BoC Pay+ vs InstaWally
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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
InstaWally
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InstaWally for Fintechs and Businesses - A proprietary white-label wallet app designed to streamline payments for businesses and their customers on a single platform. - Easily set up your own wallet program with integrated payment features, including credit card issuing, top-ups via bank transfers, and digital assets. Launch your customer loyalty program hassle-free. - Tailor the wallet experience with your brand colors and design to ensure a consistent brand identity. - Save on resources by leveraging our platform, eliminating the need for your own infrastructure to manage the wallet app. About Us DCS Innov emerged from the vision of DCS Card Centre to spearhead payment innovation within Singapore and the region. We benefit from several operational strengths of DCS Card Centre as an established financial institution that is regulated under the Banking Act. These include its regulatory licenses, cards and payments infrastructure, as well as risk and compliance processes. All of which can now be harnessed within a single stop shop at Innov. For fintechs/businesses who would like to request for a demo, please visit www.dcsinnov.com.
Screenshots
Verdict
The clearest difference is update cadence: BoC Pay+ at every 4 weeks against InstaWally's every 3 months. On price, ads, in-app purchases and device support 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+ ships an update every 4 weeks, InstaWally every 3 months. The most recent releases landed on October 16, 2026 and October 10, 2026 respectively.
| Parameter | BoC Pay+ | InstaWally |
|---|---|---|
| Price | Free | Free |
| Rating | 3.7 (11 ratings) — better | — |
| Positive reviews | 43.0% of reviews | — |
| Number of ratings | 11 — better | — |
| Update frequency | Every 4 weeks — better | Every 3 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 14.0 | 13.4 — better |
| Further details — not scored | ||
| Size | 243 MB | 203 MB |
| Age rating | 4+ | 4+ |
| Developer | Bank of China (Hong Kong) Limited | DCS Card Centre Pte Ltd |
In-app purchases
BoC Pay+
No in-app purchases
InstaWally
No in-app purchases









