Short answer: There’s no single objectively “best” digital bank for everyone — it depends on what you need (everyday retail banking, business/SME tools, payments ecosystem, branch network, foreign currency support, etc.). Recent awards and industry rankings show a few clear leaders in Sri Lanka’s digital-banking space:

• Commercial Bank of Ceylon — recognized by LankaPay’s Technnovation Awards (2025) for excellence in digital payments and as a leader in payment innovations. (lankapay.lk)
• NDB (National Development Bank) — highly rated for digital innovation and named Sri Lanka’s Best Digital Bank for SMEs / Most Innovative Digital Banking Brand in recent awards (Euromoney / Global Brands coverage). If you’re an SME, NDB’s NEOS and NEOS BIZ platforms are frequently highlighted. (businesscafe.lk)
• People’s Bank — has received international recognition for digital transformation and wide digital adoption among mass-market customers (noted in recent awards coverage). Large branch/customer base plus growing digital user numbers make it strong for inclusion and reach. (mawratanews.lk)

Which is “best” for you:

• If you want top digital payments and fintech integrations: consider Commercial Bank. (lankapay.lk)
• If you run an SME and need digital business banking tools: NDB is frequently singled out. (businesscafe.lk)
• If you want widest reach, government-linked services and high digital adoption across demographics: People’s Bank is a contender. (mawratanews.lk)

If you’d like, tell me what you need most (personal checking, business accounts, low fees, foreign transfers, mobile app features), and I’ll recommend the best fit and link specific features or app reviews.