Short answer Users report the Sampath Bank mobile ecosystem (Sampath Vishwa Retail app plus the WePay wallet features) offers a full set of modern mobile-banking features — account view, transfers (including real‑time interbank), bill payments, LANKAQR/merchant payments, virtual wallet/web‑card, FD/loan actions and biometric login — but user experience is mixed: many praise the feature set while a substantial number of users complain about instability, slow loading, occasional outages and frustrating device‑registration/login flows. (sampath.lk)

What you’ll get (typical positive points)

• Feature set: view balances/transactions, transfer to other banks in real time, schedule bill payments, open savings/FDs and apply for web cards/loans from the app; WePay adds a virtual VISA wallet, LANKAQR payments and touchless ATM withdrawals. (sampath.lk)
• Modern conveniences: biometric login (fingerprint/Face ID), ability to save payees, scheduled payments and in‑app card control. Business/press descriptions and the app store listing highlight these. (BusinessCafe.lk)

Common complaints and friction points reported by users

• Performance and reliability: multiple user reviews and forum posts report slow screens, long loading times, transactions failing or being cancelled, and periodic outages or crashes. These are recurring themes in app‑store reviews and community threads. (apps.apple.com)
• Device/registration friction: some users report the app can lock registrations after device changes or resets and that re‑activating a device sometimes requires calling customer support and lengthy verification. (Reddit.com)
• Usability regressions after updates: several users say recent redesigns or updates introduced bugs (missing saved payees, search not working, UI issues). App store reviews mention these problems alongside positive comments. (apps.apple.com)
• Mixed ratings: app store ratings are middling (example: ~3.2/5 on the Apple App Store listing shown), reflecting a spread of satisfied and unhappy users. (apps.apple.com)

Security and costs

• Security: the bank advertises OTP, PIN and biometric protections; WePay’s virtual wallet uses dynamic CVV for online transactions. (sampath.lk)
• Fees: basic app signup and many WePay actions are free, but some transfers (e.g., wallet to other banks) have small fees — see the bank’s fee table for specifics. (sampath.lk)

Practical tips if you use it

• Keep the app up to date; some bug fixes and performance improvements are released periodically (check App Store/Play Store notes). (apps.apple.com)
• Register your device and keep your mobile number/SMS alerts active to avoid re‑activation hassles. Back up any long payee lists elsewhere in case an update or bug hides them. (sampath.lk)
• For critical transfers, if you see errors or timeouts, verify transaction status with the bank before retrying to avoid duplicate transfers. Community reports show intermittent backend failures have happened. (Reddit.com)

Bottom line The Sampath mobile apps offer a comprehensive, modern feature set and useful new services (WePay virtual wallet, LANKAQR, biometric login), but real‑world experience is mixed because of recurring performance, stability and support friction reported by many users. If you value features and are comfortable with occasional hiccups (and contacting support when needed), it’s useful — if you need rock‑solid, always‑fast mobile banking, be aware of the reported issues. (sampath.lk)

If you want, I can:

• check the current Play Store rating and recent reviews for the Android app (latest 30 days), or
• summarize step‑by‑step how to register and enable WePay/biometric login based on the bank’s support pages.