Comparison

BOCHK 中銀香港 vs 富途牛牛

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

Head to head
About

BOCHK 中銀香港

Manage all your financial needs in one place. Open accounts, transfer money, pay bills, invest, and manage loans and insurance. Enjoy convenient banking with online customer service and green financial options.

Highlights
  • Account opening without branch visit
  • Instant money transfers via FPS
  • Bill payment for over 850 merchants
  • Multi-currency time deposit plans
  • Stock, fund, and forex trading
  • Credit card management and privileges
  • Insurance purchase and policy checks
  • Personal loan applications
  • Cross-border remittances and wealth management
  • 24/7 online customer service
Read full description

BOCHK Mobile Banking Live Easy, Control Smartly Bank Account Opening, Wealth Management, Investment and Spending All in One App 【One-stop to Take Care of All Your Financial Needs】 .Account opening: With just a HKID card and address, you can open an account without visiting a branch. Account opening can be completed in a few minutes. .Money transfer: Funds can be transferred via FPS instantly. .Bill payment: Pay bills for over 850 merchants, with the flexibility to choose between paying with your account or credit card. You can also set reminders, schedule regular payments, and authorize direct payments, making bill management more convenient. .Time deposit: Flexibly choose from a variety of multi-currency time deposit plans to help you save and grow your money for the future. .Investment: Trade Hong Kong stocks, China A shares, US stocks, funds, foreign exchange, bonds, and apply for IPOs in one app. A series of investment tools, such as Stock and FX widgets, PickAStock, PlanAhead and Smart Invest help you invest more strategically. .Credit card: Check your credit card points and enjoy privileges on dining, shopping, and entertainment. You can also check your card balance and choose to pay in installments. .Insurance: Easily purchase travel, savings, life protection, critical illness, and home insurance, and check your policy information at any time. .Personal loan: "BOC Express Cash" allows for easy application and low-interest loans. You can choose the repayment period according to your preference. .Cross-border: With "BOC Remittance Plus," cross-border remittances are free and fast. "BOC Cross-boundary Wealth Management Connect" meets your cross-border wealth management needs. .Online customer service: 7x24 online customer service to answer your personal banking inquiries. 【Go Green with Green Financial Services】 .BeLeaf: Provide you with green financial tips monthly, adding more fun and green inspiration to your life. .e-Statements: e-Statements/e-Advice will be retained between 12 months and up to 7 years, with no need to store or organize a large number of paper documents. .Mobile Token: Use mobile token and biometric authentication instead of physical “securities device” for authentication, making it environmentally friendly and secure. 【Contact Us】 Website:www.bochk.com Instagram Official Account:bankofchinahongkong Address:Bank of China Tower, 1 Garden Road, Hong Kong Reminder: To borrow or not to borrow? Borrow only if you can repay! Investment/foreign exchange involves risk. The above products and services are subject to the relevant terms. For details, please contact the staff of Bank of China (Hong Kong) Limited (“the Bank”). BOCHK is the appointed insurance agency of BOC Life for distribution of life insurance products. The life insurance product is a product of BOC Life but not BOCHK. In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between BOCHK and the customer out of the selling process or processing of the related transaction, BOCHK is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of the insurance product should be resolved between directly the insurance company and the customer. For interest, fees and charges, please refer to Key Facts Statement and Conditions for Services available at our website and our app for details of “BOC Express Cash”. The App, any related materials and other products and services provided through the App are not intended for download, use or access by any person in any jurisdiction where such download or use would be contrary to any applicable law or regulation of that jurisdiction or where we're not licensed or authorized to provide the App or any related materials, or in any jurisdiction that is subject to any sanction regime.

About

富途牛牛

Access real-time market data, advanced analysis tools, and a vibrant investor community. Make informed investment decisions with AI-powered insights and comprehensive financial information.

