# BoC Pay+ vs 中銀保誠退休金

The clearest difference is rating: BoC Pay+ at 3.5 against 中銀保誠退休金's 1.0. BoC Pay+ also leads on ratings volume (12 vs 1). 中銀保誠退休金's advantage is iOS requirement (11.0 vs 14.0). On price, update cadence, ads and in-app purchases 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.

BoC Pay+ ships an update every 4 weeks, 中銀保誠退休金 every 2 months. The most recent releases landed on October 25, 2026 and October 1, 2026 respectively.

## The numbers

| Metric | BoC Pay+ | 中銀保誠退休金 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.5 (12 ratings)](https://appshunter.io/ios/app/boc-pay-plus/id1403690384/reviews)** | [1.0 (1 ratings)](https://appshunter.io/ios/app/id1547236505/reviews) |
| Number of ratings | **12** | 1 |
| Positive reviews | 43.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 4 weeks** | Every 2 months |
| Monetization | Free | — |
| Size | 243 MB | 9 MB |
| Requires iOS | 14.0 | **11.0** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Bank of China (Hong Kong) Limited](https://appshunter.io/developer/385731636) | [中銀國際英國保誠信託有限公司](https://appshunter.io/developer/418105238) |

## 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


### 中銀保誠退休金

[App page](https://appshunter.io/ios/app/id1547236505)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is BoC Pay+ free?

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

### Is 中銀保誠退休金 free?

中銀保誠退休金 is free to download, with no in-app purchases.

### Which has better reviews, BoC Pay+ or 中銀保誠退休金?

BoC Pay+ is rated higher. BoC Pay+ averages 3.5 out of 5 from 12 ratings, while 中銀保誠退休金 averages 1.0 from 1 ratings.

### Do BoC Pay+ or 中銀保誠退休金 have ads?

Neither BoC Pay+ nor 中銀保誠退休金 shows ads.

### Which is updated more often, BoC Pay+ or 中銀保誠退休金?

BoC Pay+ ships an update every 4 weeks, and 中銀保誠退休金 every 2 months. Most recently, BoC Pay+ was updated on October 25, 2026 and 中銀保誠退休金 on October 1, 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.*