How to Get Your Pag-IBIG Virtual Card and Check Contributions

You can get your Pag-IBIG Virtual Card and check your contribution records through the Virtual Pag-IBIG portal at virtualpagibig.com. The Virtual Card serves as a digital version of your Pag-IBIG membership card with your MID number and QR code. The portal also lets you view your full contribution history, total accumulated savings, and outstanding loan balances.

Getting Your Pag-IBIG Virtual Card

Step 1: Register on Virtual Pag-IBIG

If you do not have an account yet:

• Visit virtualpagibig.com and look for the registration option
• Provide your Pag-IBIG MID number (Member's ID number), personal details (full name, date of birth), and a valid email address
• Set your password and complete the email verification

If you do not know your MID number, you can retrieve it at any Pag-IBIG branch with a valid government ID, or call the Pag-IBIG hotline.

Step 2: Log In and Access Your Virtual Card

After registering and verifying your account:

• Log in to the Virtual Pag-IBIG portal
• Look for the Virtual Card or Loyalty Card section in your dashboard
• Your Virtual Card displays your MID number, full name, and a QR code that can be scanned for verification purposes

You can screenshot or save the card image on your phone for easy access when needed — for example, when applying for a Pag-IBIG housing loan or multi-purpose loan.

Checking Your Pag-IBIG Contributions

Once logged in to Virtual Pag-IBIG:

• Navigate to the contribution inquiry or member savings section
• You can view contributions by year and month
• The portal shows both Member Savings (MS) contributions (your savings fund) and employer remittances

What Your Contribution Record Shows

Each entry in your contribution history typically includes:

• Applicable month — The month the contribution covers
• Employer name — The company that remitted the contribution
• Employee share — The amount deducted from your salary
• Employer share — The matching contribution from your employer
• Total contribution — Combined employee + employer share for that month

How Much Should My Contribution Be?

Under Republic Act No. 9679 (Home Development Mutual Fund Law of 2009):

Monthly Salary	Employee Share	Employer Share
₱1,500 and below	1% of salary	2% of salary
Over ₱1,500	2% of salary	2% of salary

The maximum monthly compensation used to compute contributions is ₱10,000, so:

• Maximum employee share: ₱200/month (2% of ₱10,000)
• Maximum employer share: ₱200/month (2% of ₱10,000)
• Maximum total: ₱400/month

For example, if you earn ₱25,000, your Pag-IBIG deduction is ₱200 (capped at 2% of ₱10,000), and your employer also contributes ₱200.

Note: Members can choose to contribute more than the mandatory amount through the Pag-IBIG Modified Pag-IBIG 2 (MP2) savings program, which offers higher dividends.

What If Contributions Are Missing?

If your contribution record shows gaps:

1. Allow for processing time — Pag-IBIG contributions may take several weeks to post after your employer remits.

2. Contact your employer — Request the Pag-IBIG remittance receipts or reference numbers for the months in question.

3. File a complaint — If your employer deducted contributions from your salary but did not remit them, report this to the nearest Pag-IBIG branch. Non-remittance is a violation of RA 9679, which imposes penalties including fines and imprisonment on employers who fail to remit.

4. Check your payslips — Compare the Pag-IBIG deduction on your payslip against the posted contribution on the portal.

Other Things You Can Do on Virtual Pag-IBIG

Beyond checking contributions, the Virtual Pag-IBIG portal also allows you to:

• Check total accumulated savings — Your Member Savings balance, including dividends earned
• View loan balances — Outstanding multi-purpose loan (MPL) or housing loan balances and payment history
• Apply for multi-purpose loans — Submit MPL applications online (subject to eligibility: at least 24 monthly contributions, 12 of which are continuous)
• Request Pag-IBIG certificates — Some certificates and clearances can be requested online

Other Ways to Check

• Pag-IBIG branch visit — Bring a valid government ID and your MID number
• Pag-IBIG hotline — Call (02) 8724-4244 (HDMF hotline)
• Employer's Pag-IBIG portal — Your HR department may be able to look up your records through the employer's Pag-IBIG account

Related Guides

• Pag-IBIG Contribution Guide 2026 — Complete employer compliance guide with remittance deadlines
• Pag-IBIG Contribution Calculator — Compute your Pag-IBIG contribution for any salary
• Government Remittance Deadlines 2026 — Monthly remittance schedule for all government agencies
• What Deductions Are Taken From My Salary? — Overview of all mandatory payroll deductions

Legal References

• Republic Act No. 9679 (Home Development Mutual Fund Law of 2009) — Establishes mandatory Pag-IBIG membership and contribution rates for employed members
• HDMF Circular No. 274 — Updated guidelines on mandatory contributions

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This guide is for informational purposes only and does not constitute legal, tax, or financial advice. While we strive for accuracy by citing official Philippine laws and government circulars, regulations change. Consult a qualified professional or the relevant government agency for advice specific to your situation.