Short answer: there isn’t one objectively “best” app for every user — but the top contenders for best user experience in Sri Lanka (as of mid‑2025) are Commercial Bank’s ComBank Digital, HNB’s Digital Banking app, and Nations Trust Bank’s Nations Direct/FriMi — each wins on a different UX dimension.

• ComBank Digital — widely recognised for features and breadth (won Global Finance’s “Best Mobile Banking App” for Sri Lanka in 2023). Good if you want a full-featured, widely used platform. (combank.lk)
• HNB Digital Banking — high app‑store ratings and positive user feedback for a clean, reliable interface plus a trilingual (Sinhala/Tamil/English) rollout to improve accessibility. Good if you prioritise polish and language support. (apps.apple.com, hnb.net)
• Nations Trust (Nations Direct / FriMi) — frequently praised by users for a snappy, modern UI and simple flows; considered one of the most user‑friendly by many customers. Good if you value speed and a minimalist UX. (apps.apple.com, reddit.com)
• Sampath Vishwa — recent redesigns improved functionality for many users, but reviews remain mixed (some users report slowness or instability). Worth considering if you bank with Sampath but expect some rough edges. (apps.apple.com, appshunter.io)

What to use this for (quick guidance)

• If you want the single most‑awarded/feature‑complete app: try ComBank Digital. (combank.lk)
• If you want the smoothest day‑to‑day UX and multilingual support: HNB is a strong pick. (apps.apple.com, hnb.net)
• If you want the snappiest, modern interface: Nations Trust / FriMi often gets the best user praise. (apps.apple.com, reddit.com)

Note: app quality and UX change frequently (updates, outages, new features). If you want, I can pull the current app‑store ratings and the latest reviews for a specific bank app right now.