# BOCHK 中銀香港

> Comprehensive mobile banking for account management, investments, loans, and insurance. (iPhone/iPad app by Bank of China (Hong Kong) Limited.)

- Source: https://appshunter.io/ios/app/bochk/id1534534188 (this page in markdown: same URL + `.md`)
- Developer: [Bank of China (Hong Kong) Limited](https://appshunter.io/developer/385731636)
- Category: Finance
- Price: Free
- Rating: 4.80/5 from 6,620 App Store ratings · 227 written reviews indexed
- Age rating: 4+
- Requires: iOS 14.0 · 200 MB
- Languages: Chinese (Simplified, China), Chinese (Traditional, Hong Kong SAR China), American English
- Released: 2020-10-17
- Data updated: 2026-08-27
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/bochk/id1534534188/reviews.md

## What is BOCHK 中銀香港?

BOCHK Mobile Banking
Live Easy, Control Smartly

Bank Account Opening, Wealth Management, Investment and Spending All in One App

【One-stop to Take Care of All Your Financial Needs】
．Account opening: With just a HKID card and address, you can open an account without visiting a branch. Account opening can be completed in a few minutes.
．Money transfer: Funds can be transferred via FPS instantly.
．Bill payment: Pay bills for over 850 merchants, with the flexibility to choose between paying with your account or credit card. You can also set reminders, schedule regular payments, and authorize direct payments, making bill management more convenient.
．Time deposit: Flexibly choose from a variety of multi-currency time deposit plans to help you save and grow your money for the future.
．Investment: Trade Hong Kong stocks, China A shares, US stocks, funds, foreign exchange, bonds, and apply for IPOs in one app. A series of investment tools, such as Stock and FX widgets, PickAStock, PlanAhead and Smart Invest help you invest more strategically.
．Credit card: Check your credit card points and enjoy privileges on dining, shopping, and entertainment. You can also check your card balance and choose to pay in installments.
．Insurance: Easily purchase travel, savings, life protection, critical illness, and home insurance, and check your policy information at any time.
．Personal loan: "BOC Express Cash" allows for easy application and low-interest loans. You can choose the repayment period according to your preference.
．Cross-border: With "BOC Remittance Plus," cross-border remittances are free and fast. "BOC Cross-boundary Wealth Management Connect" meets your cross-border wealth management needs.
．Online customer service: 7x24 online customer service to answer your personal banking inquiries.

【Go Green with Green Financial Services】
．BeLeaf: Provide you with green financial tips monthly, adding more fun and green inspiration to your life.
．e-Statements: e-Statements/e-Advice will be retained between 12 months and up to 7 years, with no need to store or organize a large number of paper documents.
．Mobile Token: Use mobile token and biometric authentication instead of physical “securities device” for authentication, making it environmentally friendly and secure.

【Contact Us】
Website：www.bochk.com
Instagram Official Account：bankofchinahongkong
Address：Bank of China Tower, 1 Garden Road, Hong Kong


Reminder: To borrow or not to borrow? Borrow only if you can repay!
Investment/foreign exchange involves risk.

The above products and services are subject to the relevant terms. For details, please contact the staff of Bank of China (Hong Kong) Limited (“the Bank”).

BOCHK is the appointed insurance agency of BOC Life for distribution of life insurance products. The life insurance product is a product of BOC Life but not BOCHK.
In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between BOCHK and the customer out of the selling process or processing of the related transaction, BOCHK is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of the insurance product should be resolved between directly the insurance company and the customer.

For interest, fees and charges, please refer to Key Facts Statement and Conditions for Services available at our website and our app for details of “BOC Express Cash”.

The App, any related materials and other products and services provided through the App are not intended for download, use or access by any person in any jurisdiction where such download or use would be contrary to any applicable law or regulation of that jurisdiction or where we're not licensed or authorized to provide the App or any related materials, or in any jurisdiction that is subject to any sanction regime.

