PayMe by HSBC vs BoC Pay+
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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
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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.
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: 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
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.
Both ship on a similar rhythm, roughly every 4 weeks. Both last shipped on September 19, 2026.
| Parameter | PayMe by HSBC | BoC Pay+ |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (2.6K ratings) — better | 3.7 (11 ratings) |
| Positive reviews | 36.0% of reviews | 43.0% of reviews — better |
| Number of ratings | 2.6K — better | 11 |
| Update frequency | Every 4 weeks | Every 4 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.0 | 14.0 — better |
| Further details — not scored | ||
| Size | 181 MB | 243 MB |
| Age rating | 4+ | 4+ |
| Developer | The Hongkong and Shanghai Banking Corporation Ltd. | Bank of China (Hong Kong) Limited |
Customer experience
PayMe by HSBC
BoC Pay+
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
PayMe by HSBC
No in-app purchases
BoC Pay+
No in-app purchases
Questions
Is PayMe by HSBC free?
Is BoC Pay+ free?
Which has better reviews, PayMe by HSBC or BoC Pay+?
Do PayMe by HSBC or BoC Pay+ have ads?
Which is updated more often, PayMe by HSBC or BoC Pay+?
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