The Pag-IBIG Fund is a blessing to its members for the many benefits and services that they can avail of which include three types of loans and even an additional savings option.
However, constantly checking your records and making payments for loans or savings can be a hassle, especially if you’re doing them the traditional way (i.e., going to the nearest Pag-IBIG office).
Luckily, Pag-IBIG recently launched Virtual Pag-IBIG which now lets members process all their transactions and check their records online. This article will show you different ways to use Virtual Pag-IBIG–and how they can make your life easier.
Related: How to Register in Pag IBIG: A Complete Guide to Pag IBIG Online Registration
What Is Virtual Pag-IBIG?
Virtual Pag-IBIG is an online portal where members can access their accounts, check their records, and pay their loans or contributions. Needless to say, it’s a convenient and secure way to do Pag-IBIG transactions. Launched on Dec. 12, 2019 by Pag-IBIG officials, this online portal also has a chat function where a customer service agent will appear if you have questions or inquiries about your account.
What Are the Transactions You Can Complete at Virtual Pag-IBIG?

- Get a Permanent Membership ID Number – A Pag-IBIG Fund Membership ID (MID) number is a permanent 12-digit number issued to all members and is required in all Pag-IBIG transactions.
- Open MP2 accounts – Virtual Pag-IBIG also offers convenient MP2 enrollment for members. An MP2 account serves as another savings option for members, with different terms and interest rates.
- Remit cash for your Pag-IBIG Fund Savings and MP2 Savings – This online portal also gives you the option to pay for your monthly savings online through Paymaya and Credit/Debit Card. It’s a hassle-free way to settle your monthly payments and remittances without leaving the comfort of your own home.
- Schedule appointments for housing loan application – This will save a lot of time and effort since you no longer need to personally go to a Pag-IBIG office just to set or reschedule an appointment.
- Check your loan status – You can easily check if your loan has been approved or not by simply logging in to your Virtual Pag-IBIG account, instead of waiting for a phone call or message from Pag-IBIG.
- Pay Pag-IBIG loans – You can also make monthly loan payments online through Virtual Pag-IBIG by using your Paymaya account or credit/debit cards.
- View records – You can check your savings and loan records conveniently just by logging in to your Virtual Pag-IBIG account.
- Apply for Interest Rate Repricing on your own – You can also apply for interest rate re-pricing conveniently, with just a few clicks on the Virtual Pag-IBIG site. By doing so, you won’t have to spend a lot of hours at a Pag-IBIG Office while waiting for your turn.
- View Account Balance and Transaction History – Virtual Pag-IBIG lets you check the total amount that you have accumulated so far, as well as all your previous transactions.
How To Create a Virtual Pag-IBIG Account

1. For existing Pag-IBIG members
Creating a Virtual Pag-IBIG Account is quick and easy. You just have to make sure that you’re providing the correct information and get your phone and email ready for a quick verification process.
Note: As of November 2020, you can now register and activate your Virtual Pag-IBIG account online WITHOUT going to a Pag-IBIG branch. We’ve updated this guide to reflect this latest development in the application process.
1. Go to the Virtual Pag-IBIG website
2. Click the ‘Create Account’ button
3. Select ‘Create and activate your account online’.
4. Provide the following information:
- Pag-IBIG Fund membership ID number (MID No.)
- Complete name
- Date of birth
- Mobile phone number
5. An OTP will be sent to your phone. Enter the code. Note: A lot of Pag-IBIG members have reported not receiving the OTP right away. If you’re experiencing the same, please be patient or maybe try to register early in the morning. The delay may also be due to your screen going idle so if it took you longer than necessary to fill out the form, try to register again and avoid the same mistake.
6. Provide the following details:
- Mother’s maiden name
- Place of birth
- Email address
- Three security questions and answers for easier password retrieval
7. Upload a photo of your passport or 2 valid IDs (Primary)
8. Upload a picture of yourself while holding any 1 valid ID
9. You’ll receive a text confirmation that you have successfully created a Virtual Pag-IBIG account
10. Wait for your account to be activated within an average of 6 business days.
2. For members with Loyalty Card Plus
The Loyalty Card Plus is a cash card, discount card, and rewards card rolled into one. You can use it to get discounts and rewards when you pay your bills and also as a cash card to receive your Pag-IBIG loans, MP2 dividends, and others. Here’s how you can create a Virtual Pag-IBIG account using this card:
1. Go to the Virtual Pag-IBIG website
2. Click ‘Create Account’
3. Select ‘Via Your Loyalty Card Plus’
4. Provide the following information:
- Pag-IBIG Fund membership ID number (MID No.)
- Loyalty Card Plus bank issuer
- The last 4 digits of your card number (found on the reverse side of the Loyalty Card Plus)
5. An OTP will be sent to your phone. Enter the code.
6. Provide some more details:
- Email Address
- Three security questions and answers for easier password retrieval
7. A confirmation and temporary password will be sent to your email
8. Create your new password and start exploring the website
3. For OFW members
There’s a different process for OFWs when it comes to account creation. You also need to make sure to provide correct information for a quicker and easier process.
1. Go to the Virtual Pag-IBIG website
2. Click the ‘Create Account’ button
3. Choose the ‘Account Creation for OFWs’
4. Provide the following information:
- Pag-IBIG Fund membership ID number (MID No.)
- Complete name
- Date of birth
5. An OTP will be sent to your phone. Enter the code.
6. Provide some more details:
- Country of assignment
- Mother’s maiden name
- Place of birth
- Email address
- Three security questions and answers for easier password retrieval
7. Upload a photo of your passport or 2 valid IDs (Primary)
8. Upload a picture of yourself while holding any 1 valid ID
9. You’ll receive a text confirmation that you have successfully created a Virtual Pag-IBIG account
10. Wait for your account to be activated within 3 days
How To Pay Your Pag-IBIG Contributions and Loans Online Through Virtual Pag-IBIG

