Octopus 八達通 vs BoC Pay+
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Octopus 八達通
Manage your everyday finances and payments with this app. Top up transit cards, pay bills online, and earn rewards. It also offers prepaid cards for global shopping and enhanced spending control.
- Top up Octopus cards
- Check expenses and subsidies
- Mobile Octopus for iPhone/Apple Watch
- Online payments for transport and retail
- Earn rewards and eStamps
- Prepaid Mastercard and UnionPay QR cards
- Spending control and limits
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Take it easy with the Octopus App! Manage your everyday expenses – top up your Octopus cards, pay online, and reap additional rewards – all with your mobile! Services include: TOP UP YOUR OCTOPUS, CHECK EXPENSES AND COLLECT SUBSIDIES Go cashless and top up your own Octopus cards and even your family’s via Faster Payment System (FPS); check your card’s remaining value and spending records, and collect Public Transport Fare Subsidies GET MOBILE OCTOPUS FOR EXTRA EASE AND CONVENIENCE Add an Octopus to your iPhone or Apple Watch and reload anytime anywhere; style it with your favourite card images! PAY ONLINE WITH OCTOPUS, FOR TRANSPORT, RETAIL AND MORE Purchase MTR, KMB or Sun Ferry monthly pass without queuing; buy at popular online merchants such as supermarkets and fast food restaurants; even pay Government and telecom bills “DOOD REWARDS” PLATFORM – EVERYDAY REWARDS SUPERPOWER! Link your Octopus to wallet to start Dood Rewards and earn rewards effortlessly through everyday spending. Take on Mission and collect eStamps to unlock personalized offers, flash grab, rebate vouchers, and more exciting rewards! SHOP AROUND THE WORLD WITH OUR TWO PREPAID CARDS WITH EASE AND CONTROL Get our prepaid Mastercard and UnionPay QR instantly with just a few clicks. Octopus Mastercard can be used at all online merchants that accept Mastercard; you can also add it to Apple Pay to tap your mobile to pay around the world. Octopus UnionPay QR lets you pay at over 30 million merchants on the Mainland and beyond. You can top up the prepaid cards via FPS to control how much you spend, set daily and per transaction limits, or even turn them off to prevent unauthorized transactions. For more details, please visit www.octopus.com.hk/octopusapp Licence Number: SVF0001
BoC Pay+
Manage credit cards, apply for installments, and earn rewards. This app allows you to top up value with BOC Credit Cards, track points, and redeem them for spending. Enjoy convenient small amount payments without a password.
- Top up with BOC Credit Cards
- Manage credit cards
- Apply for installments
- Earn and redeem points
- Check gift points balance
- Small amount payment without password
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New functions with better experience: • Top up value by all BOC Credit Card • One stop platform to manage all your Credit Cards and apply for instalment • Earn Points by all payments • Offset spending with points for local and cross-border spending • Check gift points balance and redeem rewards • No password required for local small amount payments Reminder: To borrow or not to borrow? Borrow only if you can repay! SVF License Number: SVFB072
Screenshots
Verdict
The clearest difference is rating: Octopus 八達通 at 4.7 against BoC Pay+'s 3.5. Octopus 八達通 also leads on ratings volume (2.6K vs 12). BoC Pay+'s advantage is ads (none vs shown) and monetization model (free vs free with in-app purchases). On price, update cadence, in-app purchases and device support there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Octopus 八達通 holds the better App Store score, 4.7 against 3.5. That said, the two scores are not equally well evidenced: Octopus 八達通 has 2.6K ratings behind it against 12, so its average is the more settled of the two. Written reviews complicate that: 24% of Octopus 八達通's written reviews are positive against 43% of BoC Pay+'s, so the app with the better star average is not the one people write more warmly about.
Octopus 八達通 ships an update every 2 weeks, BoC Pay+ every 4 weeks. The most recent releases landed on October 26, 2026 and October 25, 2026 respectively.
| Parameter | Octopus 八達通 | BoC Pay+ |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (2.6K ratings) — better | 3.5 (12 ratings) |
| Positive reviews | 24.3% of reviews | 43.0% of reviews — better |
| Number of ratings | 2.6K — better | 12 |
| Update frequency | Every 2 weeks — better | Every 4 weeks |
| Ads | Yes | No — better |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone | iPhone, iPod — better |
| Requires iOS | 16.2 | 14.0 — better |
| Further details — not scored | ||
| Size | 523 MB | 243 MB |
| Age rating | 4+ | 4+ |
| Developer | Octopus Cards | Bank of China (Hong Kong) Limited |
Customer experience
Octopus 八達通
BoC Pay+
Bugs and requests
Octopus 八達通
Reported bugs
4 issues- Password-related issues (unable to confirm, length limits)
- Inconsistent behavior when topping up Octopus wallet
- HKID verification process not working reliably
- Inability to transfer physical Octopus card to app
Requested features
4 requests- Allow registration with non-Hong Kong phone numbers
- Provide option to directly top up Octopus card without wallet
- Implement NFC support for seamless tap-and-go payments
- Improve transaction history and financial management features
BoC Pay+
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Octopus 八達通
No in-app purchases
BoC Pay+
No in-app purchases
