# BOC  SmartPay vs JRF Wallet

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.

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 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.

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.

## The numbers

| Metric | BOC  SmartPay | JRF Wallet |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.5 (20 ratings)](https://appshunter.io/ios/app/boc-smartpay/id1452130475/reviews)** | [1.0 (1 ratings)](https://appshunter.io/ios/app/jrf-wallet/id1479903191/reviews) |
| Number of ratings | **20** | 1 |
| Positive reviews | **66.7% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Weekly** |
| Monetization | Free | Free |
| Size | 46 MB | 71 MB |
| Requires iOS | 16.6 | **15.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Bank Of Ceylon](https://appshunter.io/developer/1322257298) | [JAPAN REMIT FINANCE](https://appshunter.io/developer/1297112584) |

## 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


### JRF Wallet

[App page](https://appshunter.io/ios/app/jrf-wallet/id1479903191)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked 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.

---

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