# Virtual Pag vs BDO Pay

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.

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.

## The numbers

| Metric | Virtual Pag | BDO Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.8 (13 ratings)](https://appshunter.io/ios/app/virtual-pag-ibig/id6444034285/reviews) | **[4.8 (1.2K ratings)](https://appshunter.io/ios/app/bdo-pay/id6450918577/reviews)** |
| Number of ratings | 13 | **1.2K** |
| Positive reviews | 0.0% 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 | 132 MB | 574 MB |
| Requires iOS | **13.1** | 15.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Pag-IBIG Fund](https://appshunter.io/developer/1651750152) | [BDO Unibank, Inc.](https://appshunter.io/developer/673015233) |

## What reviewers say

### 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


### 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 Virtual Pag free?

Virtual Pag 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, Virtual Pag or BDO Pay?

BDO Pay is rated higher. Virtual Pag averages 2.8 out of 5 from 13 ratings, while BDO Pay averages 4.8 from 1.2K ratings.

### Do Virtual Pag or BDO Pay have ads?

Neither Virtual Pag nor BDO Pay shows ads.

### Which is updated more often, Virtual Pag or BDO Pay?

Virtual Pag ships an update every 2 months, and BDO Pay monthly. Most recently, Virtual Pag was updated on August 7, 2026 and BDO Pay on September 30, 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.*