# Virtual Pag vs ATRAM PERA

The clearest difference is update cadence: ATRAM PERA at monthly against Virtual Pag's every 2 months. 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.

Virtual Pag ships an update every 2 months, ATRAM PERA monthly. The most recent releases landed on October 24, 2026 and October 8, 2026 respectively.

## The numbers

| Metric | Virtual Pag | ATRAM PERA |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[2.9 (14 ratings)](https://appshunter.io/ios/app/virtual-pag-ibig/id6444034285/reviews)** | — |
| Number of ratings | **14** | — |
| Positive reviews | 0.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Monthly** |
| Monetization | Free | — |
| Size | 147 MB | 79 MB |
| Requires iOS | **14.0** | 15.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 17+ |
| Developer | [Pag-IBIG Fund](https://appshunter.io/developer/1651750152) | [ATRAM Trust Corporation](https://appshunter.io/developer/1571096759) |

## 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


### ATRAM PERA

[App page](https://appshunter.io/ios/app/atram-pera/id6502898322)

**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 ATRAM PERA free?

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

### Do Virtual Pag or ATRAM PERA have ads?

Neither Virtual Pag nor ATRAM PERA shows ads.

### Which is updated more often, Virtual Pag or ATRAM PERA?

Virtual Pag ships an update every 2 months, and ATRAM PERA monthly. Most recently, Virtual Pag was updated on October 24, 2026 and ATRAM PERA on October 8, 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.*