KGI Key vs BoC Pay+
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
KGI Key
This app provides two-factor authentication for enhanced security when logging into KGI Hong Kong's trading system. It supports push notifications and generates offline one-time passwords. Users can also manage their registered accounts.
- Two-factor authentication
- Push notification support
- Offline one-time password generation
- Account reactivation
- Account editing
- Account deletion
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KGI Key is the official security mobile application of two-factor authentication for login offered by KGI Hong Kong. Major features include : - Support push notification - Generating offline one-time password for logging-in KGI Securities trading system - Reactivate /edit / delete your registered accounts
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: BoC Pay+ at 3.5 against KGI Key's 1.0. BoC Pay+ also leads on ratings volume (12 vs 1) and update cadence (every 4 weeks vs every 2 months). KGI Key's advantage is iOS requirement (10.0 vs 14.0). On price, ads, in-app purchases and monetization model 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.
BoC Pay+ holds the better App Store score, 3.5 against 1.0. That said, the two scores are not equally well evidenced: BoC Pay+ has 12 ratings behind it against 1, so its average is the more settled of the two.
KGI Key ships an update every 2 months, BoC Pay+ every 4 weeks. The most recent releases landed on October 3, 2026 and October 21, 2026 respectively.
| Parameter | KGI Key | BoC Pay+ |
|---|---|---|
| Price | Free | Free |
| Rating | 1.0 (1 ratings) | 3.5 (12 ratings) — better |
| Positive reviews | — | 43.0% of reviews |
| Number of ratings | 1 | 12 — better |
| Update frequency | Every 2 months | Every 4 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 10.0 — better | 14.0 |
| Further details — not scored | ||
| Size | 14 MB | 243 MB |
| Age rating | 4+ | 4+ |
| Developer | KGI Asia Limited | Bank of China (Hong Kong) Limited |
Customer experience
KGI Key
BoC Pay+
In-app purchases
KGI Key
No in-app purchases
BoC Pay+
No in-app purchases
