, Expense tracking, ATM and branch locator, Exclusive partner discounts

**Features:** Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is BPI free?

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

### Is MSB Digital Bank free?

MSB Digital Bank is free to download, with no in-app purchases.

### Which has better reviews, BPI or MSB Digital Bank?

BPI and MSB Digital Bank are both rated 4.8 out of 5 on the App Store, from 17K and 46 ratings respectively.

### Do BPI or MSB Digital Bank have ads?

Neither BPI nor MSB Digital Bank shows ads.

### Which is updated more often, BPI or MSB Digital Bank?

BPI ships an update every 2 months, and MSB Digital Bank fortnightly. Most recently, BPI was updated on October 18, 2026 and MSB Digital Bank on October 14, 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.*