Comparison

BOC SmartPay vs ComBank Digital

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

Head to head
About

BOC SmartPay

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
Read full description

SmartPay is a digital lifestyle service platform in Sri Lanka that helps you to manage your finances, digitally. The App facilitates Peer-to-Peer fund transfers between any Sri Lankan banks using an Account number or SmartPay fund transfer QR. You can pay to a wide range of billers, Scan any LankaQR at any Merchant location and receive Lanka QR or China Union Pay QR Merchant Payments rapidly. With SmartPay, now you’re free to, -Add any Bank Current or Savings account in Sri Lanka as a payment instrument. -Complete any Utility bill payment, in a matter of seconds. -Fund transfers from any local bank to another bank in real-time. -Scan and Pay at over 100,000 LANKAQR-certified merchant outlets islandwide with your mobile and without cash in hand. -Scan and Pay to any LANKAQR Code printed on a utility bill or a merchant invoice -Settle BOC Credit Cards quickly, avoiding additional fees or charges. -Inquire about balances of your BOC Savings or Current accounts in real time -View a mini statement of your registered Bank of Ceylon Accounts -Keep track of your day-to-day SmartPay transactions and get a sharable E-Receipt for successful transactions. -Receive exciting cash-backs, discounts, and exclusive offers when you pay -Be a LANKAQR and China UnionPay International certified merchant receiving accurate, traceable, and secure digital payments And now you are free to go wherever you wish, simply cashless! Download, use, feedback, and keep in touch with SmartPay for many more groundbreaking features to come!

About

ComBank Digital

Manage your finances effortlessly with a secure and user-friendly mobile banking application. Open accounts instantly, track spending, set savings goals, and receive real-time notifications for all account activity. Access banking services, locate ATMs, and stay updated on offers.

Highlights
  • Secure login with fingerprint
  • View payment card details and limits
  • Report lost/stolen cards
  • Open accounts instantly
  • Set savings goals with Spaces
  • Real-time account notifications
  • Bill payments and fund management
Features
Read full description

Banking with Combank Digital is fast, simple, and secure. Open an account within few seconds to experience banking designed to fit your lifestyle. As well as updating the design and adding new functionality, we’ve worked hard to streamline the app and make it easy to use. We’ll continue improving the app and gradually adding new features. Feel free to leave a comment and tell us what you’d like to see! Key Features: Log in securely with or without your Secure Key. To log in quickly, you can now use Fingerprint on eligible devices. View payment card information, such as withdrawal and spending limits. You can also report your lost or stolen card directly from the app. Open an account within few seconds directly from your phone. No long lines, no paperwork, no fuss. Achieve your short and long-term financial goals with Spaces. Set savings targets and transfer money with a single swipe. Receive instant notifications on all account activity so you know what’s happening with your account in real-time. Balance Inquiry, View account history Pay your bills, Manage your funds, Open other account, FD account creation and other main financial services. Locating our service points and ATM Information on interest rates / currency details of our products Our latest promotional and offers Who we are, Commercial Bank is the largest private bank in Sri Lanka, and the only Sri Lankan bank to be ranked among the world’s top 1000 banks for many successive years. The Bank operates a network of 250+ computerlinked service points and the country’s single largest ATM network of 600+ terminals. The Bank has been adjudged ‘Best Bank in Sri Lanka’ for 15 consecutive years by ‘Global Finance’ Magazine and has won multiple awards as the country’s best bank from ‘The Banker,’ ‘FinanceAsia,’ ‘Euromoney’ and ‘Trade Finance’ magazines.

Screenshots

BOC SmartPay4 screens
ComBank Digital4 screens

Verdict

The call

The clearest difference is review sentiment: BOC SmartPay at 67% against ComBank Digital's 19%. BOC SmartPay also leads on rating (3.5 vs 3.3). ComBank Digital's advantage is update cadence (monthly vs every 3 months) and ratings volume (68 vs 20). On price, ads, in-app purchases and monetization model 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

BOC SmartPay holds the better App Store score, 3.5 against 3.3. Both are backed by a comparable volume of ratings — 20 and 68 respectively. Written reviews point the same way: 67% of BOC SmartPay's written reviews are positive against 19% of ComBank Digital's.