Highlights
  • Real-time stock quotes (HK, US, A, JP, SG)
  • AI-powered market analysis and predictions
  • Extensive investor community with KOLs
  • Advanced charting and technical analysis tools
  • Institutional investor tracking
  • 24/7 global financial news
Features
Read full description

富途牛牛是富途控股旗下的投資 App,覆蓋港美股股票市場以及多種金融產品,手機、平板電腦、電腦均適用。同時提供 24 小時無間斷全球財經專業資訊、全港最大投資社區牛牛圈、即時報價、全方位數據技術分析、多種實用投資功能,為你的投資保駕護航! 立即下載富途牛牛,讓投資決策變得更高效、更輕鬆! 【為何選擇富途交易?】 1. 全港最大:富途控股於美國上市,為香港NO.1科技券商*,每兩個成年人,就有一個用富途^。 2. 報價行情:提供港股LV1實時報價、美股LV2 60檔實時行情。 3. 投資種類齊全:港股、美股、A股、日股、新加坡股、期權、期貨、ETF、債券、基金、槓桿式外匯等。 4. 首家5x24美股報價:不受交易時間限制,緊跟股價異動。 【實用投資功能】 特色榜單:提供高股息、熱議榜等,輕鬆篩選優質收息股,熱門升幅股,捕捉住投資機會。 機構持倉:提供巴菲特等明星大行持倉倉位、持倉歷史走勢等,追蹤機構動向做投資。 市場資訊:7x24小時實時更新市場資訊,把握投資最新消息,市場反應快人一步! 走勢預測:AI預測個股未來走勢,提前把握升降趨勢,投資決策更容易。 畫線工具:45+易用畫線工具,根據行情走勢中畫出k線型態,更好預測未來價位走勢。 產業鏈:熱門行業彈起時,提早找出其上下游的潛力股,早著先機。 牛牛AI:精準解讀市場重點,全方位洞察關鍵機會,助你把握投資良機! 【專業分析工具】 資金分佈:掌握流入或流出資金訂單量,從而推斷市場上的資金動向、明確當日好淡強勢程度。 賣空數據:即時了解股票賣空異動情況、賣空數量,了解潛藏風險或機會。 籌碼分布:一Click睇清壓力位、支撐位、平均價位,分析持倉成本,助你作出投資決策。 大行評級:透過分析師預測的目標價判斷現時入市是否水位過高或賣出獲利的時機。 財務解讀:經營數據、財務指標、財務預測、公司估值等歷史表現,分析公司投資價值。 期權分析:提供波動率分析、期權損益圖、期權行權概率等全面的期權數據,便於投資者精準決策。 【3100萬+用戶的投資者社區】 實盤交流:最大的實盤交流社區,分享投資心得及經驗。 熱度話題:覆蓋市場熱點、財報解析、交易經驗等話題,提供多維投資視角。 權威進駐:1000+企業、機構、財經KOL進駐。800+企業管理層管直接發布第一手消息,避免信息不一致。 與管理層互動:定期舉行線下活動,與行業專家及管理層面對面接觸交流,掌握最新行業走勢及資訊。 【專業投資課堂,優質客戶服務】 投資課程:多種專業投資課程,供用戶輕鬆上手。 客戶服務:交易日24小時真人線上服務,提供線上查詢投資服務。 用戶反饋:關注用戶使用體驗,開放用戶提供反饋,及時升級產品。 一世免佣優惠受開戶條款及細則約束。 投資涉及風險,需小心謹慎! *全港最大科技券商是指富途作為全線上服務的證券商,其證券成交量、客戶託管資產量、APP下載量及活躍用戶數的統計數據均是2024年全港排名最高。 「每兩個成年人,就有一個用富途」是指富途牛牛香港註冊用戶數約佔香港成年人口二分之一。富途香港用戶數據來自2024 Q4富途業績,而香港成年人口數據摘自香港政府統計處2024年年底人口統計數據。 【訂閱說明】 1)訂閱服務 港股LV2實時行情 港股期權期貨LV2行情 LV2+期權期貨LV2行情 港股高級全盤行情 NASDAQ TotalView NYSE OpenBook 全美綜合報價 美股期權實時行情 美股期權深度行情 新加坡期貨LV1即時行情 新加坡期貨LV2高級行情 新加坡股票LV1即時行情 新加坡股票LV2高級行情 2)訂閱週期:1個月、3個月、1年 3)訂閱是自動更新和扣費的,取消訂閱至少在本週期結束前24小時操作,您可以前往App Store訂閱設置中取消您的訂閱,取消後您的訂閱將在當前賬單週期結束時停止 4)帳戶在本週期結束之前的24小時內收取續期費用,請確認續期費用 5)隱私政策: https://www.futunn.com/about/disclaimer?lang=zh-hk 6)服務條款: https://www.futunn.com/about/services?lang=zh-hk

