Comparison

AlipayHK vs 螞蟻銀行(香港)

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

Head to head
About

AlipayHK

This app offers a comprehensive mobile payment solution, enabling users to pay at a vast network of merchants, including local shops, online platforms, and international destinations. It also facilitates easy public transport payments and a range of bill payment services, alongside exclusive offers and rewards.

Highlights
  • Extensive merchant payment network
  • Cross-border payment services
  • Public transport QR code payments
  • Bill payment for utilities and services
  • Collect coupons and earn rewards
  • Integrates with Apple HealthKit for missions
Features
Read full description

AlipayHK provides diversified mobile payment services to users. With AlipayHK, users can enjoy different payment services, offers and value-added services, that makes life easier and more convenient. The Wide Coverage of AlipayHK’s Payment Services: AlipayHK covers over 100,000 merchants, including physical and online outlets of local retail shops, convenience stores, supermarkets, wet market stalls, restaurants, eCommerce platforms, and a variety of online services and experiences, including food delivery and digital entertainment, etc. In addition, AlipayHK’s cross-border payment service is now accepted by almost all physical stores in the Chinese mainland, around 90% of merchants in Macao and popular shopping areas in Japan. AlipayHK users can enjoy preferential exchange rates for cross-border payments in these locations. Travelling around the City at Ease with Just One App: Being the first mobile wallet that introduces QR code payment across MTR (heavy rail network), AlipayHK’s public transport payment network currently covers taxi, Kowloon Motor Bus (KMB), Citybus, New World First Bus (NWFB), Long Win Bus (LWB), New Lantao Bus (NLB), as well as selected green minibus and ferry routes. AlipayHK is expected to gradually extend its coverage to include Hong Kong Tramways soon. A Variety of Value-added Services and Offers: AlipayHK covers a wide array of bill payment services, including government bills, electricity, gas, mobile service, broadband service, pay television and education center tuition fees, etc. In addition to the extensive payment network, AlipayHK also offers services and benefits beyond payment. Users can collect different types of coupons, complete walking mission which has been connected to Apple HealthKit feature and earn stamps on purchases within the app. With AlipayHK, users can enjoy Payment + Living with just one app! For more details about AlipayHK, please visit: https://www.alipayhk.com SVF License Number: SVF0004

About

螞蟻銀行(香港)

A digital bank offering fast, secure, and professional banking services. Access high-interest savings, investments, loans, and insurance, all managed through a user-friendly mobile platform. Enjoy convenient transfers and 24/7 customer support.

Highlights
  • Quick account opening
  • High-interest eM+ account
  • Protected savings (HKDPS)
  • Time deposit control
  • Investment account opening
  • Online insurance management
  • Personal and instalment loans
  • Easy transfers
Read full description

Ant Bank (Hong Kong) is a digital bank wholly owned by Ant International and serve as the official partner of AlipayHK and Alipay. We strive to bring you simple, fast, secure, and professional banking services, making financial management more accessible and offering you a truly unique banking experience. • Quick account opening Open your account in 1 minute* • eM+ Account Enjoys High Interest No minimum deposit requirement, and let your idle funds earn daily interest • Protected savings As a member of the Hong Kong Deposit Protection Scheme, eligible deposits (up to HKD 800,000 per depositor) taken by us are protected. • Take control of your time deposits With a minimal amount of just HK$1, you can effortlessly make withdrawals while enjoying stable deposit returns • Open Investment Account quick as 1 minute Open a fund account in just 1 minute*. Subscribe from as low as HK$1 and the subscription fee low as HK$0! • Get insured anytime and anywhere through online platform. Learn about the product features online and easily manage your policies, making insurance management simpler and more efficient • Easy Financing Personal and Instalment Loan allow you to easily address any cash flow issues. Enjoy "Buy Now Pay Later" shopping experience at ease using Ant Bank PayLater • Transfers anytime, anywhere Transfers can be done easily with your mobile number, email address, bank account number or FPS ID. • Information security We protect your account and information using cutting-edge technology. • Customer support Customer support is just a quick chat or phone call away, available 24/7, all year round. Disclaimer: This App is provided by Ant Bank (Hong Kong) Limited ("Ant Bank"). This App and the products and services available through it are not intended for download or use by any person in any jurisdiction other than where Ant Bank is licensed to operate. This App is not and should not be regarded as an offer, solicitation, or recommendation to take up products and services to any person in any jurisdiction to whom such an offer, solicitation or recommendation would be unlawful. Investing involves risks. The value of investments and any income generated may rise or fall, and investors may not recover the full amount of their initial investment. Past performance is not indicative of future results. No responsibility is assumed for any loss incurred by any person acting on the information contained herein. This content is for reference purposes only and does not constitute a sales offer, invitation, or solicitation for any investment product or service, nor should it be regarded as any investment advice or guarantee of returns. Please consult independent professional advice if necessary. Insurance products are underwritten by third-party insurance companies and are only distributed through Ant Bank (Hong Kong) Limited as an agent in the Hong Kong. For detailed product features, terms, and conditions, please refer to the relevant product brochure and policy wording. Ant Bank (Hong Kong) Limited is a licensed insurance agent, holding licence number GA1061. *The time required to open an account depends on the actual circumstances. In general, users can open an account in as fast as 1 minutes, without submitting any additional information. 1 minute is the fastest account opening time; actual processing time may vary depending on individual cases. Reminders about Responsible Borrowing - You should have a clear understanding of your financial condition, daily expenses, and actual borrowing needs. - You should have assessed your repayment ability and avoid over-borrowing. - You should repay any outstanding balance on time to avoid late payment charges and additional overdue interest charged by the bank. To borrow or not to borrow? Borrow only if you can repay! In case you wish to enquire whether a third party is appointed by our Bank for referring loan application, please contact customer service hotline 2325 0303.

