Here’s a concise list of Sri Lankan bank mobile apps and popular payment/wallet apps that support instant (near‑real‑time) fund transfers to other local bank accounts or to mobile wallets — typically via LankaPay / JustPay / CEFT rails. Instant timing, fees and limits vary by bank and by whether you and the recipient are on the same real‑time network, so check your bank’s app or website for exact cutoffs and limits.

Major bank apps that support instant / near‑real‑time transfers

• Commercial Bank — Q+ Payment App (ComBank Q+) — supports card‑to‑card and JustPay/LankaPay transfers and is integrated with the national JustPay network. (mawratanews.lk)
• Hatton National Bank — HNB SOLO / HNB mobile apps — SOLO e‑wallet and HNB apps support LankaQR/JustPay and instant wallet/bank transfers. (marx.lk)
• Sampath Bank — Sampath mobile (WePay / Vishwa ecosystem) — offers bank transfers and QR/wallet services (WePay/Vishwa are integrated with LankaPay networks). (marx.lk)
• Bank of Ceylon — SmartPay / BOC mobile offerings — supports LankaQR and instant merchant/bank payment rails through LankaPay partners. (marx.lk)
• Nations Trust / FriMi — FriMi (Nations Trust Bank) — full digital banking app with LankaQR and instant transfer features. (brandradar.org)

Popular non‑bank / fintech apps that provide instant bank transfers

• Centrix (Central Finance) — allows bank‑to‑bank transfers via JustPay / CEFT and LankaQR. (apps.apple.com)
• ePay, UPay, PayMaster, Marx/merchant apps and other wallets — multiple fintechs integrate with JustPay/LankaQR for instant payer→merchant and wallet↔bank transfers. (Examples: ePay, UPay, PayMaster). (epay.lk)
• Lanka Remit (Central Bank / national remittance app) — supports instant inward remittances & instant disbursement to bank accounts / mobile wallets in Sri Lanka. (cbsl.gov.lk)

Notes & practical tips

• “Instant” is usually provided over LankaPay’s JustPay/LankaQR rails or bank‑level instant rails — most major banks and many wallet providers are on these networks, but exact speed/availability can depend on the sending/receiving bank, time of day, maintenance windows, and the KYC level of the accounts. (lankatalks.com)
• Banks may offer different instant features: card‑to‑card (Visa Direct/Mastercard Send), account‑to‑account via JustPay/LankaPay, or wallet top‑ups. Check the app’s supported transfer method. (mawratanews.lk)
• Fees & limits vary widely (some instant transfers are free, others carry fees). Confirm in your bank app’s pricing or FAQs before sending large amounts. (See bank/app FAQs and CBSL guidance). (apps.apple.com)

If you’d like, I can:

• List the exact instant‑transfer feature name, fees and daily limits for 3 specific banks/apps you care about (I’ll look up the most recent app pages/FAQs).
• Or send direct links to the official app/FAQ pages for any of the apps above.

Which option would you prefer?