Comparison

BOK Digital vs PQFS

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

Head to head
About

BOK Digital

Manage your bank accounts, transfer funds, and pay bills with this secure digital banking application. It offers features like instant balance checks, detailed statements, and seamless payment options for utilities and other banks.

Highlights
  • Effortless registration and login
  • Robust security with Two-Factor Authentication
  • Instant balance and account insights
  • Seamless funds transfer and Raast payments
  • Simplified utility and postpaid bill payments
  • Mobile top-ups and beneficiary management
  • Card management and QR code transactions
Features
Read full description

Embark on a revolutionary banking journey with the Bank of Khyber (BoK - Digital) iOS app – your gateway to seamless financial management. Crafted exclusively for BOK customers, our app redefines convenience and sophistication, bringing banking to your fingertips like never before. Unlock the Potential: 1. Effortless Registration: Joining the BOK family is a breeze. Existing customers can swiftly register or sign up, getting them started on their banking voyage in moments. 2. Streamlined Login Experience: Say goodbye to cumbersome login processes. With our app, your first-time login is seamlessly integrated with device registration, ensuring a hassle-free initiation. 3. Robust Security Measures: Your security is paramount. Utilizing Two-Factor Authentication via OTP, we provide peace of mind, safeguarding your transactions and data with industry-leading protocols. 4. Instant Balance Checks: Stay informed with a glance. Effortlessly monitor your account balances anytime, anywhere, putting financial insights at your fingertips. 5. Comprehensive Account Insights: Dive deeper into your finances. Access detailed statements and mini statements with ease, empowering you with unparalleled transparency. 6. Effortless Funds Transfer: Managing your funds has never been simpler. Enjoy hassle-free transfers within BOK accounts, ensuring swift and secure transactions. 7. Seamless Raast Payments: Embrace the future of payments. Our app seamlessly integrates Raast Payments, facilitating instant and efficient transactions for your convenience. 8. Convenient IBFT Services: Bridge the gap effortlessly. Conduct IBFT transfers to other banks seamlessly, expanding your financial reach with just a few taps. 9. Simplified Utility Payments: Bid farewell to bill payment woes. Our UBPS feature streamlines utility bill payments, ensuring a frictionless experience every time. 10. Mobile Top-Ups on the Go: Stay connected effortlessly. Enjoy the convenience of mobile top-ups directly through our app, keeping you connected with loved ones effortlessly. 11. Effortless Beneficiary Management: Manage beneficiaries with ease. Create, review, and update beneficiary information conveniently, putting you in control of your transactions. 12. Hassle-Free Postpaid Bill Settlements: Say goodbye to overdue bills. Our app simplifies postpaid bill payments, ensuring timely settlements without the stress. 13. Limit Management: Take charge of your finances with ease. Manage your transaction limits effortlessly, customizing them to suit your financial needs and preferences. 14. Card Management Empowerment: Your cards, your control. With our card management system, take charge by changing PINs and managing card activation/deactivation seamlessly. 15. QR Code Generation: Seamlessly generate QR codes for instant transactions. Whether for payments or identification, our app puts the power of QR technology in your hands. 16. Payment through QR Code: Experience unparalleled convenience with QR code payments. Simply scan and pay, revolutionizing the way you transact securely and swiftly. 17. Login through Fingerprint: Access your account securely and swiftly with fingerprint authentication, ensuring a seamless login experience every time 18. Manage Multiple Accounts under One Login: Simplify your financial management. Access and manage multiple accounts under a single login, streamlining your banking experience. Unleash the Power of Banking: Experience banking reimagined with the Bank of Khyber iOS app. Designed for the discerning iOS user, our app combines cutting-edge technology with intuitive design, setting new standards for mobile banking excellence. Download now and embark on a journey where convenience meets sophistication. Elevate your banking experience – because you deserve nothing less. For queries and complaints, please contact us at +92-91-111-265-265 or email us at complaints@bok.com.pk

About

PQFS

Manage your financial products, including investments and Shariah-compliant Takaful coverage. Experience digital onboarding and access customized financial solutions anytime, anywhere.