## Key features

- Account opening without branch visit
- Instant money transfers via FPS
- Bill payment for over 850 merchants
- Multi-currency time deposit plans
- Stock, fund, and forex trading
- Credit card management and privileges
- Insurance purchase and policy checks
- Personal loan applications
- Cross-border remittances and wealth management
- 24/7 online customer service

## What do users think of BOCHK 中銀香港?

Overall sentiment: negative

**Pros**

- 👍 Convenient and fast
- 🚀 Smooth user experience
- 📱 Supports Face ID login

**Cons**

- 🐛 Frequent login issues
- 🐛 Scanning ID card problems
- 🐛 Crashes and freezes
- ⏱️ Slow performance
- 🔄 Constant updates
- 🔒 Security concerns

**Commonly reported bugs**

- Unable to login consistently
- ID card scanning not working properly
- App crashing on launch

**Most requested features**

- Add auto-focus for ID card scanning
- Improve location detection for account opening
- Provide better customer support

## Recent user reviews (10 of 227)

All indexed reviews: https://appshunter.io/ios/app/bochk/id1534534188/reviews.md

### 1/5 — 轉賬

*2026-08-19, version 7.5.3*

請提供備注，讓我哋寫下轉賬的原因

### 4/5 — Good bank. UX improvement

*2026-08-15, version 7.5.3*

Plz make the UX better. Similar to monzo or Revolut.

### 5/5 — 亲民

*2026-08-07*

工作人员服务态度极好，网点多。帐户界面友好

### 5/5 — 快捷的中银香港

*2026-08-04*

中银香港的快捷服务非常方便，网上客服有问必答，快速解决问题！

### 4/5 — App reviews

*2026-07-29, version 7.5.2*

Nothing wrong with the app except working too slow.

### 1/5 — 垃圾id variation

*2026-07-27, version 7.5.2*

Plz fix the accuracy of id variation. Such a time waster.

### 1/5 — 好難用

*2026-07-26, version 7.5.2*

非常不人性化，轉帳限額太多

### 1/5 — 身份证永远识别不出来

*2026-07-20*

换多少个背景多少个角度都没用，就想更改个电话号码都能被气死，折腾一天都没解决

### 3/5 — 体验很不友好

*2026-07-15, version 7.5.1*

网速差 经常转圈 密码要求过度 但最后一环却不审核账户

### 2/5 — 体验不好

*2026-07-09, version 7.5.1*

首页做的不简洁

## Frequently asked questions about BOCHK 中銀香港

### What can I do with the BOCHK mobile banking app?

The app allows you to open bank accounts, transfer money instantly via FPS, pay bills for over 850 merchants, manage time deposits, trade stocks, funds, and forex, manage credit cards, purchase insurance, apply for personal loans, and perform cross-border remittances. It also offers 24/7 online customer service.

### How do I open an account with this app?

You can open an account using just your HKID card and address, without needing to visit a branch. The account opening process can be completed in just a few minutes.

### Is there a cost to use the BOCHK mobile banking app?

The app itself is free to download and use. While the app is free, certain financial services like investments, loans, and insurance may have associated costs or fees as per their terms and conditions.

### What devices is the BOCHK app compatible with?

The description does not specify exact compatibility details. However, as a mobile banking application, it is designed for use on smartphones and tablets that can download and run applications from their respective app stores.

### What are the benefits of the green financial services offered?

The green financial services include monthly green financial tips for inspiration, e-statements and e-advice that can be retained for up to 7 years, reducing paper usage. It also features a mobile token for secure and environmentally friendly authentication instead of physical devices.

## Version history (last 5 releases)

### 7.5.3 — 2026-08-11

We have improved our mobile banking service to enhance the user experience.

### 7.5.2 — 2026-07-17

You can now lend your US stocks to third-party brokers through Brand-new “US Stock EarnMore” service and easily earn extra income!

### 7.5.1 — 2026-07-04

We have improved our mobile banking service to enhance the user experience.

### 7.5.0 — 2026-06-26

eTicketing service allows you to get a ticket with selected service via mobile banking, saving your waiting time.
iTarget3 Savings Insurance Plan helps you to achieve the wealth management goal with more currency options.
Added securities commission calculation feature, making transaction details clear at a glance.

### 7.4.9 — 2026-05-24

We have improved our mobile banking service to enhance the user experience.

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All apps by Bank of China (Hong Kong) Limited: https://appshunter.io/developer/385731636

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-27.*