Comparison

BOC SmartPay vs ComBank ePassbook

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 ePassbook

Access your bank account transactions and balances in real-time on your Apple device. View up to 30 days of history, manage multiple accounts with custom labels, and choose to use a password for added security.

Highlights
  • Real-time account balance viewing
  • Online transaction history (last 30 days)
  • Multiple account management
  • Customizable account labels
  • Optional login password
  • Accessible on iPhone and iPad
Features
Read full description

Commercial Bank release the new ePassbook facility which is a mobile application which allows you to download and view your account transactions online on Apple smart phones. The Essentials View your real time account balance and transactions of all your accounts Access at any time from anywhere Check all your transactions for the last 30 days ePassbook will be provided totally free of charge The ePassbook facility provides you the account history of all your accounts in a similar manner of a savings passbook or a current account statement. This application provides an online-real time view of the account transactions. Salient features Allows the real-time tracking of account transactions for the last 30 days. Account balance and the transaction history is updated and displayed online real time. The ePassbook provides multiple account facility which acts as a single repository for all accounts enrolled, with the capability to view each account separately. You can label multiple accounts with preferred names/codes, for easy reference. (eg: Salary /Petty Cash / Savings / Entertainement) Provides flexibility to operate with or without a log-in password. Eligibility If you are an existing personal savings and/ or current account holder with a valid mobile number registered with the Bank, you can obtain this facility. Even if you open a new personal savings and/or current account and has a valid Mobile Number you can request for this facility. Joint Account holders could obtain the e-Passbook facility after submitting the written consent of all parties. You can also access your e passbook via iPhones

Screenshots

BOC SmartPay4 screens
ComBank ePassbook4 screens

Verdict

The call

The clearest difference is review sentiment: BOC SmartPay at 67% against ComBank ePassbook's 0%. ComBank ePassbook's advantage is rating (3.8 vs 3.5) and iOS requirement (13.0 vs 16.6). On price, ratings volume, update cadence and ads 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

ComBank ePassbook holds the better App Store score, 3.8 against 3.5. Both are backed by a comparable volume of ratings — 20 and 9 respectively. Written reviews complicate that: 67% of BOC SmartPay's written reviews are positive against 0% of ComBank ePassbook's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

BOC SmartPay ships an update every 3 months, ComBank ePassbook every 5 months. The most recent releases landed on November 2, 2026 and November 3, 2026 respectively.

Scorecard3 real differences · 7 level
BOC SmartPay versus ComBank ePassbook: the parameters behind the verdict, then further details
ParameterBOC SmartPayComBank ePassbook
PriceFreeFree
Rating3.5 (20 ratings)3.8 (9 ratings) — better
Positive reviews66.7% of reviews — better0.0% of reviews
Number of ratings20 — better9
Update frequencyEvery 3 months — betterEvery 5 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS16.613.0 — better
Further details — not scored
Size46 MB50 MB
Age rating4+4+
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 ePassbook

All ratings9 ratings
Positive66.7%
Neutral11.1%
Negative22.2%
Written reviews2 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

In-app purchases

None

BOC SmartPay

No in-app purchases

None

ComBank ePassbook

No in-app purchases

Questions

Is BOC SmartPay free?
BOC SmartPay is free to download, with no in-app purchases.
Is ComBank ePassbook free?
ComBank ePassbook is free to download, with no in-app purchases.
Which has better reviews, BOC SmartPay or ComBank ePassbook?
ComBank ePassbook is rated higher. BOC SmartPay averages 3.5 out of 5 from 20 ratings, while ComBank ePassbook averages 3.8 from 9 ratings.
Do BOC SmartPay or ComBank ePassbook have ads?
Neither BOC SmartPay nor ComBank ePassbook shows ads.
Which is updated more often, BOC SmartPay or ComBank ePassbook?
BOC SmartPay ships an update every 3 months, and ComBank ePassbook every 5 months. Most recently, BOC SmartPay was updated on November 2, 2026 and ComBank ePassbook on November 3, 2026.

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