Short answer: Commercial Bank’s ComBank Digital and HSBC Sri Lanka’s mobile app are widely regarded as having the best user experience in Sri Lanka right now — with People’s Bank (People’s Wave), DFCC One and a few others (Seylan, HNB) also getting strong recognition for convenience and features depending on what you value (payments, inclusivity, simplicity). (combank.lk)

Why those apps stand out

• ComBank Digital (Commercial Bank) — multiple national and industry awards for its digital channel, high usage numbers and broad functionality (self‑registration, omni‑channel web + native apps, many payment/investment features). That combination of breadth and polish is why it’s often cited as having an excellent UX. (combank.lk)
• HSBC Sri Lanka — internationally recognized (Global Finance) for Best Consumer Digital Bank in Sri Lanka and specifically Best User Experience / Best Mobile Banking App in recent awards, noting strong design, security and consistency. (frontpage.lk)
• People’s Bank (People’s Wave) — picked up national awards for most‑popular digital payment product and for digital payment strategy; strong for payments and mass‑market UX. (dailynews.lk)
• DFCC One, Seylan, HNB and others — have won recent LankaPay / Technnovation or NBQSA awards for digital services or mobile apps, showing they’re competitive on usability, speed and features in different niches (wallets, merchant payments, financial inclusion). (lankatalks.com)

Notes on “best” UX

• UX depends on what you need: broad banking + investing features (ComBank), international-standard polished UI and security (HSBC), easiest local payments and mass adoption (People’s Wave), or lightweight wallet/merchant convenience (DFCC One / Seylan).
• App‑store ratings and recent user reviews can change quickly; awards and industry recognition are the best short list but checking the latest Play Store / App Store ratings for the specific versions you’d use is useful.

If you want, I can:

• Pull the latest Play Store / App Store ratings and recent review snippets for these apps, or
• Compare 2–3 apps side‑by‑side for the specific tasks you care about (transfer speed, bill pay, onboarding, security features). Which would you prefer?