Virtual Pag vs BDO Pay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- View savings and MP2 records
- Monitor loan balances
- Track payments
- Apply for short-term loans
- Online payment options
- Check loan status
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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.
BDO Pay
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.
- 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
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No fees on ALL transactions. No cash-in needed. No hassle. BDO Pay Mo Na! Pay directly from your BDO Bank Account or Credit Card and enjoy a seamless payment experience with BDO Pay. More reasons to love BDO Pay • Manage your BDO Credit Card and explore available Installment Offers. • View and redeem Rewards Points anytime, anywhere. • Enjoy exclusive BDO Deals and Promos for BDO Debit and Credit Cardholders. • Withdraw for free at any QR-enabled BDO ATM nationwide. • Lock or unlock your BDO Debit or Credit Card and manage limits with ease. • Open a Basic Account with no initial deposit and no maintaining balance required. BDO Unibank, Inc. is regulated by the Bangko Sentral ng Pilipinas: https://www.bsp.gov.ph. For inquiries and concerns, please reach us through https://www.bdo.com.ph/consumer-assistance. Deposits are insured by PDIC up to P1 Million per depositor. The BDO, BDO Unibank and other BDO-related trademarks are owned by BDO Unibank, Inc. All Rights Reserved.
Screenshots
Verdict
The clearest difference is rating: BDO Pay at 4.8 against Virtual Pag's 2.8. BDO Pay also leads on review sentiment (31% vs 0%) and ratings volume (1.2K vs 13). Virtual Pag's advantage is monetization model (free vs free with in-app purchases) and iOS requirement (13.1 vs 15.0). 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
BDO Pay holds the better App Store score, 4.8 against 2.8. That said, the two scores are not equally well evidenced: BDO Pay has 1.2K ratings behind it against 13, so its average is the more settled of the two. Written reviews point the same way: 0% of Virtual Pag's written reviews are positive against 31% of BDO Pay's.
Virtual Pag ships an update every 2 months, BDO Pay monthly. The most recent releases landed on August 7, 2026 and September 30, 2026 respectively.
| Parameter | Virtual Pag | BDO Pay |
|---|---|---|
| Price | Free | Free |
| Rating | 2.8 (13 ratings) | 4.8 (1.2K ratings) — better |
| Positive reviews | 0.0% of reviews | 30.8% of reviews — better |
| Number of ratings | 13 | 1.2K — better |
| Update frequency | Every 2 months | Monthly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 13.1 — better | 15.0 |
| Further details — not scored | ||
| Size | 132 MB | 574 MB |
| Age rating | 4+ | 4+ |
| Developer | Pag-IBIG Fund | BDO Unibank, Inc. |
Customer experience
Virtual Pag
BDO Pay
In-app purchases
Virtual Pag
No in-app purchases
BDO Pay
No in-app purchases
