Comparison

BOC SmartPay vs HNB Digital Banking

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

HNB Digital Banking

Manage your finances on the go with this mobile banking app. Check account balances and view transaction history conveniently from your phone. Simplify your banking and save time managing your accounts.

Highlights
  • Check account balance
  • View transaction history
  • Mobile banking
  • Account management
  • Time-saving
Features
Read full description

With HNB Digital Banking application now you can check your account balance and transaction anytime and anywhere conveniently via your mobile phone. It's simple, easy and will save you precious time when it comes to taking control of all your accounts. You can simply register by validating with your debit card and PIN or you can visit any of our branch to activate the service

Screenshots

BOC SmartPay4 screens
HNB Digital Banking4 screens

Verdict

The call

The clearest difference is rating: HNB Digital Banking at 4.1 against BOC SmartPay's 3.5. BOC SmartPay's advantage is review sentiment (67% vs 47%). 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

HNB Digital Banking holds the better App Store score, 4.1 against 3.5. Both are backed by a comparable volume of ratings — 20 and 52 respectively. Written reviews complicate that: 67% of BOC SmartPay's written reviews are positive against 47% of HNB Digital Banking'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, HNB Digital Banking every 2 months. The most recent releases landed on November 2, 2026 and November 3, 2026 respectively.

Scorecard2 real differences · 8 level
BOC SmartPay versus HNB Digital Banking: the parameters behind the verdict, then further details
ParameterBOC SmartPayHNB Digital Banking
PriceFreeFree
Rating3.5 (20 ratings)4.1 (52 ratings) — better
Positive reviews66.7% of reviews — better46.9% of reviews
Number of ratings2052 — better
Update frequencyEvery 3 monthsEvery 2 months — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPadiPhone, iPod
Requires iOS16.615.0 — better
Further details — not scored
Size46 MB72 MB
Age rating4+4+
DeveloperBANK OF CEYLONHatton National Bank

Customer experience

BOC SmartPay

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

HNB Digital Banking

All ratings49 ratings
Positive77.6%
Neutral4.1%
Negative18.4%
Written reviews49 reviews
Positive46.9%
Neutral8.2%
Negative44.9%

In-app purchases

None

BOC SmartPay

No in-app purchases

None

HNB Digital Banking

No in-app purchases

Questions

Is BOC SmartPay free?
BOC SmartPay is free to download, with no in-app purchases.
Is HNB Digital Banking free?
HNB Digital Banking is free to download, with no in-app purchases.
Which has better reviews, BOC SmartPay or HNB Digital Banking?
HNB Digital Banking is rated higher. BOC SmartPay averages 3.5 out of 5 from 20 ratings, while HNB Digital Banking averages 4.1 from 52 ratings.
Do BOC SmartPay or HNB Digital Banking have ads?
Neither BOC SmartPay nor HNB Digital Banking shows ads.
Which is updated more often, BOC SmartPay or HNB Digital Banking?
BOC SmartPay ships an update every 3 months, and HNB Digital Banking every 2 months. Most recently, BOC SmartPay was updated on November 2, 2026 and HNB Digital Banking on November 3, 2026.

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