1What is Virtual Pag-IBIG?

The Virtual Pag-IBIG is an online portal where you, our members, can conveniently and securely access Pag-IBIG Fund’s services anytime, anywhere. The Virtual Pag-IBIG also provides a chat function where a Pag-IBIG Fund Service Agent is always ready to answer your inquiries or resolve any concerns you may have with your Pag-IBIG Fund membership. It’ss like having your own Pag-IBIG Fund branch at your fingertips.

2What services does the Virtual Pag-IBIG offer?

With the Virtual Pag-IBIG, you can enjoy the following services:

  1. Register as a Pag-IBIG Fund member and get your permanent Membership ID (MID) Number;
  2. Remit your Pag-IBIG Fund Savings and MP2 Savings;
  3. Open an MP2 Savings Account;
  4. View your Savings Records (Pag-IBIG Fund Regular Savings and MP2 Savings, including annual dividends earned by these accounts);
  5. Apply for a Short-Term Loan (Multi-Purpose Loan or Calamity Loan);
  6. Schedule an appointment to submit documents for your Housing Loan Application;
  7. Pay for your Pag-IBIG Fund loans (Housing, Multi-Purpose, and Calamity Loans);
  8. Check your Loan Status (Housing, Multi-Purpose, and Calamity Loans);
  9. View your Loan Records (payments made and the outstanding balance of Housing, Multi-Purpose and Calamity Loans);
  10. Apply for Interest-Rate Repricing on your Housing Loan;
  11. View the account balance and transaction history of your Loyalty Card Plus (currently available for cards issued by Asia United Bank); and
  12. Chat with a Pag-IBIG Fund service agent, 24/7, to address your inquiries and concerns about programs and benefits of Pag-IBIG Fund
3Where can I access the Virtual Pag-IBIG?

You can easily access the Virtual Pag-IBIG by visiting www.pagibigfund.gov.ph and clicking on the Virtual Pag-IBIG button on the main menu.

4Do I need an account to gain access to Virtual Pag-IBIG?

Several Virtual Pag-IBIG features are accessible even if you do not create an account, but if you want to fully enjoy ALL the services and features of your Virtual Pag-IBIG branch, we encourage you to sign up for an account.

5What can I do with a Virtual Pag-IBIG Account?

Once you have a Virtual Pag-IBIG Account, you can securely view your Pag-IBIG Fund Savings and Loan records which will help you keep better track of the growth of your Pag-IBIG Fund Savings, the outstanding balance of your loan/s, and ensure that remittance and payments for your savings and loans are settled and posted.

6How do I create a Virtual Pag-IBIG account?

Opening a Virtual Pag-IBIG Account is as easy as creating an email address or a Facebook Profile. Just log on to www.pagibigfund.gov.ph, click on Virtual Pag-IBIG and click the “Log In or Create Account” button.

For now, having a Loyalty Card Plus is the most convenient way to create a virtual Pag-IBIG account. If you have one, just key in details found on your Loyalty Card Plus.

Members without a Loyalty Card Plus can still create a Virtual Pag-IBIG account but must activate their account at their nearest Pag-IBIG Fund Branch.

Overseas Filipino Workers (OFWs), meanwhile, may enroll online and have their accounts activated through a special validation process.

7How do I create a Virtual Pag-IBIG Account using my Loyalty Card Plus?

The easiest way to create your Virtual Pag-IBIG Account is by using your Loyalty Card Plus. Here’s how it works:

  1. Log on to www.pagibigfund.gov.ph and click on Virtual Pag-IBIG;
  2. Click “Create Account;”
  3. Choose "Via Loyalty Card Plus;”
  4. Enter the following information:
    • Pag-IBIG Fund Membership ID (MID) Number
    • Bank issuer of your Loyalty Card Plus
    • Last four (4) digits of your card number found at the reverse side of your Loyalty Card Plus
  5. Input the One-Time Pin (OTP) sent to your mobile phone and proceed;
  6. Enter the following information:
    • Email Address
    • Three (3) security questions and answers for password retrieval, in the event you forget your password
  7. Receive a confirmation and your temporary password via your email; and
  8. Create your new password and log-in to start enjoying even more services with your Virtual Pag-IBIG Account.
8How do I create a Virtual Pag-IBIG Account without a Loyalty Card Plus?

If you do not have a Loyalty Card Plus, you can still create a Virtual Pag-IBIG Account. Just follow these steps:

  1. Log on to www.pagibigfund.gov.ph and click on Virtual Pag-IBIG;
  2. Click “Create Account;”
  3. Choose “Create your account online and activate at nearest Pag-IBIG Fund Branch;”
  4. Enter the following information:
    • Pag-IBIG Fund Membership ID (MID) Number
    • Complete name
    • Date of birth
    • Mobile phone number
  5. Input the One-Time Pin (OTP) sent to your mobile phone and proceed;
  6. Enter the following information:
    • Email Address
    • Three (3) security questions and answers for password retrieval, in the event you forget your password in the future
    • Mother’s Maiden Name
    • Place of Birth
  7. Upload a photo of your passport or two (2) government-issued identification cards;
  8. Upload your picture holding at least one (1) of the identification cards you submitted;
  9. Receive an SMS confirming that you have successfully created your Virtual Pag-IBIG Account; and
  10. Activate your account by visiting the nearest Pag-IBIG Fund Branch within seven (7) days.
9How do I create a Virtual Pag-IBIG Account if I’m an OFW?

If you are an OFW and is currently abroad, you can create your Virtual Pag-IBIG Account with these simple steps:

  1. Log on to www.pagibigfund.gov.ph and click on Virtual Pag-IBIG;
  2. Click “Create Account”;
  3. Choose “Account Creation for OFWs”;
  4. Enter the following information:
    • Pag-IBIG Fund Membership ID (MID) Number
    • Complete name
    • Date of birth
    • Philippine mobile phone number
  5. Input the One-Time Pin (OTP) sent to your mobile phone and proceed;
  6. Enter the following information:
    • Country of Assignment
    • Email Address
    • Three (3) security questions and answers for password retrieval, in the event you forget your password
    • Mother’s Maiden Name
    • Place of Birth
  7. Upload a photo of your passport or two (2) valid primary identification cards;
  8. Upload your picture holding at least one (1) of identification cards you submitted;
  9. Receive an SMS confirming that you have successfully created your Virtual Pag-IBIG Account; and
  10. Your Virtual Pag-IBIG account will be activated within three (3) days.
10What can I expect from Virtual Pag-IBIG in the future?

The following services are currently being developed and shall be offered by the Virtual Pag-IBIG soon:

  1. For our member-employees, a facility will soon be available for the Application of Merging/Consolidation of Member’s Records
  2. For our member-employers, we will be launching the Virtual Pag-IBIG for Employers, which will allow designated company representatives to endorse and track their employees’ loans online; and
  3. For our partner-developers, we will be launching the Virtual Pag-IBIG for Developers, which will help fast-track housing loan applications by allowing our partner-developers to validate if a Pag-IBIG Fund member qualifies for a Pag-IBIG Housing Loan based on Pag-IBIG Fund requirements.