# BoC Pay+ vs InstaWally

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.

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.

## The numbers

| Metric | BoC Pay+ | InstaWally |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.7 (11 ratings)](https://appshunter.io/ios/app/boc-pay-plus/id1403690384/reviews)** | — |
| Number of ratings | **11** | — |
| Positive reviews | 43.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 4 weeks** | Every 3 months |
| Monetization | Free | — |
| Size | 243 MB | 203 MB |
| Requires iOS | 14.0 | **13.4** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Bank of China (Hong Kong) Limited](https://appshunter.io/developer/385731636) | [DCS Card Centre Pte Ltd](https://appshunter.io/developer/1468041796) |

## 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


### InstaWally

[App page](https://appshunter.io/ios/app/instawally/id6471822173)

**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 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*