Comparison

BoC Pay+ vs InstaWally

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

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
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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

About

InstaWally

Features
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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

BoC Pay+4 screens
InstaWally4 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

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.

Scorecard1 real difference · 9 level
BoC Pay+ versus InstaWally: the parameters behind the verdict, then further details
ParameterBoC Pay+InstaWally
PriceFreeFree
Rating3.7 (11 ratings) — better—
Positive reviews43.0% of reviews—
Number of ratings11 — better—
Update frequencyEvery 4 weeks — betterEvery 3 months
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPodiPhone, iPod
Requires iOS14.013.4 — better
Further details — not scored
Size243 MB203 MB
Age rating4+4+
DeveloperBank of China (Hong Kong) LimitedDCS Card Centre Pte Ltd

In-app purchases

None

BoC Pay+

No in-app purchases

None

InstaWally

No in-app purchases

Questions

Is BoC Pay+ free?
BoC Pay+ is free to download, with no in-app purchases.
Is InstaWally free?
InstaWally is free to download, with no in-app purchases.
Do BoC Pay+ or InstaWally have ads?
Neither BoC Pay+ nor InstaWally shows ads.
Which is updated more often, BoC Pay+ or InstaWally?
BoC Pay+ ships an update every 4 weeks, and InstaWally every 3 months. Most recently, BoC Pay+ was updated on October 16, 2026 and InstaWally on October 10, 2026.

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