# 财智快账 vs BOCHK 中銀香港

The clearest difference is update cadence: BOCHK 中銀香港 at every 3 weeks against 财智快账's every 4 months. BOCHK 中銀香港 also leads on ratings volume (7.1K vs 2) and rating (4.8 vs 4.5). On price, review sentiment, 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.

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 7.1K ratings behind it against 2, so its average is the more settled of the two. Written reviews complicate that: 40% of 财智快账's written reviews are positive against 35% of BOCHK 中銀香港's, so the app with the better star average is not the one people write more warmly about.

财智快账 ships an update every 4 months, BOCHK 中銀香港 every 3 weeks. The most recent releases landed on October 1, 2026 and October 17, 2026 respectively.

## The numbers

| Metric | 财智快账 | BOCHK 中銀香港 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.5 (2 ratings)](https://appshunter.io/ios/app/id487590016/reviews) | **[4.8 (7.1K ratings)](https://appshunter.io/ios/app/bochk/id1534534188/reviews)** |
| Number of ratings | 2 | **7.1K** |
| Positive reviews | **40.0% of reviews** | 35.3% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 4 months | **Every 3 weeks** |
| Monetization | — | Free |
| Size | 10 MB | 200 MB |
| Requires iOS | 14.0 | 14.0 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [成都财智软件有限公司](https://appshunter.io/developer/487590019) | [Bank of China (Hong Kong) Limited](https://appshunter.io/developer/385731636) |

## What reviewers say

### 财智快账

[App page](https://appshunter.io/ios/app/id487590016)

**Features:** macOS Compatibility

**In-app purchases:** none


### BOCHK 中銀香港

[App page](https://appshunter.io/ios/app/bochk/id1534534188)

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

**In-app purchases:** none

**What reviewers like**

- 👍 Convenient and fast
- 🚀 Smooth user experience
- 📱 Supports Face ID login

**What reviewers complain about**

- 🐛 Frequent login issues
- 🐛 Scanning ID card problems
- 🐛 Crashes and freezes
- ⏱️ Slow performance
- 🔄 Constant updates

**Reported bugs**

- Unable to login consistently
- ID card scanning not working properly
- App crashing on launch

**Requested features**

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


## Frequently asked questions

### Is 财智快账 free?

财智快账 is free to download, with no in-app purchases.

### Is BOCHK 中銀香港 free?

BOCHK 中銀香港 is free to download, with no in-app purchases.

### Which has better reviews, 财智快账 or BOCHK 中銀香港?

BOCHK 中銀香港 is rated higher. 财智快账 averages 4.5 out of 5 from 2 ratings, while BOCHK 中銀香港 averages 4.8 from 7.1K ratings.

### Do 财智快账 or BOCHK 中銀香港 have ads?

Neither 财智快账 nor BOCHK 中銀香港 shows ads.

### Which is updated more often, 财智快账 or BOCHK 中銀香港?

财智快账 ships an update every 4 months, and BOCHK 中銀香港 every 3 weeks. Most recently, 财智快账 was updated on October 1, 2026 and BOCHK 中銀香港 on October 17, 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.*