Bank of China is one of the most international and diversified banks in China, offering a comprehensive range of financial services both domestically and in over sixty countries worldwide. The company primarily operates in commercial banking, providing corporate finance, personal finance, and financial market services. Additionally, it manages investment banking, insurance, direct investments, investment management, fund management, and aircraft leasing through its subsidiaries. The bank caters to a diverse customer base, including individual clients, small to medium-sized enterprises, and large corporations. Its services include online banking, personal loans, investment products, wealth management, and trade finance, designed to meet the financial needs of its clients in a globalized economy. Through its extensive network and financial expertise, Bank of China aims to support its customers in achieving their financial goals.
Reviewers frequently report negative experiences with Bank of China, citing customer pain points more often than praise. Common complaints include customer, account, know, money.
Overall sentiment is predominantly negative based on 7 reviews and an average rating of 1.9 stars.
Summary generated with AI from recent reviews
Each source counts by its number of reviews. Only reviews written by people are scored.
| Source | Rating | Reviews | Weight | 6-mo | Fake risk |
|---|---|---|---|---|---|
Trustpilot Low volume · weighted down | 1.9 | 7 | 100% | — | ● Not enough data |
Monthly average rating from reviews written by people · latest review Jun 2025.
| Month | Average | Reviews |
|---|---|---|
| Jul 24 | 1.0 | 1 |
| Aug 24 | — | 0 |
| Sep 24 | — | 0 |
| Oct 24 | — | 0 |
| Nov 24 | — | 0 |
| Dec 24 | — | 0 |
| Jan 25 | — | 0 |
| Feb 25 | — | 0 |
| Mar 25 | — | 0 |
| Apr 25 | — | 0 |
| May 25 | — | 0 |
| Jun 25 | 1.0 | 1 |
Share of positive (4–5★) and negative (1–2★) reviews mentioning each topic · based on the 7 most recent reviews.
“Demanded information between a customer and a third party company that I have no relation with, under threat of freez...”
Same method for every company: overall rating, legitimacy checks, the average rating of reviews mentioning each area and the 6-month trend · Finance & Insurance.
| Company | Overall | Legit | Trend | Reviews |
|---|---|---|---|---|
| 1.9 out of 5 (poor) | 33 out of 100 | — | 7 | |
| 4.2 out of 5 (good) | 100 out of 100 | — | 1,200 | |
| 4.7 out of 5 (good) | 100 out of 100 | — | 1,060 | |
| 4.8 out of 5 (good) | 100 out of 100 | — | 1,060 | |
| 4.8 out of 5 (good) | 100 out of 100 | — | 1,060 |
Bottom line: Bank of China is #5 of 5 on overall rating in this group.
7 reviews of Bank of China. Filter by what matters to you.
Over a year ago
I am now at xaobie branch in Guangzhou only one counter serving all the customers ...you will waste your day waiting I want to cry I am here since 2 hours and still waiting
Over a year ago
The response from BOC is incrediblly slow. I cannot believe they need to take more than 2 weeks to reply a simple query.
Quick answers to the questions people ask most.
Yes, Bank of China is a legitimate financial institution with a significant number of reviews reflecting customer experiences. While the bank has a mix of ratings, many customers find it trustworthy, highlighting its reliability in various financial services.
No, Bank of China is not a scam. Verified reviews indicate that while some customers have faced issues with customer service and response times, the bank operates legitimately and offers a range of financial products.
Bank of China provides a wide range of financial services including personal banking, corporate banking, investment services, and international trade services. Customers have noted both positive and negative experiences with these services.
Bank of China accepts various payment methods including bank transfers, credit and debit cards, and mobile payments. However, some customers have expressed frustration with the app's verification methods.
Customers can reach Bank of China's customer support through their official website, by phone, or by visiting local branches. However, reviews indicate that response times may be slower than expected.
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I wish there was a zero star option. Demanded information between a customer and a third party company that I have no relation with, under threat of freezing my account. Obviously I cannot get those documents, now my account is frozen, and I can only get canned and polite but vapid replies with months of delays from their so-called "Customer Care Manager" saying that they stand by their decision, without providing any reasons. I don't even know if I can get my money back. Completely irresponsible and borderline scammy piece of trash of a bank. I feel good when I see their ATMs vandalized.
I am now at xaobie branch in Guangzhou only one counter serving all the customers ...you will waste your day waiting I want to cry I am here since 2 hours and still waiting
I had just come across the worse customer service in my life, at the branch of BOC Leighton Road in HK! The person at the first desk nearer to the entrance, certainly had some attitudes, utterly unprofessional, shameful behaviour. I would describe as a ‘gangster night club attitude’ towards the customers. I thought I shared my experience with the public.
The response from BOC is incrediblly slow. I cannot believe they need to take more than 2 weeks to reply a simple query.
Bank of China is a good and very trustworthy bank and is trusted by its customers and investors.
BOCHK app and customer support is one of the weirdest I’ve seen. Constantly change the verification method from SMS to face to ID card without noticing you,while the recognition system doesn’t recognize shxt at all.That means you don’t know when you can’t log into your account t and transfer money. When I complained to their cs that the face recognition doesn’t work for me and I can’t transfer money now.They replied and I quote:”it’s for your own good so you better deal with it”. You never know you’d be lectured by a bank these days.
中国银行在海外还是不错的，其他不敢说，中行的信用卡可是基本到哪里都可以刷，畅通无阻。
Bank of China is one of the most international and diversified banks in China, offering a comprehensive range of financial services both domestically and in over sixty countries worldwide. The company primarily operates in commercial banking, providing corporate finance, personal finance, and financial market services. Additionally, it manages investment banking, insurance, direct investments, investment management, fund management, and aircraft leasing through its subsidiaries. The bank caters to a diverse customer base, including individual clients, small to medium-sized enterprises, and large corporations. Its services include online banking, personal loans, investment products, wealth management, and trade finance, designed to meet the financial needs of its clients in a globalized economy. Through its extensive network and financial expertise, Bank of China aims to support its customers in achieving their financial goals.
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