BoC Pay+ vs LazyDeposit
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
LazyDeposit
This app simplifies saving money by leveraging AI to help users find high-interest deposit opportunities. It offers a streamlined approach to managing finances and maximizing returns with ease.
- AI-driven interest rate exploration
- High-yield deposit combination calculation
- Simplified savings solutions
- Easy access to high-interest opportunities
- Financial technology innovation
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LazyDeposit「懶人存款」 APP，我們致力於不斷探索AI技術與生成式模型在金融科技領域的創新應用，讓每一位用戶都能輕松享受科技帶來的生活革新與便捷。我們自豪地推出懶人式存款解決方案，讓存錢變得前所未有的簡單，更是讓每位用戶都能輕松實現懶人式存錢，輕松把握每一次高息收益的機遇。
Screenshots
Verdict
The clearest difference is review sentiment: LazyDeposit at 100% against BoC Pay+'s 43%. LazyDeposit also leads on rating (5.0 vs 3.7). BoC Pay+'s advantage is ratings volume (11 vs 3). On price, update cadence, ads and in-app purchases 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.
LazyDeposit holds the better App Store score, 5.0 against 3.7. Both are backed by a comparable volume of ratings — 11 and 3 respectively. Written reviews point the same way: 43% of BoC Pay+'s written reviews are positive against 100% of LazyDeposit's.
BoC Pay+ ships an update every 4 weeks, LazyDeposit monthly. The most recent releases landed on October 16, 2026 and October 3, 2026 respectively.
| Parameter | BoC Pay+ | LazyDeposit |
|---|---|---|
| Price | Free | Free |
| Rating | 3.7 (11 ratings) | 5.0 (3 ratings) — better |
| Positive reviews | 43.0% of reviews | 100.0% of reviews — better |
| Number of ratings | 11 — better | 3 |
| Update frequency | Every 4 weeks — better | Monthly |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 14.0 | 13.0 — better |
| Further details — not scored | ||
| Size | 243 MB | 39 MB |
| Age rating | 4+ | 4+ |
| Developer | Bank of China (Hong Kong) Limited | Fortune Plus Fintech Limited |
Customer experience
BoC Pay+
LazyDeposit
In-app purchases
BoC Pay+
No in-app purchases
LazyDeposit
No in-app purchases
