Comparison

TRD Smart Pay vs BAM Choice

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

Head to head
About

TRD Smart Pay

This tool allows authorized users to manage state property rentals and payments. It provides access to account and property details, as well as contract information.

Highlights
  • Online payment for rentals and fees
  • Access user account information
  • View property details
  • Review contract information
Features
Read full description

TRD SmartPay is a tool facilitates users who are authorized to lend or use the state properties from The Treasury Department. The tool provides various functions such as online payment for lendtal and others fees. Including the user's account information, property information and contract detail.

About

BAM Choice

This mobile application allows users to manage financial transactions, including checking balances, making payments, and viewing receipts. It also offers online debt restructuring for NPL customers and a marketplace to search and reserve second-hand properties.

Highlights
  • Check outstanding balances
  • Online payments
  • View online receipts
  • Payment due date notifications
  • Online debt restructuring
  • Search and reserve properties
Features
Read full description

BAM Choice เป็น AMC Mobile Application ที่ตอบโจทย์ผู้ใช้บริการทั้งฝั่ง NPL และ NPA ให้ลูกหนี้และลูกค้าสามารถเข้ามาทำธุรกรรมต่างๆ ผ่านโทรศัพท์มือถือได้ด้วยตนเอง ไม่ว่าจะเป็นการตรวจสอบยอดค้างชำระ, ชำระเงินออนไลน์, ดูใบเสร็จออนไลน์ และแจ้งเตือนครบกำหนดชำระ นอกจากนี้แอปพลิเคชันยังมีเมนูประนอมหนี้ออนไลน์ที่จะเพิ่มความสะดวกให้ลูกหนี้ NPL สามารถกำหนดแผนและปรับเปลี่ยนแผนประนอมหนี้ได้บนช่องทางออนไลน์แห่งแรกในประเทศไทย ยิ่งไปกว่านั้น สำหรับลูกค้าที่สนใจซื้ออสังหาริมทรัพย์มือสองของ BAM ยังมีความพิเศษตรงที่มีเมนูค้นหาและจองซื้อทรัพย์ออนไลน์ที่ได้รวบรวมทรัพย์สินรอการขายทำเลดีราคาเด่นของ BAM หลากหลายประเภท เช่น บ้านเดี่ยว, ทาวน์เฮ้าส์, ที่ดินเปล่า ฯลฯ จำนวนมากกว่า 18,000 รายการ BAM Choice, the first fully integrated AMC Mobile Application in Thailand, aims to be a platform that responds to the needs of both NPL and NPA customers. It is designed to enable debtors and customers to conduct various transactions via mobile phones by themselves, whether it be checking outstanding balances, making payments, viewing receipts online, and getting notifications of their payment due date. In addition, the application also has an online debt restructuring menu which will enhance convenience for NPL debtors and allow them to set plans and adjust their plans in one place. This means debt restructuring can be done online for the first time in Thailand. Another special feature is the search and purchase function where online assets with special prices and good locations of more than 18,000 items can be selected from.

Screenshots

TRD Smart Pay4 screens
BAM Choice4 screens

Verdict

The call

The clearest difference is review sentiment: BAM Choice at 67% against TRD Smart Pay's 14%. TRD Smart Pay's advantage is iOS requirement (11.0 vs 18.0). 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

TRD Smart Pay ships an update every 3 weeks, BAM Choice every 2 weeks. The most recent releases landed on October 11, 2026 and October 10, 2026 respectively.

Scorecard2 real differences · 6 level
TRD Smart Pay versus BAM Choice: the parameters behind the verdict, then further details
ParameterTRD Smart PayBAM Choice
PriceFreeFree
Positive reviews14.3% of reviews66.7% of reviews — better
Update frequencyEvery 3 weeksEvery 2 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad
Requires iOS11.0 — better18.0
Further details — not scored
Size22 MB74 MB
Age rating4+4+
DeveloperTreasuryBANGKOK COMMERCIAL ASSET MANAGEMENT PUBLIC COMPANY LIMITED

Customer experience

TRD Smart Pay

Written reviews7 reviews
Positive14.3%
Neutral0.0%
Negative85.7%

BAM Choice

Written reviews15 reviews
Positive66.7%
Neutral0.0%
Negative33.3%

In-app purchases

None

TRD Smart Pay

No in-app purchases

None

BAM Choice

No in-app purchases

Questions

Is TRD Smart Pay free?
TRD Smart Pay is free to download, with no in-app purchases.
Is BAM Choice free?
BAM Choice is free to download, with no in-app purchases.
Do TRD Smart Pay or BAM Choice have ads?
Neither TRD Smart Pay nor BAM Choice shows ads.
Which is updated more often, TRD Smart Pay or BAM Choice?
TRD Smart Pay ships an update every 3 weeks, and BAM Choice every 2 weeks. Most recently, TRD Smart Pay was updated on October 11, 2026 and BAM Choice on October 10, 2026.

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