# BoC Pay+ vs LazyDeposit

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.

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.

## The numbers

| Metric | BoC Pay+ | LazyDeposit |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.7 (11 ratings)](https://appshunter.io/ios/app/boc-pay-plus/id1403690384/reviews) | **[5.0 (3 ratings)](https://appshunter.io/ios/app/lazydeposit/id6520394147/reviews)** |
| Number of ratings | **11** | 3 |
| Positive reviews | 43.0% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 4 weeks** | Monthly |
| Monetization | Free | Free |
| Size | 243 MB | 39 MB |
| Requires iOS | 14.0 | **13.0** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Bank of China (Hong Kong) Limited](https://appshunter.io/developer/385731636) | [Fortune Plus Fintech Limited](https://appshunter.io/developer/1755213980) |

## 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


### LazyDeposit

[App page](https://appshunter.io/ios/app/lazydeposit/id6520394147)

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.

**Highlights:** AI-driven interest rate exploration, High-yield deposit combination calculation, Simplified savings solutions, Easy access to high-interest opportunities, Financial technology innovation

**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 LazyDeposit free?

LazyDeposit is free to download, with no in-app purchases.

### Which has better reviews, BoC Pay+ or LazyDeposit?

LazyDeposit is rated higher. BoC Pay+ averages 3.7 out of 5 from 11 ratings, while LazyDeposit averages 5.0 from 3 ratings.

### Do BoC Pay+ or LazyDeposit have ads?

Neither BoC Pay+ nor LazyDeposit shows ads.

### Which is updated more often, BoC Pay+ or LazyDeposit?

BoC Pay+ ships an update every 4 weeks, and LazyDeposit monthly. Most recently, BoC Pay+ was updated on October 16, 2026 and LazyDeposit on October 3, 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.*