Through Virtual Pag-IBIG, you can now use your Paymaya account or any of your debit or credit cards to pay your Pag-IBIG loans or savings online.
1. How to Pay Regular Pag-IBIG Contributions via Virtual Pag-IBIG
2. How to Pay Pag-IBIG MP2 Contributions via Virtual Pag-IBIG
3. How to Pay Pag-IBIG Housing Loan via Virtual Pag-IBIG
1. Log in to your Virtual Pag-IBIG account.
2. Under Payments, click ‘Pay Online’.
3. Click ‘Housing Loan’ from the list of options.
4. Completely fill out the payment form with the following details:
- Program Type (Regular Savings)
- Membership Category (Local or Overseas)
- Housing Account No.
- Borrower’s Name
- Amortization
- Amount Due & Convenience Fee (1.75%)
- Total Amount Due
- Member’s Mobile Number
- Member’s Email Address
5. Check all the details and click ‘Proceed’
6. You’ll be redirected to the Payment page where you can pay using your Paymaya account or Credit/Debit Card (VISA, Mastercard, JCB).
7. Enter your Paymaya or Debit/Credit card details and click ‘Pay Now’.
4. How to Pay Pag-IBIG Multi-Purpose Loan via Virtual Pag-IBIG
1. Log in to your Virtual Pag-IBIG account.
2. Under Payments, click ‘Pay Online’.
3. Click ‘Multi-Purpose Loan’ from the list of options.
4. Completely fill out the payment form with the following details:
- Program Type (Regular Savings)
- Membership Category (Local or Overseas)
- Pag-IBIG MID No.
- Borrower’s Name
- Amortization
- Amount Due & Convenience Fee (1.75%)
- Total Amount Due
- Member’s Mobile Number
- Member’s Email Address
5. Check all the details and click ‘Proceed’
6. You’ll be redirected to the Payment page where you can pay using your Paymaya account or Credit/Debit Card (VISA, Mastercard, JCB).
7. Enter your Paymaya or Debit/Credit card details and click ‘Pay Now’.
5. How to Pay Pag-IBIG Calamity Loans via Virtual Pag-IBIG
1. Log in to your Virtual Pag-IBIG account.
2. Under Payments, click ‘Pay Online’.
3. Click ‘Calamity Loan’ from the list of options.
4. Completely fill out the payment form with the following details:
- Program Type (Regular Savings)
- Membership Category (Local or Overseas)
- Pag-IBIG MID No.
- Borrower’s Name
- Amortization
- Amount Due & Convenience Fee (1.75%)
- Total Amount Due
- Member’s Mobile Number
- Member’s Email Address
5. Check all the details and click ‘Proceed’
6. You’ll be redirected to the Payment page where you can pay using your Paymaya account or Credit/Debit Card (VISA, Mastercard, JCB).
7. Enter your Paymaya or Debit/Credit card details and click ‘Pay Now’.
How To View or Check Member’s Records Through Virtual Pag-IBIG

You can easily check your lifetime savings or previous and current loan records just by logging in to your Virtual Pag-IBIG account. You can even check your contributions or payments per year.
1. How to View Pag-IBIG Loan Status/Records
1. Log in to your Virtual Pag-IBIG account.
2. Under Products, click ‘Housing Loan’, ‘Multi-Purpose Loan’ or ‘Calamity Loan’. Your updated record or status will be displayed. You also have the option to view your contributions/payments for each year.
2. How to View Pag-IBIG Contributions/Savings Records
1. Log in to your Virtual Pag-IBIG account.
2. Under Products, click ‘Regular Savings’ or ‘MP2 Savings’. Your updated record will be displayed. You also have the option to view your contributions/payments for each year.
Related: How to Pay Pag-IBIG Contribution: An Ultimate Guide
how to check or view my pag-ibig fund contribution?
Check out this article: https://filipiknow.net/how-to-check-pag-ibig-contribution/
How long does it take to get an activation notification email for account creation?
Thanks!
As stated in the updated article above, account activation takes an average of 6 business days to complete.
I tried to to register online but the image of the Captcha code won’t load
Good pm!
Mam/Sir
Ask ko lang po if magpapareceived po ng PDC sa PAG-IBIG Shaw Blvd. Meron pa po bang Number na ibibigay for transaction for that day..
May limit po ba ang tao pwedeng magtransact sa PAG-IBIG office.
Salamat po.
How long after online payment will the contribution be reflected on the record?
If you’re making the payment online, it will reflect on your Virtual Pag-IBIG account usually within 3 business days.
Nag apply po ang asawa ko ng moraturiom nung march.naprubahan po kaya lng po ung cp na ginamit nia dun nawala po.may bayaran po un na insurance san ko po pwede bayaran kc ayaw tanggapin sa bayad center.
How to apply a calamity loan..
The instructions are in a different article: https://filipiknow.net/pag-ibig-calamity-loan/