# PayMe by HSBC vs BoC Pay+

The clearest difference is rating: PayMe by HSBC at 4.6 against BoC Pay+'s 3.5. PayMe by HSBC also leads on ratings volume (2.6K vs 12). On price, review sentiment, update cadence and ads there is nothing between them.

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 3.5. That said, the two scores are not equally well evidenced: PayMe by HSBC has 2.6K ratings behind it against 12, 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.

PayMe by HSBC ships an update every 3 weeks, BoC Pay+ every 4 weeks. Both last shipped on November 2, 2026.

## The numbers

| Metric | PayMe by HSBC | BoC Pay+ |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (2.6K ratings)](https://appshunter.io/ios/app/payme-by-hsbc/id1184264977/reviews)** | [3.5 (12 ratings)](https://appshunter.io/ios/app/boc-pay-plus/id1403690384/reviews) |
| Number of ratings | **2.6K** | 12 |
| Positive reviews | 36.0% of reviews | **43.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Every 4 weeks |
| Monetization | Free | Free |
| Size | 177 MB | 243 MB |
| Requires iOS | 15.0 | **14.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [The Hongkong and Shanghai Banking Corporation Ltd.](https://appshunter.io/developer/306028848) | [Bank of China (Hong Kong) Limited](https://appshunter.io/developer/385731636) |

## What reviewers say

### PayMe by HSBC

[App page](https://appshunter.io/ios/app/payme-by-hsbc/id1184264977)

Go cashless with this payment app, accepted at over 60,000 outlets in Hong Kong. Easily pay businesses, friends, and family, and earn rewards. Top up via bank account or credit card, with auto top-ups available.

**Highlights:** Cashless payments at 60,000+ outlets, Pay friends and family instantly, Earn rewards, vouchers, and discounts, Top up via bank account or credit card, Auto top-up functionality, Supports Consumption Voucher Scheme

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 💳 Great payment app
- 🚀 Convenient and easy to use
- 🤝 Useful for splitting bills and group payments

**What reviewers complain about**

- 🐛 Frequent app crashes and bugs
- 🔒 Poor security and login issues
- 📱 Difficult to set up and use
- 🤖 Unreliable facial recognition and ID scanning
- 💰 Restrictive payment limits and funding options

**Reported bugs**

- 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**

- 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+

[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 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 3.5 from 12 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 3 weeks, and BoC Pay+ every 4 weeks. Most recently, PayMe by HSBC was updated on November 2, 2026 and BoC Pay+ on November 2, 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.*