Comparison

BPI vs AFPPGMC Heroes

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

Head to head
About

BPI

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
Read full description

Welcome to the BPI app! Managing your money has never been easier. Access your accounts, transfer funds, pay bills, invest, and more, wherever you are. The BPI app gives you secure and convenient banking right at your fingertips. FREE TRANSFERS TO BANKS AND E-WALLETS Easily transfer money between your BPI accounts, send money to other BPI accounts, or transfer funds to other local banks and e-wallets via PesoNet and InstaPay for free. Save time by setting up Favorites for frequently used recipients. PAY BILLS ANYTIME Settle bills anytime with thousands of billers to choose from. Schedule recurring payments ahead of time so you never miss a due date. PAY WITH QR PH Skip the cash-in and pay directly from your BPI account. Simply scan any QR Ph code at participating merchants. UNDERSTAND YOUR SPENDING BETTER Get personalized insights based on your transactions and app activity to help you manage your spending, make informed financial decisions, and stay on track with your goals. OPEN AN ACCOUNT IN MINUTES Open a BPI Savings Account using your National ID and selfie verification. No branch visit required. Once approved, you can immediately access BPI digital banking services. INVEST AND GROW YOUR MONEY Grow your wealth and secure your future with BPI investment products. View and manage your investments in one place and conveniently set up or amend your Regular Subscription Plan (RSP) directly in the app. Eligible clients can also access their BPI Privilege Cards and exclusive experiences through the app. TAKE CONTROL OF YOUR SECURITY Enjoy added security with customizable transaction limits and Mobile Key authorization. Securely approve transactions using your device's biometric credentials. You can also log in to BPI online on a web browser using the QR Scanner in the app when Mobile Key is unavailable. Manage your cards anytime and enjoy greater control and protection for your everyday banking activities. BANK WITHOUT VISITING A BRANCH Access a growing range of services directly in the app: • Order a Debit Card • Open a New Account • Open a Time Deposit Account • Reorder Checkbooks • Stop Check Payment Orders • Download Statements of Account • Download Wealth Portfolio Statements • Update Mobile Number • Manage Trusted Devices • Temporarily or Permanently Block Debit or Credit Cards • Check Deposit (available to eligible customers) • Cardless Withdrawal • Buy and Sell USD • Credit-to-Cash and Balance Conversion for eligible customers • Partner Store Transactions (Deposit or Withdraw) UNLOCK PERSONALIZED OFFERS Enjoy exclusive offers, rewards, and promotions available through the BPI app. Receive personalized deals and experiences designed for BPI customers. ABOUT BPI As one of the largest banks in the Philippines, The Bank of the Philippine Islands has a long-standing reputation for providing trusted and reliable financial services. Through continuous innovation and digital transformation, BPI delivers secure, convenient, and customer-focused banking solutions that help millions of Filipinos achieve their financial goals. BPI was recognized by FinanceAsia as Best Financial Company and Best Overall Company in the Philippines. With the BPI app, you can bank with confidence knowing your transactions are protected by robust security features. The app is continuously enhanced with new features and improvements designed to make banking simpler, safer, and more convenient every day. Download the BPI app and make every day better with BPI.

About

AFPPGMC Heroes

Read full description

Easily submit requests for Updating, Resumption of Pension, Restoration of Pension, Transfer of Pension, or Declaration of Legal Beneficiary. Upload required documents, track your application status in real time, and receive notifications, all in one app.

Screenshots

BPI4 screens
AFPPGMC Heroes4 screens

Verdict

The call

The clearest difference is update cadence: AFPPGMC Heroes at every 3 weeks against BPI's every 2 months. On price, ads, in-app purchases and device support 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.

UpkeepUpdate frequency

BPI ships an update every 2 months, AFPPGMC Heroes every 3 weeks. The most recent releases landed on October 19, 2026 and October 18, 2026 respectively.

Scorecard1 real difference · 9 level
BPI versus AFPPGMC Heroes: the parameters behind the verdict, then further details
ParameterBPIAFPPGMC Heroes
PriceFreeFree
Rating4.8 (17K ratings) — better—
Positive reviews27.0% of reviews—
Number of ratings17K — better—
Update frequencyEvery 2 monthsEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS16.015.1 — better
Further details — not scored
Size197 MB37 MB
Age rating4+4+
DeveloperBank of the Philippine IslandsAFPPGMC

Bugs and requests

BPI

Reported bugs

4 issues
  • Unable to register device
  • OTP not received
  • Transactions not processing
  • Compatibility issues with newer devices

Requested features

4 requests
  • Allow multiple device registration
  • Provide email-based OTP option
  • Restore copy-paste functionality
  • Add dark mode option

AFPPGMC Heroes

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

BPI

No in-app purchases

None

AFPPGMC Heroes

No in-app purchases

Questions

Is BPI free?
BPI is free to download, with no in-app purchases.
Is AFPPGMC Heroes free?
AFPPGMC Heroes is free to download, with no in-app purchases.
Do BPI or AFPPGMC Heroes have ads?
Neither BPI nor AFPPGMC Heroes shows ads.
Which is updated more often, BPI or AFPPGMC Heroes?
BPI ships an update every 2 months, and AFPPGMC Heroes every 3 weeks. Most recently, BPI was updated on October 19, 2026 and AFPPGMC Heroes on October 18, 2026.

Other comparisons