# BOC  SmartPay vs CBM ePassbook

The clearest difference is update cadence: CBM ePassbook at every 5 weeks against BOC  SmartPay's every 3 months. CBM ePassbook also leads on iOS requirement (13.0 vs 16.6). BOC  SmartPay's advantage is ratings volume (20 vs 3). On price, rating, ads and in-app purchases there is nothing between them.

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

CBM ePassbook holds the better App Store score, 3.7 against 3.5. That said, the two scores are not equally well evidenced: BOC  SmartPay has 20 ratings behind it against 3, so its average is the more settled of the two.

BOC  SmartPay ships an update every 3 months, CBM ePassbook every 5 weeks. The most recent releases landed on August 17, 2026 and September 21, 2026 respectively.

## The numbers

| Metric | BOC  SmartPay | CBM ePassbook |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.5 (20 ratings)](https://appshunter.io/ios/app/boc-smartpay/id1452130475/reviews) | **[3.7 (3 ratings)](https://appshunter.io/ios/app/cbm-epassbook/id1543659049/reviews)** |
| Number of ratings | **20** | 3 |
| Positive reviews | 66.7% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 5 weeks** |
| Monetization | Free | Free |
| Size | 46 MB | 28 MB |
| Requires iOS | 16.6 | **13.0** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Bank Of Ceylon](https://appshunter.io/developer/1322257298) | [Commercial Bank of Ceylon PLC](https://appshunter.io/developer/1343626219) |

## 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


### CBM ePassbook

[App page](https://appshunter.io/ios/app/cbm-epassbook/id1543659049)

Access your bank account transactions and balances online from your smartphone. View real-time account information, check transaction history up to six years, and manage your accounts with convenient security options. Find ATM and branch locations, and view exchange rates.

**Highlights:** View real-time account balance and transactions, Access account history up to six years, Check unrealized cheques and account holds, Self-register without visiting a branch, Transaction notification alerts, PIN and biometric authentication options, Find ATM and branch locations

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is BOC  SmartPay free?

BOC  SmartPay is free to download, with no in-app purchases.

### Is CBM ePassbook free?

CBM ePassbook is free to download, with no in-app purchases.

### Which has better reviews, BOC  SmartPay or CBM ePassbook?

CBM ePassbook is rated higher. BOC  SmartPay averages 3.5 out of 5 from 20 ratings, while CBM ePassbook averages 3.7 from 3 ratings.

### Do BOC  SmartPay or CBM ePassbook have ads?

Neither BOC  SmartPay nor CBM ePassbook shows ads.

### Which is updated more often, BOC  SmartPay or CBM ePassbook?

BOC  SmartPay ships an update every 3 months, and CBM ePassbook every 5 weeks. Most recently, BOC  SmartPay was updated on August 17, 2026 and CBM ePassbook on September 21, 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.*