# FLASH Digital Banking vs BOC  SmartPay

The clearest difference is review sentiment: BOC  SmartPay at 67% against FLASH Digital Banking's 17%. BOC  SmartPay also leads on rating (3.5 vs 3.1). On price, ratings volume, update cadence and ads there is nothing between them.

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

BOC  SmartPay holds the better App Store score, 3.5 against 3.1. Both are backed by a comparable volume of ratings — 19 and 20 respectively. Written reviews point the same way: 17% of FLASH Digital Banking's written reviews are positive against 67% of BOC  SmartPay's.

FLASH Digital Banking ships an update every 2 months, BOC  SmartPay every 3 months. The most recent releases landed on September 21, 2026 and August 17, 2026 respectively.

## The numbers

| Metric | FLASH Digital Banking | BOC  SmartPay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.1 (19 ratings)](https://appshunter.io/ios/app/flash-digital-banking/id1343626220/reviews) | **[3.5 (20 ratings)](https://appshunter.io/ios/app/boc-smartpay/id1452130475/reviews)** |
| Number of ratings | 19 | **20** |
| Positive reviews | 16.7% of reviews | **66.7% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 months** | Every 3 months |
| Monetization | Free | Free |
| Size | 96 MB | 46 MB |
| Requires iOS | **15.6** | 16.6 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 17+ | 4+ |
| Developer | [Commercial Bank of Ceylon PLC](https://appshunter.io/developer/1343626219) | [Bank Of Ceylon](https://appshunter.io/developer/1322257298) |

## What reviewers say

### FLASH Digital Banking

[App page](https://appshunter.io/ios/app/flash-digital-banking/id1343626220)

Manage your finances conveniently and securely with a digital bank account. Perform online banking, set budgets, automate savings, and invest to build wealth from your mobile device.

**Highlights:** Mobile bank account signup, Online banking functions, Budget setting and management, Automated savings plans, Investment options

**In-app purchases:** none


### BOC  SmartPay

[App page](https://appshunter.io/ios/app/boc-smartpay/id1452130475)

Manage your finances digitally with this Sri Lankan platform. Easily transfer funds between banks, pay bills, and make payments at merchants using QR codes. Enjoy cashless transactions and track your spending.

**Highlights:** Peer-to-peer fund transfers, Bill payments, QR code payments, Add any Sri Lankan bank account, Real-time account balance inquiry, Transaction history and e-receipts, Cashback and discount offers

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is FLASH Digital Banking free?

FLASH Digital Banking is free to download, with no in-app purchases.

### Is BOC  SmartPay free?

BOC  SmartPay is free to download, with no in-app purchases.

### Which has better reviews, FLASH Digital Banking or BOC  SmartPay?

BOC  SmartPay is rated higher. FLASH Digital Banking averages 3.1 out of 5 from 19 ratings, while BOC  SmartPay averages 3.5 from 20 ratings.

### Do FLASH Digital Banking or BOC  SmartPay have ads?

Neither FLASH Digital Banking nor BOC  SmartPay shows ads.

### Which is updated more often, FLASH Digital Banking or BOC  SmartPay?

FLASH Digital Banking ships an update every 2 months, and BOC  SmartPay every 3 months. Most recently, FLASH Digital Banking was updated on September 21, 2026 and BOC  SmartPay on August 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.*