Highlights
  • Manage financial products
  • Shariah-compliant investments
  • Takaful coverage
  • Digital onboarding
  • 24/7 accessibility
  • Customized financial solutions
Features
Read full description

PQFS - Pak Qatar Financial Solutions App – Your go-to solution for seamless financial services. The PQFS App lets you manage your financial products and experience hassle-free digital onboarding and unlock a world of customized financial products at your fingertips. Key Features: 1. Comprehensive Financial Products: Explore our range of financial solutions, from investments to Takaful coverage. Benefit from Shariah-compliant superior returns, setting us apart from traditional banking and conventional insurance. 2. Takaful Coverage: Enjoy the peace of mind with our Takaful coverage (Islamic insurance) integrated into our products. Experience not just financial growth but also the added security of Takaful benefits. 3. Control at Your Fingertips: Take charge of your investment linked Takaful Plans with our user-friendly app. Enjoy 24/7 accessibility, reducing dependency on office hours. Manage withdrawals, investments, and Takaful needs anytime, anywhere. 4. Reduce Limitations: Break free from traditional constraints. Our app liberates you from time and location limitations, providing unparalleled convenience. Why Choose Pak Qatar Financial Solutions App: • Tailored Solutions: Our products are crafted to meet your specific financial needs. • Effortless Accessibility: Access your account whenever and wherever, empowering you with control and flexibility Its a Customer Facilitation App. • Innovation Beyond Banking: We go beyond conventional methods, ensuring Shariah compliance and superior returns. Download the Pak Qatar Financial Solutions app now and embark on a journey of financial empowerment! App Features: Digital Onboarding: Swiftly invest in our Group products, currently introducing the Mahana Bachat & Takaful Flexi Plan with a seamless digital onboarding process. Customer Services: Access our customer services effortlessly for all your queries and assistance. For inquiries, reach us at 021-34311747 via call or WhatsApp, or email us at iftakaful@pakqatar.com.pk.

Screenshots

BOK Digital4 screens
PQFS4 screens

Verdict

The call

The clearest difference is rating: PQFS at 4.0 against BOK Digital's 2.7. PQFS also leads on update cadence (every 2 weeks vs every 2 months). BOK Digital's advantage is iOS requirement (13.0 vs 15.6). On price, ratings volume, 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.

ReceptionRating · Positive reviews · Number of ratings

PQFS holds the better App Store score, 4.0 against 2.7. Both are backed by a comparable volume of ratings — 7 and 5 respectively.

UpkeepUpdate frequency

BOK Digital ships an update every 2 months, PQFS every 2 weeks. The most recent releases landed on October 24, 2026 and October 7, 2026 respectively.

Scorecard3 real differences · 6 level
BOK Digital versus PQFS: the parameters behind the verdict, then further details
ParameterBOK DigitalPQFS
PriceFreeFree
Rating2.7 (7 ratings)4.0 (5 ratings) — better
Number of ratings7 — better5
Update frequencyEvery 2 monthsEvery 2 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS13.0 — better15.6
Further details — not scored
Size94 MB39 MB
Age rating17+17+
DeveloperThe Bank Of KhyberPak-Qatar

Customer experience

BOK Digital

All ratings3 ratings
Positive33.3%
Neutral0.0%
Negative66.7%

PQFS

All ratings5 ratings
Positive80.0%
Neutral0.0%
Negative20.0%

In-app purchases

None

BOK Digital

No in-app purchases

None

PQFS

No in-app purchases

Questions

Is BOK Digital free?
BOK Digital is free to download, with no in-app purchases.
Is PQFS free?
PQFS is free to download, with no in-app purchases.
Which has better reviews, BOK Digital or PQFS?
PQFS is rated higher. BOK Digital averages 2.7 out of 5 from 7 ratings, while PQFS averages 4.0 from 5 ratings.
Do BOK Digital or PQFS have ads?
Neither BOK Digital nor PQFS shows ads.
Which is updated more often, BOK Digital or PQFS?
BOK Digital ships an update every 2 months, and PQFS every 2 weeks. Most recently, BOK Digital was updated on October 24, 2026 and PQFS on October 7, 2026.

Other comparisons