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FREQUENTLY ASKED QUESTIONS

Frequently Asked Questions

1. What is Virtual Pag-IBIG?

The Virtual Pag-IBIG is Pag-IBIG Fund’s online service facility that allows you to safely and conveniently access Pag-IBIG Fund’s services anytime, anywhere using just your smartphone or computer with internet connection.

It also provides a chat service with a Lingkod Pag-IBIG service officer ready to answer your inquiries or concerns.

It’s like having your own Pag-IBIG Fund branch ready to serve you 24/7!

2. What services does the Virtual Pag-IBIG provide?

By simply visiting www.pagibigfundservices.com/virtualpagibig, you can immediately enjoy the following services:

a. Register as a Pag-IBIG Fund member and get your permanent Membership ID (MID)Number;
b. Open a MP2 Savings Account;
c. Apply for a Pag-IBIG Multi-Purpose Loan (MPL);
d. Apply for Pag-IBIG Calamity Loan (for members whose area of residence is declared under a state of calamity);
e. Take the first step in applying for a Pag-IBIG Housing Loan;
f. Apply for a Pag-IBIG Home Equity Appreciation Loan (HEAL);
g. View the status of your loan (Housing, Multi-Purpose, Calamity or Home Equity Appreciation Loan);
h. Top-Up your Pag-IBIG Regular Savings;
i. Save in the Pag-IBIG MP2 Savings;
j. Pay your Pag-IBIG loans (Housing, Multi-Purpose, Calamity or Home Equity Appreciation Loan);
k. Apply for Interest-Rate Repricing on your Housing Loan;
l. Claim your Pag-IBIG Savings (due to membership maturity, optional withdrawal of savings, retirement at age 65, and MP2 Savings maturity); and
m. Chat with a Lingkod Pag-IBIG, 24/7, to help you learn more about your Pag-IBIG Fund benefits.

Enjoy even more services by opening a Virtual Pag-IBIG Account!

3. What added services will I enjoy with a Virtual Pag-IBIG account?

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

a. View your Pag-IBIG Regular Savings records, including the annual dividends it has earned;
b. View your MP2 Savings records, including the annual dividends it has earned;
c. View your loan records (payments made and the outstanding balance of your Housing, Multi-Purpose, or Calamity Loan); and
d. View the account balance and transaction history of your Loyalty Card Plus (currently available for cards issued by Asia United Bank)

4. How can I access the Virtual Pag-IBIG?

Using just your smartphone or computer with internet connection, you can easily access the Virtual Pag-IBIG by visiting www.pagibigfund.gov.ph, and clicking on the Virtual Pag-IBIG, For Members link on the main menu.

You may also click www.pagibigfundservices.com/virtualpagibig/ to directly access Virtual Pag-IBIG.

5. I don’t have a Virtual Pag-IBIG account. Can I still enjoy its services?

Yes! You can still have access to many of Pag-IBIG Fund’s services even if you do not have a Virtual Pag-IBIG account. However, to enjoy premium services, such as viewing your savings and loan records, you would need to create your own account. This is to ensure that your records with Pag-IBIG are kept safe.

6. How can I create my Virtual Pag-IBIG account?

Opening a Virtual Pag-IBIG account is as easy as creating an email address or a Facebook Profile. Simply visit Virtual Pag-IBIG at the Pag-IBIG Fund website, click the “Create Account” button, and choose how to create your account from the following options:

a. Via your Pag-IBIG Loyalty Card Plus;
b. Via Online Activation; or
c. Via Account Creation for Overseas Filipino Workers (OFWs)

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

The most convenient way to create a Virtual Pag-IBIG account is by using your Pag-IBIG Loyalty Card Plus. If you have one, choose this option and key in details found on your card to create your account.
Here are the steps to create your Virtual Pag-IBIG account using your Pag-IBIG Loyalty Card Plus:

a. After choosing to create your account via your Pag-IBIG Loyalty Card Plus, key in the following information:

• Pag-IBIG Fund Membership ID (MID) Number
• Bank which issued your Loyalty Card Plus
• Last four (4) digits of your card number found at the reverse side of your Loyalty Card Plus

b. Input the One-Time Pin (OTP) sent to your mobile phone;
c. Key in the following information:

• Email Address
• Three (3) security questions and answers to help you retrieve your password in the event you forget this in the future

d. Receive confirmation of your account creation and your temporary password via email; and
e. Create your new password and log-in to start enjoying the full range of services of Virtual Pag-IBIG

8. How do I create a Virtual Pag-IBIG account online, even without a Pag-IBIG Loyalty Card Plus?

Members without a Pag-IBIG Loyalty Card Plus can still create a Virtual Pag-IBIG account by choosing the “Create and Activate your account online” option.
Create your Virtual Pag-IBIG account using this option by following these simple steps:

a. After choosing to create your account via the “Create and Activate Online” option, key in the following information:

• Pag-IBIG Fund Membership ID (MID) Number
• Complete name
• Date of birth
• Mobile phone number

b. Input the One-Time Pin (OTP) sent to your mobile phone;
c. Key in the following information:

• Email Address
• Three (3) security questions and answers to help you retrieve your password in the event you forget this in the future
• Mother’s Maiden Name
• Place of Birth

d. Upload a photo of your two (2) government-issued identification cards or your passport;
e. Upload a selfie photo with you holding at least one (1) of the identification cards you submitted;
f. Receive an SMS confirming that you have successfully created your Virtual Pag-IBIG account;
g. Receive another SMS over the next few days informing you that your Virtual Pag-IBIG account has been activated and how you may access it.g. Receive another SMS over the next few days informing you that your Virtual Pag-IBIG account has been activated and how you may access it.

For your security, please change your temporary password immediately to protect your Virtual Pag-IBIG account.

9. How do I create a Virtual Pag-IBIG account if I am an Overseas Filipino Worker (OFW)?

Overseas Filipino Workers (OFWs) may also create their accounts anytime, wherever they may be around the world by choosing the “Account Creation for OFWs” option.
Here’s how:

a. After choosing to create your account via the “Account Creation for OFWs” option, key in the following information:

• Pag-IBIG Fund Membership ID (MID) Number
• Complete name
• Date of birth
• Philippine Mobile phone number

b. Input the One-Time Pin (OTP) sent to your mobile phone;
c. Key in the following information:

• Country of Assignment
• Email Address
• Three (3) security questions and answers to help you retrieve your password in the event you forget this in the future
• Mother’s Maiden Name
• Place of Birth

d. Upload a photo of your passport or two (2) valid primary identification cards;
e. Upload a selfie photo with you holding at least one (1) of the identification cards you submitted;
f. Receive an SMS confirming that you have successfully created your Virtual Pag-IBIG account;
g. Receive another SMS over the next few days informing you that your Virtual Pag-IBIG account has been activated and how you may access it; and

For your security, please change your temporary password immediately to protect your Virtual Pag-IBIG account.

10. Will the Virtual Pag-IBIG have even more services in the future?

Yes. We are continuously developing the services available for you via the Virtual Pag-IBIG to make you feel Pag-IBIG online even more!


I have read about the Data Privacy Statement as well as the Pag-IBIG Fund Privacy Policy and express my consent thereto. In the same manner, I hereby express my consent for Pag-IBIG Fund to collect, record, organize, update or modify, retrieve, consult, use, consolidate, block, erase or destruct my personal data as part of my information. I hereby affirm my right to: (a) be informed; (b) object to processing; (c) access; (d) rectify, suspend or withdraw my personal data; (e) damages; and (f) data portability pursuant to the provisions of the Act and its corresponding Implementing Rules and Regulations.