UpkeepUpdate frequency

BOC SmartPay ships an update every 3 months, ComBank Digital monthly. The most recent releases landed on August 17, 2026 and September 17, 2026 respectively.

Scorecard4 real differences · 6 level
BOC SmartPay versus ComBank Digital: the parameters behind the verdict, then further details
ParameterBOC SmartPayComBank Digital
PriceFreeFree
Rating3.5 (20 ratings) — better3.3 (68 ratings)
Positive reviews66.7% of reviews — better19.4% of reviews
Number of ratings2068 — better
Update frequencyEvery 3 monthsMonthly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPadiPhone, iPad
Requires iOS16.616.0 — better
Further details — not scored
Size46 MB120 MB
Age rating4+17+
DeveloperBank Of CeylonCommercial Bank of Ceylon PLC

Customer experience

BOC SmartPay

All ratings20 ratings
Positive55.0%
Neutral15.0%
Negative30.0%
Written reviews6 reviews
Positive66.7%
Neutral0.0%
Negative33.3%

ComBank Digital

All ratings68 ratings
Positive55.9%
Neutral4.4%
Negative39.7%
Written reviews62 reviews
Positive19.4%
Neutral3.2%
Negative77.4%

Bugs and requests

BOC SmartPay

Not enough reviews yet to summarise bugs or requests.

ComBank Digital

Reported bugs

17 issues
  • App gets locked time to time
  • Login flow is a mess
  • Reset login feature is useless
  • Face ID, passcodes doesn't work
  • Unable to login after 2FA
Show 12 more
  • App isn’t letting me logged in
  • App is glitchy
  • OTP not received
  • App does not load on iOS
  • App tries to load then prompts for update (which is already done)
  • iPhone Face ID errors out with 'security error'
  • OTP problems
  • App automatically exits on iPhone 5S
  • Communication failed, network connection lost (even with good internet)
  • Forcefully logged out saying already logged in
  • Bug alert
  • App needs improvements from scratch

Requested features

19 requests
  • Add Apple Pay
  • Modernize UI
  • Integrate biometric security features
  • Improve transaction history display
  • Clarify beneficiaries tab
Show 14 more
  • Enable Face ID/biometrics for login
  • Make login easier (no username/password every time)
  • Allow saving bank names/branches for transfers
  • Add option to send messages/emails
  • Improve user experience for non-tech savvy users
  • Add prominent close button for demo mode
  • Educate branch staff on new apps/features
  • Allow linking of multiple accounts
  • Enable money transfers to customizable goals
  • Add option to save passwords in iOS keychain
  • Reactivate old web version
  • Allow deletion/amendment of saved payees
  • Provide transaction slips/PDFs
  • Improve widget functionality

In-app purchases

None

BOC SmartPay

No in-app purchases

None

ComBank Digital

No in-app purchases

Questions

Is BOC SmartPay free?
BOC SmartPay is free to download, with no in-app purchases.
Is ComBank Digital free?
ComBank Digital is free to download, with no in-app purchases.
Which has better reviews, BOC SmartPay or ComBank Digital?
BOC SmartPay is rated higher. BOC SmartPay averages 3.5 out of 5 from 20 ratings, while ComBank Digital averages 3.3 from 68 ratings.
Do BOC SmartPay or ComBank Digital have ads?
Neither BOC SmartPay nor ComBank Digital shows ads.
Which is updated more often, BOC SmartPay or ComBank Digital?
BOC SmartPay ships an update every 3 months, and ComBank Digital monthly. Most recently, BOC SmartPay was updated on August 17, 2026 and ComBank Digital on September 17, 2026.

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