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How to Create Virtual Pag-IBIG Account: Ultimate Guide 2022

By March 16, 2022August 10th, 2022One Comment
How to create virtual Pag Ibig account

A virtual Pag-IBIG account allows you to monitor your contributions to the social housing fund program closely.

You can easily create an online account even if you are not an existing Pag-IBIG Fund member.

If you want to know how to create a Virtual Pag-IBIG account, check out all of the details you need to know in this article.

Why do I need to create a Virtual Pag-IBIG Account?

You can get exclusive advantages once you have a Virtual Pag-IBIG account.

First of all, you can check the record of your Regular Savings and its annual earnings for dividends.

The same can be said if you have registered for an MP2 Savings Account.

Third, you can check all of your transactions related to loans that you have availed, including the outstanding balance.

Lastly, you can quickly check the transaction history and account balance if you have an AUB-issued Loyalty Card Plus.

Requirements to create a Virtual Pag-IBIG Account

You can readily create a Virtual Pag-IBIG account as long as you have a Pag-IBIG Fund Membership ID (MID) Number, mobile phone number, email address, and internet connection.

You can create a Virtual Pag-IBIG account in three ways: by using Online Activation, Account Creation for Overseas Filipino Workers (OFWs), or Pag-IBIG Loyalty Card Plus.

Each one will be discussed below.

How to Create a Virtual Pag-IBIG Account using Online Activation

Follow these steps on how to create a Virtual Pag-IBIG account for individuals:

Step 1: Open https://www.pagibigfundservices.com/virtualpagibig/ in your browser.

How to create virtual Pag Ibig account 1

Step 2: Agree to the Data Privacy notice by checking the box and clicking Proceed if you are a first-time visitor to the site.

Step 3: Click on Create Account, then Continue on the pop-up message.

Step 4: Tap on the Click Here button of the box saying Create and Activate your account online.

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Step 5: Enter the following details:

  • Pag-IBIG MID No.
  • Member’s Last Name
  • Member’s First Name
  • Member’s Middle Name (you can check the no middle name checkbox)
  • Date of Birth
  • Mobile Number
How to create virtual Pag Ibig account 3

Step 6: Check that you have entered the correct details before clicking the Proceed button.

Step 7: Click on OK for the OTP request.

How to create virtual Pag Ibig account 4

Step 8: Enter the OTP code or wait for 20 minutes before requesting a new one just in case you did not receive it immediately.

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Step 9: Tap on the Proceed button.

Step 10: Complete your User Account and Verification details:

  • Email address
  • Security questions
  • Place of Birth
  • Mother’s Maiden Name

Step 11: Select your valid ID such as Passport or any two of the following:

  • Alien Certification of Registration / Immigrant Certificate of Registration
  • Barangay Certification
  • Company ID
  • DSWD Certification
  • Driver’s License
  • GSIS E-Card
  • Government Office and GOCC IDs
  • Integrated Bar of the Philippines ID
  • NBI Clearance
  • National Council for the Welfare of Disabled Persons Certification
  • OFW ID
  • Police Clearance
  • Postal ID
  • PRC ID
  • Seafarer’s Identification and Record Book
  • SSS Card
  • Voter’s ID

Step 12: Upload a photo of your selected valid ID/s with a maximum file size of 3MB, with any of the following file formats:

  • .jpg
  • .jpeg
  • .png
  • .bmp

Step 13: Upload your selfie with the valid ID/s you selected with the same file size and format.

Step 14: Click the box certifying that your provided information is correct.

Step 15: Tap the Submit button.

Step 16: Wait for the activation after receiving the notification that says you have successfully created your Virtual Pag-IBIG Account.

Step 17: After a few days, check your email regarding activation, which will contain the temporary password.

Step 18: Click on the link provided in the email.

Step 19: Enter your email address and the temporary password, then click the Verify button.

Step 20: Input your new password before clicking the Submit button. You can now log in to your Virtual Pag-IBIG account with your new credentials.

How to Create a Virtual Pag-IBIG Account using Account Creation for OFWs

Follow these instructions on how to create a Virtual Pag-IBIG account for individuals:

Step 1: Go to https://www.pagibigfundservices.com/virtualpagibig/ using your phone or computer browser.

Step 2: Check the box of the Data Privacy notice, then click on Proceed if it appears on the site.

Step 3: Tap on Create Account and the Continue button on the pop-up message.

Step 4: Select the Click Here button of the box saying Account Creation for OFWs.

Step 5: Enter the following personal details:

  • Pag-IBIG MID No.
  • Member’s Last Name
  • Member’s First Name
  • Member’s Middle Name (you can check the no middle name checkbox)
  • Date of Birth
  • Mobile Number or Secondary Email

Step 6: Click on Proceed, then OK for the OTP request.

Step 7: Input the OTP code or wait 600 seconds before requesting a new OTP.

Step 8: Click the Proceed button.

Step 9: Provide the details of your User Account and Verification details:

  • Email address
  • Security questions
  • Place of Birth
  • Mother’s Maiden Name

Step 10: Select Passport as your valid ID instead of 2 other valid IDs to save time and effort.

Step 11: Upload a photo of your Passport with a maximum file size of 3MB, with any of the following file formats:

  • .jpg
  • .jpeg
  • .png
  • .bmp

Step 12: Upload your selfie with your Passport with the same file size and file format.

Step 13: Certify that your provided information is correct by clicking the box.

Step 14: Click on the Submit button.

Step 15: Wait for the activation of your Virtual Pag-IBIG Account.

