Since reddit really helped me in making my first MP2 investment, I just want to give back and share my experience in creating a virtual PagIbig account without the need to purchase a Loyalty Plus card.

Last December, I signed up for an account online and chose the "Create your account online and activate at the nearest Pag-IBIG Fund Branch" option. Since I was out of the country during the holidays, I was only able to visit this year.

First visit: Visited SM Aura branch, but I forgot to bring my passport, which was the ID I used for the selfie.
Second visit: My verification a Gate 3 branch was declined because they said the ID I submitted and the selfie with ID should be different IDs. Later, I checked the website and the selfie tool said I should be holding the same ID I submitted in the previous window.

I created another virtual PagIbig account, but this time I held two IDs in my selfie.

Third Visit: SM Aura, verification was approved and I can now login to my virtual PagIbig account.

The following day, I went back to Gate 3 to deposit my first MP2 contribution. They gave me a number for Payment Screening, and I thought it would be quick because my number was next. Well, it was literally for screening your payment by checking your membership details, the amount you want to pay and for which months. After that, they gave me another number for payments ("Continuing" counter) where you hand your cash or check (addressed to HDMF), after which they will give you a receipt.

Today, I checked my virtual PagIbig account, and the payment I did two days ago is now available online. I'm now looking forward to creating MP2 accounts every year for five years, and reroll the savings and deposit every five years. I'm also planning to get some RTBs to offset the previous years I should've started investing in MP2, to adjust my five year cycle and make it earlier.