# BOC  SmartPay vs Kokopay

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.

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

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.

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.

## The numbers

| Metric | BOC  SmartPay | Kokopay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.5 (20 ratings)](https://appshunter.io/ios/app/boc-smartpay/id1452130475/reviews) | **[4.0 (29 ratings)](https://appshunter.io/ios/app/kokopay/id6443886739/reviews)** |
| Number of ratings | 20 | **29** |
| Positive reviews | 66.7% of reviews | **75.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 months** | Every 5 months |
| Monetization | Free | Free |
| Size | 46 MB | 48 MB |
| Requires iOS | 16.6 | **15.6** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Bank Of Ceylon](https://appshunter.io/developer/1322257298) | [KOKOSEND LIMITED](https://appshunter.io/developer/1613055317) |

## 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


### Kokopay

[App page](https://appshunter.io/ios/app/kokopay/id6443886739)

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