There isn’t one objectively “best” digital bank in Sri Lanka — it depends on what you value (consumer app UX, payments, SME tools, branch coverage, or corporate services). That said, a few clear leaders (based on industry awards, large user bases and recent product rollouts) are:

• Commercial Bank of Ceylon (ComBank) — strong consumer/mobile ecosystem (ComBank Digital + Q+ payments), multiple national awards and recognized for digital solutions. (combank.lk)
• People’s Bank — very large digital customer base (millions of users) and named Sri Lanka’s Best Digital Bank by Euromoney in recent awards. Good for wide coverage and mass-market digital services. (dailymirror.lk)
• NDB (and NDB’s NEOS/SME platforms) — received recognition for SME digital banking (Euromoney/industry awards for SME banking). If you’re an SME this is often highlighted. (brandradar.org)
• Other notable digital offerings: HNB (HNB Solo), HSBC Sri Lanka, DFCC, Sampath and Seylan — each has strong apps or niche strengths (cards, corporate, international services). App ratings and features change frequently. (brandradar.org)

If you want a single recommendation:

• For general consumers and payments: Commercial Bank (ComBank Digital / Q+) or People’s Bank (People’s Wave) are the top choices. (combank.lk)

Would you like a short, side‑by‑side comparison (features, app-store ratings, fees, branch/ATM coverage) for the top 3 so you can pick the best one for your needs? If so I can fetch current app ratings and latest user-review highlights.