Comparison

BOCHK 中銀香港 vs Z有钱

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

Z有钱

This app offers a streamlined approach to personal finance management. It simplifies tracking expenses and income through voice or photo input, provides insightful financial reports, and helps users manage budgets effectively.

Highlights
  • Voice and photo expense tracking
  • Budget management
  • Financial reporting with charts
  • Multi-ledger management
  • Income and expense flow visualization
Features
Read full description

Z有钱是一款极简顺手的智能记账和财务管理APP。支持语音、拍照一键快捷记账;帮助用户解决查账、记账、预算管理等财务问题;结合全景统计图表与多账本个性化管理,清晰展示收支流向。

Screenshots

BOCHK 中銀香港4 screens
Z有钱4 screens

Verdict

The call

The clearest difference is review sentiment: Z有钱 at 95% against BOCHK 中銀香港's 35%. 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 3 weeks. The most recent releases landed on October 29, 2026 and October 28, 2026 respectively.

Scorecard1 real difference · 9 level
BOCHK 中銀香港 versus Z有钱: the parameters behind the verdict, then further details
ParameterBOCHK 中銀香港Z有钱
PriceFreeFree
Rating4.8 (7.2K ratings) — better—
Positive reviews35.3% of reviews95.0% of reviews — better
Number of ratings7.2K — better—
Update frequencyEvery 3 weeksEvery 3 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS14.0 — better15.5
Further details — not scored
Size200 MB158 MB
Age rating4+4+
DeveloperBank of China (Hong Kong) LimitedChongqing Duxiaoman Information Technology Co.Ltd

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%

Z有钱

Written reviews40 reviews
Positive95.0%
Neutral0.0%
Negative5.0%

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

Z有钱

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

BOCHK 中銀香港

No in-app purchases

None

Z有钱

No in-app purchases

Questions

Is BOCHK 中銀香港 free?
BOCHK 中銀香港 is free to download, with no in-app purchases.
Is Z有钱 free?
Z有钱 is free to download, with no in-app purchases.
Do BOCHK 中銀香港 or Z有钱 have ads?
Neither BOCHK 中銀香港 nor Z有钱 shows ads.
Which is updated more often, BOCHK 中銀香港 or Z有钱?
BOCHK 中銀香港 ships an update every 3 weeks, and Z有钱 every 3 weeks. Most recently, BOCHK 中銀香港 was updated on October 29, 2026 and Z有钱 on October 28, 2026.

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