BOC Flex

My Life, My Flex

Banking at Your Fingertips to Suit Your Lifestyle

Welcome to BOC Flex, your all-in-one digital banking companion. Designed to make banking smarter, faster, and more convenient, BOC Flex offers everything you need in one powerful app, featuring Sri Lanka's first-ever in-app Mobile Wallet with Tap & Pay. From everyday banking and seamless payments to a secure Digital Wallet, an instant Virtual Card, and the freedom of Tap & Pay, enjoy a next-generation banking experience that puts the power of banking right at your fingertips.

BOC Flex Digital Wallet
Experience a secure digital wallet designed for both BOC and Non-BOC customers, making everyday digital payments simpler, smarter, and more convenient.

Virtual Card
Create your Virtual Card instantly within the app and enjoy secure online shopping without the need for a physical card.

Tap & Pay
Leave your physical wallet behind. Simply tap your NFC-enabled smartphone(Android) at any contactless POS terminal and enjoy fast, secure, and convenient payments with Sri Lanka's first Tap & Pay digital wallet experience.

BOC Flex Instant Loan
The BOC Flex Instant Loan is an AI-driven fast and hassle -free financing offered via BOC Flex Mobile App – just seamless digital borrowings at your fingertips.

Why Choose BOC Flex?

Seamless Onboarding & Easy Access
Self-registration and biometric login for quick and secure access
Smart Savings
Open BOC savings accounts from anywhere, anytime in a few taps
Instant Loans against FDs
Open FDs and get loans against Fixed Deposits in a few taps
QR Payments
Make quick and convenient payments by scanning QR Code
Personalized Experience
Customizable widgets and themes to suit your style
Seamless Payments & Transfers
One-to-one, multiple or scheduled fund transfers & bill payments
Personalized Finance
Payment reminders, expense tracker, financial memos & more options
Government Payments
Safe and secure payments to government institutions

Banking, Just the Way You Want It!

BOC Flex is more than just a banking app—it’s your financial companion for a hassle-free and secure banking experience. The No. 1 Bank in Sri Lanka, brings you trust and innovation at your fingertips, making banking seamless and convenient.

Download BOC Flex today and experience the future of banking—smarter, faster, and more convenient!

Ready. Set. FLEX.
Transact with BOC Flex and stand a chance to win an iPhone 17 Pro Max every month!

Simply complete a minimum of 5 transactions per month, including three other bank fund transfers, to be eligible.
Promotion Period: 01 September – 30 November 2026

More transactions. More possibilities. FLEX your way to an iPhone 17 Pro Max!

T&Cs apply.

Install Now

BOC Flex Instant Loan

The BOC Flex Instant Loan is an AI-driven fast and hassle -free financing offered via BOC Flex Mobile App – just seamless digital borrowings at your fingertips.

Why Choose BOC Flex Instant Loan?

AI-powered eligibility assessment - decisions made by data, not delays.
100% paperless - no physical documents required at any stage.
Instant disbursement directly through the BOC Flex App.
Zero branch visit.
Collateral-free facility.
Competitive interest rate.

Features of Flex Instant Loan

Loan Amount	Rs. 10,000 – Rs. 500,000
Repayment Period	03 – 36 Months
Interest Rate	Please refer https://www.boc.lk/rates-tariff#advance-rates → Personal Loan
Collateral	Clean
Documents Required	None
Apply through	BOC Flex App

How to Apply

Our AI engine continuously evaluates your profile against the eligibility criteria, pre-qualify you and, determines your loan amount automatically. A notification is then sent to you via the BOC Flex App with your personalized offer. From there, the decision is entirely yours.

You just need to follow the following simple steps.

Log in to the Flex Mobile App.
Navigate to the Accounts Center, tap the Loans bubble, and select Instant Loan (available only to qualified customers).
Confirm your Residency.
Provide consent to check your CRIB report.
Once the CRIB check passes, the Loan Calculator screen appears, allowing you to select the desired loan amount and tenure.
Proceed to the Details Verification screen to review your information.
Review and accept the Terms and Conditions along with the Loan Offer.
Authenticate using your password or biometrics and One Time Password (OTP).
Receive confirmation on the Loan Successful screen.

Eligibility

To be eligible for the BOC Flex Instant Loan, applicants must meet the following requirements.

Active registered user on Flex Mobile Banking Application
Be between 18 and 57 years of age
Resident of Sri Lanka
Good track record with the Bank for minimum of 3 months.
Hold a satisfactory Credit Information Bureau (CRIB) score
Have maintained a minimum average deposit of LKR 20000/- over the last 3 months
Average monthly balance of LKR 25000/- or above.
Satisfactory current account performance within last 03 months with no cheque returns (if applicable)
Satisfactory conduct of existing loan facilities with no default records.
Note: The overall eligibility & loan amounts are determined by an Artificial Intelligence (AI) Model.