Screenshots

BOCHK 中銀香港4 screens
富途牛牛4 screens

Verdict

The call

The clearest difference is review sentiment: 富途牛牛 at 75% against BOCHK 中銀香港's 35%. 富途牛牛 also leads on update cadence (weekly vs every 3 weeks). BOCHK 中銀香港's advantage is in-app purchases (none vs 10) and rating (4.8 vs 4.5). On price, ads, device support and iOS requirement 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. 富途牛牛 sells 10 in-app purchases, starting at $0.99 per month. BOCHK 中銀香港 asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

BOCHK 中銀香港 holds the better App Store score, 4.8 against 4.5. That said, the two scores are not equally well evidenced: BOCHK 中銀香港 has 7.3K ratings behind it against 167, so its average is the more settled of the two. Written reviews complicate that: 35% of BOCHK 中銀香港's written reviews are positive against 75% of 富途牛牛's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

BOCHK 中銀香港 ships an update every 3 weeks, 富途牛牛 weekly. The most recent releases landed on November 3, 2026 and November 5, 2026 respectively.

Scorecard6 real differences · 4 level
BOCHK 中銀香港 versus 富途牛牛: the parameters behind the verdict, then further details
ParameterBOCHK 中銀香港富途牛牛
PriceFreeFree
Rating4.8 (7.3K ratings) — better4.5 (167 ratings)
Positive reviews35.3% of reviews75.0% of reviews — better
Number of ratings7.3K — better167
Update frequencyEvery 3 weeksWeekly — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS14.0 — better15.5
Further details — not scored
Size200 MB831 MB
Age rating4+4+
DeveloperBank of China (Hong Kong) LimitedShenzhen Futu Network Technology Company Limited

Customer experience

BOCHK 中銀香港

All ratings7,204 ratings
Positive95.5%
Neutral1.2%
Negative3.2%
Written reviews238 reviews
Positive35.3%
Neutral5.9%
Negative58.8%

富途牛牛

All ratings163 ratings
Positive87.7%
Neutral3.7%
Negative8.6%
Written reviews24 reviews
Positive75.0%
Neutral0.0%
Negative25.0%

Bugs and requests

BOCHK 中銀香港

Reported bugs

3 issues
  • Unable to login consistently
  • ID card scanning not working properly
  • App crashing on launch

Requested features

3 requests
  • Add auto-focus for ID card scanning
  • Improve location detection for account opening
  • Provide better customer support

富途牛牛

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

BOCHK 中銀香港

No in-app purchases

10 purchases

富途牛牛

Subscriptions7
  • LV2 Advanced Quotes$0.991 Month
  • OPRA Option Real-time Quotes$2.491 Month
  • 美股期权深度行情包月$3.491 Month
Show 4 more
  • National LV1$6.491 Month
  • US Options Real-time (API)$7.491 Month
  • 美股期权深度行情包季$9.993 Months
  • 美股期权实时行情包年$31.991 Year
One-time3
  • US Options Month Card$2.99
  • National Quotation Month Card$6.99
  • Premium Data$24.99

Questions

Is BOCHK 中銀香港 free?
BOCHK 中銀香港 is free to download, with no in-app purchases.
Is 富途牛牛 free?
富途牛牛 is free to download, with in-app purchases available.
Which has better reviews, BOCHK 中銀香港 or 富途牛牛?
BOCHK 中銀香港 is rated higher. BOCHK 中銀香港 averages 4.8 out of 5 from 7.3K ratings, while 富途牛牛 averages 4.5 from 167 ratings.
Do BOCHK 中銀香港 or 富途牛牛 have ads?
Neither BOCHK 中銀香港 nor 富途牛牛 shows ads.
Which is updated more often, BOCHK 中銀香港 or 富途牛牛?
BOCHK 中銀香港 ships an update every 3 weeks, and 富途牛牛 weekly. Most recently, BOCHK 中銀香港 was updated on November 3, 2026 and 富途牛牛 on November 5, 2026.

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