# BOC  SmartPay vs ComBank Digital

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.

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 3.3. 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.

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.

## The numbers

| Metric | BOC  SmartPay | ComBank Digital |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.5 (20 ratings)](https://appshunter.io/ios/app/boc-smartpay/id1452130475/reviews)** | [3.3 (68 ratings)](https://appshunter.io/ios/app/combank-digital/id1479196703/reviews) |
| Number of ratings | 20 | **68** |
| Positive reviews | **66.7% of reviews** | 19.4% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Monthly** |
| Monetization | Free | Free |
| Size | 46 MB | 120 MB |
| Requires iOS | 16.6 | **16.0** |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 17+ |
| Developer | [Bank Of Ceylon](https://appshunter.io/developer/1322257298) | [Commercial Bank of Ceylon PLC](https://appshunter.io/developer/1343626219) |

## 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


### ComBank Digital

[App page](https://appshunter.io/ios/app/combank-digital/id1479196703)

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:** Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 User friendly (mentioned by a few users)
- ✨ Recent improvements noted
- ✅ Convenient (mentioned by a few users)
- 🌟 Excellent app (mentioned by a few users)
- 🚀 Amazing performance (mentioned by a few users)

**What reviewers complain about**

- ❌ Worst mobile banking app
- ❌ Terrible app experience
- ❌ Passcodes not working
- ❌ Unable to login
- ❌ Simply shit app

**Reported bugs**

- 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

**Requested features**

- Add Apple Pay
- Modernize UI
- Integrate biometric security features
- Improve transaction history display
- Clarify beneficiaries tab


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