Xtrade vs BPI
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Xtrade
Access a comprehensive trading platform on your mobile device. Trade popular financial instruments with fast execution and robust security. Manage your account, set orders, and stay informed with financial news and economic event notifications.
- Trade financial instruments
- Fast execution
- Manage positions and orders
- Check account balances and P&L
- Economic event notifications
- Financial news and updates
- 24-hour support
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Trade anytime, anywhere with Xtrade powerful trading App. Open your free account today and trade on the world’s most popular financial instruments Downloading and installing the Xtrade App is simple, easy and absolutely ad-free. Your security and privacy are our top priority. Xtrade is trusted by users worldwide and is regulated CySEC and ASIC. Enjoy the ultimate mobile trading experience when you access your Xtrade trading account from your phone • Fast Executions • Open, View, and Edit Positions • Check Account Balances and P&L • Set Stop Loss, Take Profit and Limit Orders • Fast Profits Withdrawals • Economic Event Notifications • Financial News and Updates • Fully licensed and regulated broker • 24-Hour multi language Support & Personal Trading Consultations • Award-winning trading platform Xtrade - Trade like a pro! Your capital is at risk.
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.
- Online account opening
- QR payments
- Money transfers
- Scheduled transactions
- AI personal finance manager
- Investment services
- Mobile key for authorization
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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.
Screenshots
Verdict
The clearest difference is rating: BPI at 4.8 against Xtrade's 3.6. BPI also leads on ads (none vs shown) and monetization model (free vs free with in-app purchases). Xtrade's advantage is update cadence (every 4 weeks vs every 2 months) and iOS requirement (13.4 vs 16.0). On price, review sentiment, 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.
BPI holds the better App Store score, 4.8 against 3.6. That said, the two scores are not equally well evidenced: BPI has 18K ratings behind it against 14, so its average is the more settled of the two. Written reviews complicate that: 30% of Xtrade's written reviews are positive against 28% of BPI's, so the app with the better star average is not the one people write more warmly about.
Xtrade ships an update every 4 weeks, BPI every 2 months. The most recent releases landed on October 20, 2026 and October 26, 2026 respectively.
| Parameter | Xtrade | BPI |
|---|---|---|
| Price | Free | Free |
| Rating | 3.6 (14 ratings) | 4.8 (18K ratings) — better |
| Positive reviews | 29.9% of reviews — better | 28.0% of reviews |
| Number of ratings | 14 | 18K — better |
| Update frequency | Every 4 weeks — better | Every 2 months |
| Ads | Yes | No — better |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone, iPad, iPod — better | iPhone, iPad |
| Requires iOS | 13.4 — better | 16.0 |
| Further details — not scored | ||
| Size | 88 MB | 197 MB |
| Age rating | 17+ | 4+ |
| Developer | XTRADE EUROPE LTD | Bank of the Philippine Islands |
Customer experience
Xtrade
BPI
User reviews
Xtrade
From 14 App Store ratingsWhat we love
- 👍 Good advice and knowledge
- 👍 Strong knowledge from account managers
- 👍 Good results and withdrawals
- 👍 Powerful platform
- 👍 Excellent and committed account managers
Room to improve
- 😞 Scam allegations
- 😞 Disappointment expected
- 😞 Not safe
- 😞 Rubbish and thieves
- 😞 Absolute nightmare
BPI
From 18K App Store ratingsWhat we love
- 🚀 Smooth transfer experience
- 🔒 Secure authentication
- 👍 Convenient mobile banking
- 🙌 Improved app design
Room to improve
- 🐛 Frequent crashes
- 🤯 Frustrating registration process
- 🤔 Confusing UI changes
- 🙅♀️ Not OFW-friendly
- 💔 Downgrade from previous app
Bugs and requests
Xtrade
Reported bugs
15 issues- App crashes
- App full of bugs and glitches
- Ads pop up constantly
- App logs out when receiving messages
- App doesn't run in background
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- Impossible to verify mobile number
- Doesn't fit screen on modern phones
- Can't change buy and sell positions
- Automatically sets sell position
- Delayed charts
- Placing orders takes 7-10 sec
- Price change error
- App always late
- Account of fault
- Crashes after 10 seconds
Requested features
3 requests- MetaTrader 4/5 integration
- Dark mode option
- Advanced analytics dashboard
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
In-app purchases
Xtrade
No in-app purchases
BPI
No in-app purchases









