Comparison

BOC SmartPay vs JRF Wallet

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

JRF Wallet

This app simplifies international money transfers and business remittances from Japan. It allows for easy client registration, beneficiary management, and real-time transaction tracking. Access remittance services to over 81 countries worldwide, 24/7.

Highlights
  • Digital client registration without branch visits
  • Facial recognition for automated confirmation
  • Real-time FX rates and transaction status
  • Add beneficiaries anytime, anywhere
  • Cash funding via JP Post ATMs
  • Supports remittances to 81+ countries
Features
Read full description

JRF WALLET – The newest product service offered by JRF – Japan Remit Finance Co., Ltd. JRF has revolutionize the world of remittance services and brought the easiest way of bridging businesses and personal remittances worldwide. The first of its kind that allows new client registration without personal appearance to any of JRF branches. Direct submission and upload of valid government ID’s makes it easier to transact anytime. Further, the sophisticated and law-abiding facial recognition of client upon registration allows automated final confirmation that client is legally binding the JRF terms and conditions. Daily FX Rates are constantly updated for your convenience. Adding beneficiary? Worry no more! Add your beneficiary information anytime anywhere thru the App. This also features the status of transactions, checking of load balance, auto compute of daily rates and charges. During busy schedules you can easily manage creating your personal remittance transactions. JRF Wallet can be downloaded through app store and features 24/7 accessibility to over 81 countries worldwide for all your remittance needs from Japan. JRF Wallet uses JRF Red card for cash funding on the wallet thru over 25,000 JP Post ATM nationwide. JRF Wallet also recognizes your amount transferred from overseas countries to Japan.

Screenshots

BOC SmartPay4 screens
JRF Wallet4 screens

Verdict

The call

The clearest difference is review sentiment: BOC SmartPay at 67% against JRF Wallet's 0%. BOC SmartPay also leads on rating (3.5 vs 1.0) and ratings volume (20 vs 1). JRF Wallet's advantage is update cadence (weekly vs every 3 months). 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 1.0. That said, the two scores are not equally well evidenced: BOC SmartPay has 20 ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 67% of BOC SmartPay's written reviews are positive against 0% of JRF Wallet's.

UpkeepUpdate frequency

BOC SmartPay ships an update every 3 months, JRF Wallet weekly. The most recent releases landed on October 21, 2026 and October 24, 2026 respectively.

Scorecard4 real differences · 6 level
BOC SmartPay versus JRF Wallet: the parameters behind the verdict, then further details
ParameterBOC SmartPayJRF Wallet
PriceFreeFree
Rating3.5 (20 ratings) — better1.0 (1 ratings)
Positive reviews66.7% of reviews — better0.0% of reviews
Number of ratings20 — better1
Update frequencyEvery 3 monthsWeekly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS16.615.0 — better
Further details — not scored
Size46 MB71 MB
Age rating4+4+
DeveloperBank Of CeylonJAPAN REMIT FINANCE

Customer experience

BOC SmartPay

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

JRF Wallet

All ratings1 ratings
Positive0.0%
Neutral0.0%
Negative100.0%
Written reviews1 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

In-app purchases

None

BOC SmartPay

No in-app purchases

None

JRF Wallet

No in-app purchases

Questions

Is BOC SmartPay free?
BOC SmartPay is free to download, with no in-app purchases.
Is JRF Wallet free?
JRF Wallet is free to download, with no in-app purchases.
Which has better reviews, BOC SmartPay or JRF Wallet?
BOC SmartPay is rated higher. BOC SmartPay averages 3.5 out of 5 from 20 ratings, while JRF Wallet averages 1.0 from 1 ratings.
Do BOC SmartPay or JRF Wallet have ads?
Neither BOC SmartPay nor JRF Wallet shows ads.
Which is updated more often, BOC SmartPay or JRF Wallet?
BOC SmartPay ships an update every 3 months, and JRF Wallet weekly. Most recently, BOC SmartPay was updated on October 21, 2026 and JRF Wallet on October 24, 2026.

Other comparisons