Short answer: there’s no single “best” bank for every young man — it depends on your priorities (digital/mobile experience, student/education loans, low fees, ATM/branch access, or quick access to starter credit). That said, five banks stand out in Sri Lanka for young customers right now (reasons and cited sources below). Information below is current as of Sep 7, 2025 — check the bank’s website or branch for exact fees/terms before you open an account.

Top picks (and why)

• Commercial Bank of Ceylon — Best overall digital youth offering and strong nationwide network. Commercial’s Flash FAM / teen digital accounts and youth products (and the newer “Vibe” youth savings) are designed for teens/young adults, include debit cards, budgeting/savings features and easy digital onboarding; the bank is also a leader in digital banking and has a large branch/ATM footprint. (combank.lk)

• NDB Bank — Best for Gen‑Z / tech‑forward young professionals. NDB’s ZEE youth account and strong NEOS digital platform target 18–28 year‑olds, with easy VKYC (video KYC), rewards for high achievers and quick digital services. NDB has also won digital/bank awards in recent years. (ndbbank.lk)

• People’s Bank — Best if you want a state‑bank with wide branch coverage and youth credit options. The YES youth account targets students/young adults and explicitly offers linkups to education, housing and personal loan facilities for younger customers. Good if you value branch access and loan support. (peoplesbank.lk)

• Hatton National Bank (HNB) — Good for teenagers and school‑age accounts plus reward schemes. HNB’s Teen account has prize/reward features, parental/standing‑order protections and youth‑focused benefits that appeal to school/college students. (hnb.net)

• Sampath Bank — Strong on innovative payment options and competitive retail/digital services. Sampath’s mobile and wallet/QR services (WePay) and recent contactless product launches are attractive to tech‑savvy young customers. Sampath is also well regarded for customer service and product innovation. (sampath.lk)

How to choose the best one for you (quick checklist)

• Priorities: Do you want the best mobile app and low‑touch onboarding (pick Commercial/NDB/Sampath) or the cheapest branch/ATM access and government‑backed services (People’s Bank)?
• Fees & minimums: compare account minimums, monthly/ATM fees and card charges.
• Credit & loans: if you’ll need student loans, a first credit card or a salary account, check youth‑loan and salary‑account offers.
• Digital onboarding & KYC: if you’re away from Sri Lanka or prefer online opening, confirm if VKYC/self‑onboarding is available.
• Perks: look at higher interest for youth accounts, rewards for exam achievers, and instant/overdraft loan options.

If you tell me which matters most to you (best app, student loans, low fees, branch access, or getting a first credit card), I can narrow it to one recommendation and list the specific youth account terms to compare.