# BOC  SmartPay vs LB CIM

The clearest difference is rating: LB CIM at 4.4 against BOC  SmartPay's 3.5. LB CIM also leads on update cadence (monthly vs every 3 months) and ratings volume (61 vs 20). BOC  SmartPay's advantage is review sentiment (67% vs 50%). On price, ads, in-app purchases and monetization model there is nothing between them.

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

LB CIM holds the better App Store score, 4.4 against 3.5. Both are backed by a comparable volume of ratings — 20 and 61 respectively. Written reviews complicate that: 67% of BOC  SmartPay's written reviews are positive against 50% of LB CIM's, so the app with the better star average is not the one people write more warmly about.

BOC  SmartPay ships an update every 3 months, LB CIM monthly. The most recent releases landed on October 21, 2026 and October 29, 2026 respectively.

## The numbers

| Metric | BOC  SmartPay | LB CIM |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.5 (20 ratings)](https://appshunter.io/ios/app/boc-smartpay/id1452130475/reviews) | **[4.4 (61 ratings)](https://appshunter.io/ios/app/lb-cim/id1459216386/reviews)** |
| Number of ratings | 20 | **61** |
| Positive reviews | **66.7% of reviews** | 50.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Monthly** |
| Monetization | Free | Free |
| Size | 46 MB | 88 MB |
| Requires iOS | 16.6 | **15.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 12+ |
| Developer | [Bank Of Ceylon](https://appshunter.io/developer/1322257298) | [LB FINANCE PLC](https://appshunter.io/developer/1459216385) |

## What reviewers say

### 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


### LB CIM

[App page](https://appshunter.io/ios/app/lb-cim/id1459216386)

Manage your finances digitally with this comprehensive app. Open accounts, apply for loans, track payments, and transfer funds seamlessly. It offers a secure, AI-powered platform for all your financial needs.

**Highlights:** Digital onboarding, Fixed deposits and savings accounts, Instant personal and business loans, Loan and deposit tracking, Fund transfers, Bill payments, AI-powered lending

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is BOC  SmartPay free?

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

### Is LB CIM free?

LB CIM is free to download, with no in-app purchases.

### Which has better reviews, BOC  SmartPay or LB CIM?

LB CIM is rated higher. BOC  SmartPay averages 3.5 out of 5 from 20 ratings, while LB CIM averages 4.4 from 61 ratings.

### Do BOC  SmartPay or LB CIM have ads?

Neither BOC  SmartPay nor LB CIM shows ads.

### Which is updated more often, BOC  SmartPay or LB CIM?

BOC  SmartPay ships an update every 3 months, and LB CIM monthly. Most recently, BOC  SmartPay was updated on October 21, 2026 and LB CIM on October 29, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*