# KGI Key vs BoC Pay+

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.

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.

## The numbers

| Metric | KGI Key | BoC Pay+ |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.0 (1 ratings)](https://appshunter.io/ios/app/kgi-key/id1368938461/reviews) | **[3.5 (12 ratings)](https://appshunter.io/ios/app/boc-pay-plus/id1403690384/reviews)** |
| Number of ratings | 1 | **12** |
| Positive reviews | — | 43.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 4 weeks** |
| Monetization | Free | Free |
| Size | 14 MB | 243 MB |
| Requires iOS | **10.0** | 14.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [KGI Asia Limited](https://appshunter.io/developer/553173986) | [Bank of China (Hong Kong) Limited](https://appshunter.io/developer/385731636) |

## What reviewers say

### KGI Key

[App page](https://appshunter.io/ios/app/kgi-key/id1368938461)

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.

**Highlights:** Two-factor authentication, Push notification support, Offline one-time password generation, Account reactivation, Account editing, Account deletion

**Features:** macOS Compatibility

**In-app purchases:** none


### 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 KGI Key free?

KGI Key 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, KGI Key or BoC Pay+?

BoC Pay+ is rated higher. KGI Key averages 1.0 out of 5 from 1 ratings, while BoC Pay+ averages 3.5 from 12 ratings.

### Do KGI Key or BoC Pay+ have ads?

Neither KGI Key nor BoC Pay+ shows ads.

### Which is updated more often, KGI Key or BoC Pay+?

KGI Key ships an update every 2 months, and BoC Pay+ every 4 weeks. Most recently, KGI Key was updated on October 3, 2026 and BoC Pay+ on October 21, 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.*