Short answer — “best” depends on your needs, but award-winners and widely recommended apps are:

• ComBank Digital (Commercial Bank of Ceylon) — widely regarded as the top overall mobile banking platform in Sri Lanka (Global Finance “Best Mobile Banking App” 2023) and winner of national digital/ICT awards in 2024; strong features, high usage, multi‑platform apps and extensive payments/bill-pay coverage. (combank.lk)

• HNB (HNB SOLO / HNB mobile) — consistently highly rated and recognised for retail/digital banking; HNB released a trilingual app (Sinhala/Tamil/English) in Jan 2025 and has recent LankaPay awards for digital innovation. Good for accessibility and broad retail features. (hnb.net, lankabusinessnews.com)

• Sampath Vishwa (Sampath Bank) — major redesign/launch in 2024 (Sampath Vishwa Retail) focused on UX, biometric login and conversational support; strong for customers who like streamlined interfaces and features such as quick payments and deposits. (enbsl.lk, lankabusinessnews.com)

• People’s Wave / People’s Pay (People’s Bank) — recognised in 2024 as a top mobile/internet banking product for state banks and digital payments; useful if you prefer a state‑bank with wide branch/agent coverage. (peoplesbank.lk)

• Fintech/payment apps to consider (LOLC iPay, Dialog Genie, ComBank Q+) — if your priority is payments/QR acceptance or a non-bank wallet, these got LankaPay/industry recognition for payment products. (lankapay.net)

How to pick the best app for you

• Use the app of the bank where you hold an account (easiest for transfers, account services, KYC).
• Look for: biometric login, device registration, multi-language support, QR/LankaQR support, biller coverage, offline/USSD options, and good customer support.
• Check current Apple App Store / Google Play ratings and recent reviews for stability and bugs before installing (store ratings change quickly).

Notes and timing

• Awards and launches above are from 2023–2025 (Global Finance 2023, NBQSA 2024, HNB trilingual launch Jan 2, 2025, Sampath Vishwa May 2024). App quality and rankings evolve, so “best” can shift over months. (combank.lk, hnb.net, enbsl.lk)

If you want, I can fetch the latest Google Play / App Store ratings and the most recent user-review highlights for any two apps you care about. Which ones should I check?