# BoC Pay+ vs ZA Bank

The clearest difference is rating: ZA Bank at 4.8 against BoC Pay+'s 3.5. ZA Bank also leads on ratings volume (3.8K vs 12) and review sentiment (67% vs 43%). 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.

ZA Bank holds the better App Store score, 4.8 against 3.5. That said, the two scores are not equally well evidenced: ZA Bank has 3.8K ratings behind it against 12, so its average is the more settled of the two. Written reviews point the same way: 43% of BoC Pay+'s written reviews are positive against 67% of ZA Bank's.

BoC Pay+ ships an update every 4 weeks, ZA Bank every 2 weeks. The most recent releases landed on October 25, 2026 and October 26, 2026 respectively.

## The numbers

| Metric | BoC Pay+ | ZA Bank |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.5 (12 ratings)](https://appshunter.io/ios/app/boc-pay-plus/id1403690384/reviews) | **[4.8 (3.8K ratings)](https://appshunter.io/ios/app/za-bank/id1477150600/reviews)** |
| Number of ratings | 12 | **3.8K** |
| Positive reviews | 43.0% of reviews | **66.7% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 4 weeks | **Every 2 weeks** |
| Monetization | Free | Free |
| Size | 243 MB | 258 MB |
| Requires iOS | **14.0** | 15.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Bank of China (Hong Kong) Limited](https://appshunter.io/developer/385731636) | [ZA Bank Limited](https://appshunter.io/developer/1477150599) |

## What reviewers say

### 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


### ZA Bank

[App page](https://appshunter.io/ios/app/za-bank/id1477150600)

This regulated digital bank offers a comprehensive suite of financial services, including deposits, loans, foreign exchange, and investment options, all within a single mobile application. Experience fast account opening and a customizable debit card with enhanced security features.

**Highlights:** Deposits and loans, Foreign currency exchange, Local and overseas transfers, Insurance and stocks, Customizable debit card, Fast account opening

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Convenient and easy to use
- 🚀 Fast and efficient services
- 🔒 Secure banking experience
- 💡 Innovative features like FPS registration
- 🤑 Helpful for government cash payout scheme

**What reviewers complain about**

- 🐛 Facial recognition issues
- 🤯 Confusing and cluttered interface
- 🔑 Tedious account verification process
- 🤖 Poor customer service and support
- 🌍 Limited availability outside of Hong Kong

**Reported bugs**

- App crashes during HKID scanning
- Login issues and account lockouts
- Compatibility problems with certain devices

**Requested features**

- Improve facial recognition accuracy
- Simplify and streamline the user interface
- Enhance customer support and communication
- Expand availability to more regions


## Frequently asked questions

### Is BoC Pay+ free?

BoC Pay+ is free to download, with no in-app purchases.

### Is ZA Bank free?

ZA Bank is free to download, with no in-app purchases.

### Which has better reviews, BoC Pay+ or ZA Bank?

ZA Bank is rated higher. BoC Pay+ averages 3.5 out of 5 from 12 ratings, while ZA Bank averages 4.8 from 3.8K ratings.

### Do BoC Pay+ or ZA Bank have ads?

Neither BoC Pay+ nor ZA Bank shows ads.

### Which is updated more often, BoC Pay+ or ZA Bank?

BoC Pay+ ships an update every 4 weeks, and ZA Bank every 2 weeks. Most recently, BoC Pay+ was updated on October 25, 2026 and ZA Bank on October 26, 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.*