How To Create A Virtual Pag-IBIG Account

How To Create A Virtual Pag-IBIG Account

In response to President Rodrigo Duterte’s appeal to “make government service responsive to the needs of the public by utilizing technology, Pag-IBIG fund launched an initiative on December 12, 2019, to make their services accessible to their members 24/7, through Virtual Pag-IBIG. 

Gone are the days when you needed to travel to the nearest Pag-IBIG office for all your transactions, simple inquiries and loan applications, account verification, and etc. Virtual Pag-IBIG takes all their services to the internet for faster and easier access. 

What is Virtual Pag-IBIG

The Virtual Pag-IBIG Fund is an online facility by Pag-IBIG that allows its members to have easy and safe access to their services from any smartphone or computer with an internet connection.

It also offers a live chat support service with a Lingkod Pag-IBIG service officer who is ready to address any questions or issues that its members may face. 

Virtual Pag-IBIG account registration

There are three ways for Pag-IBIG Fund members to create a Virtual Pag-IBIG account online. 

  1. Using a Pag-IBIG Loyalty Card Plus;
  2. Online Activation
  3. Account Creation for Overseas Filipino Workers (OFWs)

Creating an Virtual Pag-IBIG using Pag-IBIG Loyalty Card Plus

Using your Pag-IBIG Loyalty Card Plus is the most simple way to create a Virtual Pag-IBIG account. If you have one, select this option and enter the information on your card to establish an account.

Here’s how you can register for a Virtual Pag-IBIG account using  Loyalty Card Plus:

  • At the registration page, select to establish an account using your Pag-IBIG Loyalty Card Plus. You will need to provide the following information:
    • The name of the bank that provided your Loyalty Card Plus 
    • Your Pag-IBIG Fund Membership ID (MID) Number
    • The last four digits of your card number, which may be found on the back of your Loyalty Card Plus
  • Enter the One-Time Pin (OTP) sent to via SMS.
  • Fill in the following information:
    • Your email address is
    • Three (3) security questions and answers to aid in the recovery of your password in the event that you forget it.
  • You’ll get an email with the confirmation of your account creation and a temporary password.
  • Log in to your account using the temporary password, then set your own permanent password. 
  • Log in again using your password.

Creating a Virtual Pag-IBIG through account activation 

Members who do not have a Pag-IBIG Loyalty Card Plus can still create a Virtual Pag-IBIG account by selecting “Create and Activate your account online.”

Follow these easy steps to create your Virtual Pag-IBIG account with this option:

  1. Fill in the following information after selecting the “Create and Activate Online” option to create your account:
    • Pag-IBIG Fund Membership ID (MID) Number
    • Complete name
    • Date of birth
    • Mobile phone number
  2. Input the One-Time Pin (OTP) sent to you via SMS. 
  3. Fill in 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
  4. Upload a passport photo and two (2) valid primary IDs. Double-check that your photo is clear and that the information on your card is legible.
  5. Upload a selfie with you holding your passport or the two (2) valid IDs you submitted. Please double-check that your photo is clear and that the information on your IDs is legible.
  6. You will get an SMS confirmation that your Virtual Pag-IBIG Account has been successfully created. 
  7. After a few days, you will get another SMS notifying you that your Virtual Pag-IBIG account has been activated and how to use it.

Creating a Virtual Pag-IBIG for OFWs

Overseas Filipino workers (OFWs) can create their accounts at any time, from anywhere around the globe. Among the options in their registration page is “Account Creation for OFWs”, start your application by clicking that and doing the following:

  1. Fill in the following information: 
    1. Pag-IBIG Fund Membership ID (MID) Number
    2. Complete name
    3. Date of birth
    4. Mobile phone number (must be a Philippines number)
  2. Input the One-Time Pin (OTP) sent to you via SMS. 
  3. Fill in the following information:
    1. Email Address
    2. Three (3) security questions and answers for password retrieval, in the event you forget your password in the future
    3. Mother’s Maiden Name
    4. Place of Birth
  4. Upload a passport photo and two (2) valid primary IDs. Double-check that your photo is clear and that the information on your card is legible.
  5. Upload a selfie with you holding your passport or the two (2) valid IDs you submitted. Please double-check that your photo is clear and that the information on your IDs is legible.
  6. You will get an SMS confirmation that your Virtual Pag-IBIG Account has been successfully created. 
  7. After a few days, you will get another SMS notifying you that your Virtual Pag-IBIG account has been activated and how to use it.

Services you can access through Virtual Pag-IBIG

This portal will grant you access and transaction the following services online:

  • View your Pag-IBIG Regular Savings records, including the annual dividends it has earned.
  • View your MP2 savings records, including the annual dividends it has earned.
  • View your loan records (payments made and the outstanding balance of your housing, multi-purpose, or Calamity loan).
  • View the account balance and transaction history of your Loyalty Card Plus (currently available for cards issued by Asia United Bank).

Should you register for Virtual Pag-IBIG

Virtual Pag-IBIG was basically created to make transactions with this government agency less painstaking and less time-consuming. It’s part of the government’s initiative to make their services more accessible and easier to accomplish. And as we transition away from the pandemic phase, there’s really no going back to how things were, especially when we’ve finally established that things can be done faster and more efficiently through the internet. 

All of their services can still be done over the counter for people who are more comfortable doing it the old-fashioned way. Also, there are services that are better off done in person like a housing loan. Big-ticket loans as such are best done at a branch due to their intricacies which warrant due diligence.  

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