# ZA Bank vs Jay價值選股

The clearest difference is in-app purchases: ZA Bank at none against Jay價值選股's 9. Jay價值選股's advantage is update cadence (every 4 days vs every 2 weeks) and iOS requirement (13.0 vs 15.0). On price, ads and device support there is nothing between them.

Both are free to download. Jay價值選股 sells 9 in-app purchases, starting at $9.99 per month. ZA Bank asks for nothing beyond the download.

ZA Bank ships an update every 2 weeks, Jay價值選股 every 4 days. The most recent releases landed on October 26, 2026 and October 25, 2026 respectively.

## The numbers

| Metric | ZA Bank | Jay價值選股 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (3.8K ratings)](https://appshunter.io/ios/app/za-bank/id1477150600/reviews)** | — |
| Number of ratings | **3.8K** | — |
| Positive reviews | 66.7% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 2 weeks | **Every 4 days** |
| Monetization | Free | — |
| Size | 258 MB | 144 MB |
| Requires iOS | 15.0 | **13.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [ZA Bank Limited](https://appshunter.io/developer/1477150599) | [JingLiang](https://appshunter.io/developer/1780816273) |

## What reviewers say

### ZA Bank

[App page](https://appshunter.io/ios/app/za-bank/id1477150600)

This regulated digital bank offers a comprehensive suite of financial services, including deposits, loans, foreign exchange, and investment options, all within a single mobile application. Experience fast account opening and a customizable debit card with enhanced security features.

**Highlights:** Deposits and loans, Foreign currency exchange, Local and overseas transfers, Insurance and stocks, Customizable debit card, Fast account opening

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Convenient and easy to use
- 🚀 Fast and efficient services
- 🔒 Secure banking experience
- 💡 Innovative features like FPS registration
- 🤑 Helpful for government cash payout scheme

**What reviewers complain about**

- 🐛 Facial recognition issues
- 🤯 Confusing and cluttered interface
- 🔑 Tedious account verification process
- 🤖 Poor customer service and support
- 🌍 Limited availability outside of Hong Kong

**Reported bugs**

- App crashes during HKID scanning
- Login issues and account lockouts
- Compatibility problems with certain devices

**Requested features**

- Improve facial recognition accuracy
- Simplify and streamline the user interface
- Enhance customer support and communication
- Expand availability to more regions


### Jay價值選股

[App page](https://appshunter.io/ios/app/jay/id6757832097)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (9)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 月付方案 | $9.99 | per month |
| 專業版 90天｜輕鬆入門精選內容 | $79.00 | per 3 months |
| 專業版 365天｜APP完整全功能+個股分析月報 | $189.00 | per year |
| 專業版 365天｜APP完整全功能+個股分析月報 | $199.00 | per year |
| 專業版 365天｜APP完整全功能+個股分析月報 | $209.00 | per year |
| 專業版 365天｜APP完整全功能+個股分析月報 | $229.00 | per year |
| 專業版 365天｜APP完整全功能+個股分析月報 | $289.00 | per year |
| 尊榮版 365天｜Jay 1對1深度持倉健檢 | $479.00 | per year |
| 尊榮版 365天｜Jay 1對1深度持倉健檢 | $599.00 | per year |


## Frequently asked questions

### Is ZA Bank free?

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

### Is Jay價值選股 free?

Jay價值選股 is free to download, with in-app purchases available.

### Do ZA Bank or Jay價值選股 have ads?

Neither ZA Bank nor Jay價值選股 shows ads.

### Which is updated more often, ZA Bank or Jay價值選股?

ZA Bank ships an update every 2 weeks, and Jay價值選股 every 4 days. Most recently, ZA Bank was updated on October 26, 2026 and Jay價值選股 on October 25, 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.*