# BOC  SmartPay vs HNB Digital Banking

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.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

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.

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.

## The numbers

| Metric | BOC  SmartPay | HNB Digital Banking |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.5 (20 ratings)](https://appshunter.io/ios/app/boc-smartpay/id1452130475/reviews) | **[4.1 (52 ratings)](https://appshunter.io/ios/app/hnb-digital-banking/id1511404923/reviews)** |
| Number of ratings | 20 | **52** |
| Positive reviews | **66.7% of reviews** | 46.9% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 2 months** |
| Monetization | Free | Free |
| Size | 46 MB | 72 MB |
| Requires iOS | 16.6 | **15.0** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [BANK OF CEYLON](https://appshunter.io/developer/1322257298) | [Hatton National Bank](https://appshunter.io/developer/880560643) |

## 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


### HNB Digital Banking

[App page](https://appshunter.io/ios/app/hnb-digital-banking/id1511404923)

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