Comparison

PayMe by HSBC vs BoC Pay+

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

PayMe by HSBC

Go cashless with a mobile payment solution accepted at over 60,000 locations across Hong Kong. Easily pay businesses, friends, and family, and enjoy rewards and vouchers. Top up your wallet conveniently from your bank account or credit card.

Highlights
  • Cashless payments at 60,000+ outlets
  • Accepted at major retailers and services
  • Earn discounts, vouchers, and rewards
  • Multiple top-up options (bank account, credit card)
  • Instant payments to friends and family
  • Supports Consumption Voucher Scheme
  • Quick sign-up process
Features
Read full description

Go cashless with PayMe! Pay businesses large and small with more than 60,000 outlets already accepting PayMe across Hong Kong. Accepted at businesses across Hong Kong Check out just a few of the businesses that accept PayMe: - Taobao - HKTVmall - McDonald's - foodpanda - Wellcome - Market Place - Klook - Trip.com - IKEA - UNIQLO - 7-Eleven - SF Express - Fairwood - Genki Sushi - Sasa - Mannings And we're constantly adding new businesses all the time! Get rewarded! With PayMe's great range of offers, flash vouchers and rewards, you can earn discounts when you pay with PayMe. Top up however suits you Choose to top up from your bank account for our highest limits, or choose credit card top ups if you prefer - it's up to you! Auto top ups make sure you've always got money in your PayMe wallet, so you'll never get caught short of funds again! Pay friends instantly Split lunch bills, send laisee and never get caught short of cash when you need to pay your friends and family. Consumption Voucher Scheme As PayMe's part of the Consumption Voucher Scheme, you can receive your voucher and spend it at thousands of merchants. Sign up in minutes Get started paying friends, family and businesses in just a few minutes - all you need is your mobile number, email address and HKID. Download PayMe today! This App is designed for use in Hong Kong. The products and services represented within this App are intended for Hong Kong customers. This App is provided by The Hongkong and Shanghai Banking Corporation Limited (‘HSBC HK’). The Hongkong and Shanghai Banking Corporation Limited is regulated and authorised to carry out banking activities in Hong Kong S.A.R. If you are outside of the Hong Kong, we may not be authorised to offer or provide you with the products and services available through this App in the country/ region/territory you are located or resident in. This App is not intended for distribution, download or use by any person in any jurisdiction or country/ region/territory where the distribution, download or use of this material is restricted and would not be permitted by law or regulation. If you're under 18, please consult your parents or guardians before you give us any information about yourself.

About

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.

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
Read full description

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

PayMe by HSBC4 screens
BoC Pay+4 screens

Verdict

The call

The clearest difference is rating: PayMe by HSBC at 4.6 against BoC Pay+'s 3.7. PayMe by HSBC also leads on ratings volume (2.6K vs 11). On price, review sentiment, update cadence and ads 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

PayMe by HSBC holds the better App Store score, 4.6 against 3.7. That said, the two scores are not equally well evidenced: PayMe by HSBC has 2.6K ratings behind it against 11, so its average is the more settled of the two. Written reviews complicate that: 36% of PayMe by HSBC'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.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 4 weeks. Both last shipped on September 19, 2026.

Scorecard2 real differences · 8 level
PayMe by HSBC versus BoC Pay+: the parameters behind the verdict, then further details
ParameterPayMe by HSBCBoC Pay+
PriceFreeFree
Rating4.6 (2.6K ratings) — better3.7 (11 ratings)
Positive reviews36.0% of reviews43.0% of reviews — better
Number of ratings2.6K — better11
Update frequencyEvery 4 weeksEvery 4 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.014.0 — better
Further details — not scored
Size181 MB243 MB
Age rating4+4+
DeveloperThe Hongkong and Shanghai Banking Corporation Ltd.Bank of China (Hong Kong) Limited

Customer experience

PayMe by HSBC

All ratings2,554 ratings
Positive91.5%
Neutral4.0%
Negative4.5%
Written reviews125 reviews
Positive36.0%
Neutral7.2%
Negative56.8%

BoC Pay+

All ratings11 ratings
Positive54.5%
Neutral18.2%
Negative27.3%
Written reviews79 reviews
Positive43.0%
Neutral8.9%
Negative48.1%

Bugs and requests

PayMe by HSBC

Reported bugs

4 issues
  • Payment records disappearing after app updates
  • Inability to log in or register due to system errors
  • Inconsistent behavior when changing mobile numbers
  • Face scan and ID scanning not working properly

Requested features

4 requests
  • Add support for more payment methods
  • Improve customer support and communication
  • Allow login via email instead of just mobile number
  • Provide better privacy controls and transaction visibility

BoC Pay+

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

PayMe by HSBC

No in-app purchases

None

BoC Pay+

No in-app purchases

Questions

Is PayMe by HSBC free?
PayMe by HSBC 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, PayMe by HSBC or BoC Pay+?
PayMe by HSBC is rated higher. PayMe by HSBC averages 4.6 out of 5 from 2.6K ratings, while BoC Pay+ averages 3.7 from 11 ratings.
Do PayMe by HSBC or BoC Pay+ have ads?
Neither PayMe by HSBC nor BoC Pay+ shows ads.
Which is updated more often, PayMe by HSBC or BoC Pay+?
PayMe by HSBC ships an update every 4 weeks, and BoC Pay+ every 4 weeks. Most recently, PayMe by HSBC was updated on September 19, 2026 and BoC Pay+ on September 19, 2026.

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