Screenshots

AlipayHK4 screens
螞蟻銀行(香港)4 screens

Verdict

The call

AlipayHK and 螞蟻銀行(香港) both sit at 2.7 stars, but that hides the real split: 50% of 螞蟻銀行(香港)'s written reviews are positive against 21% of AlipayHK's. AlipayHK's advantage is ratings volume (113 vs 8). On price, rating, 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

螞蟻銀行(香港) holds the better App Store score, 2.9 against 2.7. That said, the two scores are not equally well evidenced: AlipayHK has 113 ratings behind it against 8, so its average is the more settled of the two. Written reviews point the same way: 21% of AlipayHK's written reviews are positive against 50% of 螞蟻銀行(香港)'s.

UpkeepUpdate frequency

AlipayHK ships an update every 3 weeks, 螞蟻銀行(香港) monthly. The most recent releases landed on November 6, 2026 and November 7, 2026 respectively.

Scorecard2 real differences · 8 level
AlipayHK versus 螞蟻銀行(香港): the parameters behind the verdict, then further details
ParameterAlipayHK螞蟻銀行(香港)
PriceFreeFree
Rating2.7 (113 ratings)2.9 (8 ratings) — better
Positive reviews21.2% of reviews50.0% of reviews — better
Number of ratings113 — better8
Update frequencyEvery 3 weeks — betterMonthly
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS13.0 — better14.0
Further details — not scored
Size318 MB231 MB
Age rating4+4+
DeveloperAlipay Payment Services (HK) LimitedANT BANK HONG KONG LIMITED

Customer experience

AlipayHK

All ratings113 ratings
Positive38.9%
Neutral11.5%
Negative49.6%
Written reviews85 reviews
Positive21.2%
Neutral11.8%
Negative67.1%

螞蟻銀行(香港)

All ratings8 ratings
Positive50.0%
Neutral0.0%
Negative50.0%
Written reviews2 reviews
Positive50.0%
Neutral0.0%
Negative50.0%

In-app purchases

None

AlipayHK

No in-app purchases

None

螞蟻銀行(香港)

No in-app purchases

Questions

Is AlipayHK free?
AlipayHK is free to download, with no in-app purchases.
Is 螞蟻銀行(香港) free?
螞蟻銀行(香港) is free to download, with no in-app purchases.
Which has better reviews, AlipayHK or 螞蟻銀行(香港)?
螞蟻銀行(香港) is rated higher. AlipayHK averages 2.7 out of 5 from 113 ratings, while 螞蟻銀行(香港) averages 2.9 from 8 ratings.
Do AlipayHK or 螞蟻銀行(香港) have ads?
Neither AlipayHK nor 螞蟻銀行(香港) shows ads.
Which is updated more often, AlipayHK or 螞蟻銀行(香港)?
AlipayHK ships an update every 3 weeks, and 螞蟻銀行(香港) monthly. Most recently, AlipayHK was updated on November 6, 2026 and 螞蟻銀行(香港) on November 7, 2026.

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