Here are the Sri Lanka mobile banking / payment apps that support instant (real‑time) fund transfers — most use LankaPay’s real‑time rails (CEFTS) to move money 24/7 between member banks. (I’m citing each bank’s product page; features/limits/fees can change, so check the app or bank site for the latest.) As of Sep 6, 2025:

• Bank of Ceylon — SmartPay / B App / BOC Flex: fund transfers to any bank in real time via SmartPay; QR & bill payments too. (boc.lk)
• Commercial Bank of Ceylon — ComBank Q+ / ComBank mobile: supports card→account, card→card and LankaPay transfers / instant interbank transfers. (combank.lk)
• Hatton National Bank (HNB) — HNB Digital Banking / SOLO: real‑time transfers to other banks, Pay‑to‑Mobile and LankaQR features. (hnb.net)
• Sampath Bank — Sampath Mobile / WePay: bank‑to‑bank transfers and wallet features; interbank transfers supported. (sampath.lk)
• Nations Trust Bank — FriMi: instant P2P (mobile‑number based) and real‑time transfers to other banks. (frimi.lk)
• People's Bank — People’s Wave / People’s Pay: mobile app supports interbank (CEFTS) real‑time transfers and standard mobile banking features. (peoplesbank.lk)
• NDB — NDB NEOS (NDB Mobile): real‑time fund transfers to other banks (CEFTS) plus Pay‑to‑Mobile and QR. (ndbbank.com, apps.apple.com)
• DFCC Bank — DFCC ONE: app supports instant payments to third‑party accounts via CEFTS. (dailymirror.lk, apps.apple.com)
• Seylan Bank — Seylan Mobile: offers transfers to other banks (mobile app fund transfer features listed). (seylan.lk)
• (Also: many other banks and payment apps — e.g., iPay, LankaPay/JustPay integrations — provide instant bank transfers or act as wallets that push CEFTS transfers.) (ipay.lk, lankapay.net)

Quick notes and tips

• Underlying network: LankaPay’s CEFTS (Common Electronic Fund Transfer Switch) is the national real‑time interbank system used by member banks to enable instant transfers (typically up to a set limit per transaction). (lankapay.net)
• What to check in each app: daily/transaction limits, per‑transaction fees, whether you must add beneficiaries beforehand or can pay by mobile number/QR, and whether your mobile number is registered for OTP/SMS alerts. (Banks set these and update them often.) (boc.lk, ndbbank.com)
• Reversals/errors: CEFTS/CEFT transactions are instant and generally irreversible by the customer — if you send to a wrong account you’ll need to contact your bank to initiate a chargeback/reversal process. (peoplesbank.lk)

If you want, I can:

• list these apps with direct links to their app‑store pages and tariff/limit pages, or
• show which apps let you pay using a recipient’s mobile number (vs. account number) or permit cross‑bank P2P by mobile number.