Here are the top features to look for in a Sri Lankan banking app, grouped by priority and with what to check for each:

Must-have features

• Strong security and authentication — biometrics (fingerprint/face), two‑factor authentication (OTP/app‑based), device binding, TLS encryption. Check whether the app supports biometric login and lets you revoke devices/sessions.
• Interbank payments and local network support — real‑time or fast transfers and ability to pay/receive through the national switch (LankaPay/other local rails). Verify it can send/receive SLIPS/real‑time transfers and pay billers you use.
• Multilingual UI — Sinhala, Tamil and English. Confirm language selection is available and that translations are complete (not half‑translated).
• Card controls — instant freeze/unfreeze, set/remove limits, enable/disable international/online usage and create virtual/temporary cards. Useful for fraud prevention.
• Bill payments & merchant payments — pay electricity/water/telecoms, buy mobile top‑ups, and support for QR/payments accepted widely in Sri Lanka. Look for a comprehensive biller list and QR pay (scan/pay) support.
• Account overview & statements — easy balance/transaction view, downloadable e‑statements (PDF), search and categorization. Check date ranges and export options.

Very useful (Nice-to-have)

• Real‑time notifications and alerts — instant SMS/push for transactions, low balance, large debits, and suspicious activity. Ensure push is reliable and configurable.
• Cardless cash withdrawal / ATM locator — withdraw using codes/QR and find nearest ATMs/branches. Check coverage and fees.
• Payments scheduling and standing orders — recurring bill payments, scheduled transfers, and transfer templates.
• Budgeting and spending insights — category-based spending, budgets, alerts for overspend and exportable spending reports.
• Loan & deposit management — apply for/track loans, open fixed deposits or term deposits in-app, pre-approval checks.
• In-app customer support — chat/call support, secure message inbox, ticket tracking and response times.

Advanced / competitive features

• Remittances & forex tools — initiate/integrate outward remittances, view live FX rates and currency conversion tools if you send/receive foreign currency.
• Virtual / disposable cards and tokenization — for safer online shopping and subscription management.
• Integration with government and employer services — tax payments, EPF/ETF visibility or payroll integration where available.
• API / third‑party integrations — ability to connect with accounting tools, wallets or aggregator apps.
• Offline/low‑data mode & small app size — useful where network/data is limited; works reliably on older Android devices.

Security & compliance checklist (what to verify)

• App permissions are sensible (no unnecessary contacts/location access).
• App‑store reviews and update frequency — frequent updates indicate active maintenance.
• Bank’s disclosures about encryption, data privacy policy and compliance with Central Bank of Sri Lanka rules.
• Option to remotely log out and change/reset credentials; clear fraud reporting flow.

Usability & accessibility checklist

• Simple onboarding and KYC flows (document upload, in‑app camera capture).
• Fast performance on common devices and low data consumption.
• Clear fee schedule inside the app (transfer fees, biller fees, ATM charges).
• Accessibility features (readable fonts, contrast, screen‑reader compatibility).

How to evaluate quickly

• Read recent app store reviews and note common complaints (stability/security).
• Try core actions: check balance, send an interbank transfer, pay a bill, enable biometric login, and freeze a card.
• Confirm customer support responsiveness by sending a question via in‑app chat or secure message.

If you want, I can narrow this to a checklist tailored to personal needs (frequent remits, business account, low‑data phones, etc.) or draft an evaluation template you can use while testing specific Sri Lankan banks’ apps.