Comparison

BOC SmartPay vs Kokopay

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

Kokopay

This app offers a fast and secure platform for managing and paying bills across Africa. It consolidates various payment needs into a single, user-friendly interface.

Highlights
  • Fast bill payments
  • Secure transactions
  • All-in-one platform
  • African focus
Features
Read full description

Kokopay is the fastest and safest all-in-one bill payment app within Africa

Screenshots

BOC SmartPay4 screens
Kokopay4 screens

Verdict

The call

The clearest difference is rating: Kokopay at 4.0 against BOC SmartPay's 3.5. Kokopay also leads on review sentiment (75% vs 67%). 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

Kokopay holds the better App Store score, 4.0 against 3.5. Both are backed by a comparable volume of ratings — 20 and 29 respectively. Written reviews point the same way: 67% of BOC SmartPay's written reviews are positive against 75% of Kokopay's.

UpkeepUpdate frequency

BOC SmartPay ships an update every 3 months, Kokopay every 5 months. The most recent releases landed on August 17, 2026 and September 27, 2026 respectively.

Scorecard2 real differences · 8 level
BOC SmartPay versus Kokopay: the parameters behind the verdict, then further details
ParameterBOC SmartPayKokopay
PriceFreeFree
Rating3.5 (20 ratings)4.0 (29 ratings) — better
Positive reviews66.7% of reviews75.0% of reviews — better
Number of ratings2029 — better
Update frequencyEvery 3 months — betterEvery 5 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS16.615.6 — better
Further details — not scored
Size46 MB48 MB
Age rating4+4+
DeveloperBank Of CeylonKOKOSEND LIMITED

Customer experience

BOC SmartPay

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

Kokopay

All ratings29 ratings
Positive72.4%
Neutral6.9%
Negative20.7%
Written reviews20 reviews
Positive75.0%
Neutral5.0%
Negative20.0%

In-app purchases

None

BOC SmartPay

No in-app purchases

None

Kokopay

No in-app purchases

Questions

Is BOC SmartPay free?
BOC SmartPay is free to download, with no in-app purchases.
Is Kokopay free?
Kokopay is free to download, with no in-app purchases.
Which has better reviews, BOC SmartPay or Kokopay?
Kokopay is rated higher. BOC SmartPay averages 3.5 out of 5 from 20 ratings, while Kokopay averages 4.0 from 29 ratings.
Do BOC SmartPay or Kokopay have ads?
Neither BOC SmartPay nor Kokopay shows ads.
Which is updated more often, BOC SmartPay or Kokopay?
BOC SmartPay ships an update every 3 months, and Kokopay every 5 months. Most recently, BOC SmartPay was updated on August 17, 2026 and Kokopay on September 27, 2026.

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