How to Register on Virtual Pag-IBIG

Quick answer

A Virtual Pag-IBIG account needs a MID number, so get that first if you are a new member. Then click Create Account and pick one of three ways: with your Loyalty Card Plus (the fastest), online with photos of your IDs and a selfie, or the option for OFWs. Accounts made with IDs are checked by Pag-IBIG and activated by text over the next few days.

What do you need before you start?

Your 12-digit MID number. No MID yet? See how to get your MID number.
A mobile number for the one-time PIN (OFWs need a Philippine mobile number).
An email address, which becomes your login.
Three security questions and answers you will remember.
Without a Loyalty Card Plus: clear photos of your passport or two valid primary IDs, and a selfie holding them. You will also be asked your mother's maiden name and place of birth.

How do you do it, step by step?

1. Open https://www.pagibigfundservices.com/virtualpagibig/ and click Create Account
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2. Choose how to create it
- Via your Loyalty Card Plus: MID number, the bank that issued the card, and the last four digits of the card number.
- Create and Activate your Account Online: MID number, complete name, date of birth and mobile number.
- Account Creation for OFWs: the same details plus your country of assignment and a Philippine mobile number.
3. Type the one-time PIN sent to your mobile phone
4. Enter your email address and your three security questions and answers
The online and OFW options also ask your mother's maiden name and place of birth.
5. Online and OFW options only
upload a photo of your passport or two valid primary IDs, then a selfie holding the same IDs. Make sure every detail can be read.
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6. Wait for Pag-IBIG's message
- With Loyalty Card Plus, you get a confirmation and a temporary password by email.
- With the other options, a first text confirms the account was created, and a second text, over the next few days, tells you it is active.
7. Log in for the first time with the temporary password and change it right away
See how to log in.

What if it does not work?

No one-time PIN
check that the mobile number you typed is right. OFWs must use a Philippine number.
Account created but no activation text yet
Pag-IBIG is still checking your IDs. Do not create a second account while you wait.
ID photos not accepted
take the photos again in good light, with the whole card visible and readable.
You already have an account
log in with your email, or reset your password. More fixes in Virtual Pag-IBIG errors.

Frequently asked questions

Can I create an account without a MID number?

No. Every option asks for your MID number. Register as a member first, then create your account.

Do I need a Loyalty Card Plus?

No. It only makes sign-up faster. Without it, choose "Create and Activate your Account Online" and upload your IDs and a selfie.

Can OFWs register from abroad?

Yes, with "Account Creation for OFWs". You need a Philippine mobile number to receive the one-time PIN.

Why do I need to answer security questions?

They help you get back into your account if you forget your password.

Official portal

Listo Papeles is not affiliated with this portal or its agency. We never ask for your password, one-time code or member number.