Step 16: In the email notification, take note of the temporary password.

Step 17: Click on the link provided in the email to go to the Virtual Pag-IBIG website.

Step 18: Input your email address and the temporary password.

Step 19: Tap on the Verify button, then enter your new password.

With your new credentials, you can now access your Virtual Pag-IBIG account for OFWs.

How to Create a Virtual Pag-IBIG Account using Pag-IBIG Loyalty Card Plus

Follow this step-by-step guide on how to create a Virtual Pag-IBIG account for individuals:

Step 1: Visit https://www.pagibigfundservices.com/virtualpagibig/ on your phone, computer, or another device.

Step 2: Tick the box of the Data Privacy notice, then click Proceed if you haven’t done before.

Step 3: Tap on Create Account and the Continue button on the pop-up message.

Step 4: Select the Click Here button of the box saying Via your Loyalty Card Plus.

Step 5: Enter the following details:

  • Pag-IBIG MID No.
  • Partner Bank
  • The last four digits of the cashcard number are at the back of your Card.

Step 6: Check all of the details before going to Proceed.

Step 7: Click on OK for the OTP request information message.

Step 8: Enter the OTP code or wait for 20 minutes before requesting a new one just in case you did not receive it immediately.

Step 9: Tap on the Proceed button.

Step 10: Complete your User Account and Verification details:

  • Email address
  • Security questions
  • Place of Birth
  • Mother’s Maiden Name

Step 11: Click the box certifying that your provided information is correct.

Step 12: Tap the Submit button.

Step 13: Check your email regarding activation, which will contain the temporary password.

Step 14: Click on the link provided in the email.

Step 15: Input your email address and the temporary password, click on Verify.

Step 16: Provide your new password before clicking the Submit button.

You can now log in to your Virtual Pag-IBIG account with your new credentials.

How to create Virtual Pag-IBIG Account for Employer

Follow these steps on how to create an Employer’s Virtual Pag-IBIG Account:

Step 1: Download the Employer’s Virtual Pag-IBIG Account Enrollment Form

Step 2: Submit the accomplished Enrollment Form to your servicing branch together with the following requirements:

  • One photocopy and one original valid ID of Agency Authorized Officer
  • One photocopy and one original valid ID of Head of Agency or Authorized Signatory

Step 3: Review and sign the Memorandum of Agreement provided by the Pag-IBIG branch and send it back personally or via email, depending on your arrangement.

Step 4: Take note of the temporary password that will be sent in your email after a few days, confirming the creation of your employer account.

Step 5: Click on the link provided in the email.

Step 6: Enter the username provided by your Pag-IBIG Account Officer as well as the temporary password.

Step 7: Enter your preferred account password.

You now have successfully created your Virtual Pag-IBIG Employer-Account.

Uses of a Virtual Pag-IBIG Account

While you can apply for some Virtual Pag-IBIG services even without creating an account, your actions will be minimal.

These are the services you can do without the Virtual Pag-IBIG account:

  • Register as a new member of the Pag-IBIG Fund
  • Acquire a permanent MID or Membership ID number
  • Open an account for MP2 Savings
  • Apply for MPL or Multi-Purpose Loan, Calamity Loan, and Home Equity Appreciation Loan
  • Initiate application for a Housing Loan
  • Check the status of your Housing Loan, MPL, Calamity Loan, or HEAL
  • Add funds to your MP1 or MP2 Savings
  • Make payments for your loans
  • Request for a change in the interest rate for your Housing Loan
  • Withdraw your savings
  • Ask questions 24/7 via chat

Once you create a Virtual Pag-IBIG Account, you can have access to more services that are considered as Premium, wherein you can see more details.

FAQs

I received a message that my request to activate my account has been denied; what should I do?

If your Virtual Pag-IBIG account has not been activated, you should check the email sent to you by Pag-IBIG.

From there, you can see the reason why your activation request was declined as well as the necessary steps you need to do for your virtual Pag-IBIG account to be activated.

You need to repeat your activation and make sure that you have provided clear pictures of valid IDs.

What is the easiest way to create a Virtual Pag-IBIG Account?

Of the three options that you can choose from, the easiest way to register for a Virtual Pag-IBIG account is through your Loyalty Plus Card.

Using that, you no longer need to upload a valid ID and a selfie, and the activation is instant compared to the other methods.

What are the loans I can access using the Virtual Pag-IBIG website?

Once you have created a Virtual Pag-IBIG Account, you can apply for and manage loans.

These are the services you can choose from:

  • Apply for a Short-Term Loan
  • Apply for a Housing Loan
  • Apply for a Home Equity Appreciation Loan
  • Special Housing Loan Restructuring 2
  • Apply for Interest Re-Pricing
  • View Loan Status

What if I forgot my Pag-IBIG Membership Identification Number?

Can I contact Pag-IBIG online for additional questions?

If you have concerns or inquiries, you can reach Pag-IBIG by sending a message to contactus@pagibigfund.gov.ph.

You can also use the inquiry form on their website at https://www.pagibigfund.gov.ph/contactus.html.

Conclusion

Creating a Virtual Pag-IBIG Account gives you better access to the services of the Pag-IBIG Fund.

Maximize your Virtual account usage by regularly checking your contributions and keeping track of your savings accounts.

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Jerico Saquing

Jerico Saquing

Jerico is the founder of Peso Hacks. He's also a freelance writer who specializes in topics related to finance, travel and games. In his spare time, he likes to watch anime, play mobile games and read books.

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