# Octopus 八達通 vs BoC Pay+

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.

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.

## The numbers

| Metric | Octopus 八達通 | BoC Pay+ |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (2.6K ratings)](https://appshunter.io/ios/app/octopus/id1114430602/reviews)** | [3.5 (12 ratings)](https://appshunter.io/ios/app/boc-pay-plus/id1403690384/reviews) |
| Number of ratings | **2.6K** | 12 |
| Positive reviews | 24.3% of reviews | **43.0% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | **Every 2 weeks** | Every 4 weeks |
| Monetization | Free with in-app purchases | **Free** |
| Size | 523 MB | 243 MB |
| Requires iOS | 16.2 | **14.0** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Octopus Cards](https://appshunter.io/developer/880569113) | [Bank of China (Hong Kong) Limited](https://appshunter.io/developer/385731636) |

## What reviewers say

### Octopus 八達通

[App page](https://appshunter.io/ios/app/octopus/id1114430602)

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.

**Highlights:** 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

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- ⭐ Convenient and easy to use
- 🚀 Seamless integration with Apple Pay
- 💳 Ability to manage digital Octopus card

**What reviewers complain about**

- 🐛 Frequent app crashes and bugs
- 🔒 Concerns over personal data collection
- 📱 Incompatibility with older devices and iOS versions
- 💳 Inability to transfer physical Octopus card to app
- 🤖 Poor user experience and confusing interface

**Reported bugs**

- 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**

- 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+

[App page](https://appshunter.io/ios/app/boc-pay-plus/id1403690384)

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.

**Highlights:** 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

**Features:** Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Octopus 八達通 free?

Octopus 八達通 is free to download, with no in-app purchases.

### Is BoC Pay+ free?

BoC Pay+ is free to download, with no in-app purchases.

### Which has better reviews, Octopus 八達通 or BoC Pay+?

Octopus 八達通 is rated higher. Octopus 八達通 averages 4.7 out of 5 from 2.6K ratings, while BoC Pay+ averages 3.5 from 12 ratings.

### Do Octopus 八達通 or BoC Pay+ have ads?

Octopus 八達通 shows ads; BoC Pay+ does not.

### Which is updated more often, Octopus 八達通 or BoC Pay+?

Octopus 八達通 ships an update every 2 weeks, and BoC Pay+ every 4 weeks. Most recently, Octopus 八達通 was updated on October 26, 2026 and BoC Pay+ on October 25, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*