Here are the mobile banking / payment apps people in Sri Lanka commonly use for everyday payments, with quick pros/cons and when to pick each one.

Top apps for everyday payments

• Frimi (Nations Trust Bank) — great for everyday P2P payments, merchant QR payments, instant sign‑up (no branch required), virtual debit card and built‑in savings features. Very consumer‑friendly for splitting bills, topping up and paying utilities. (nationstrust.com)

• HNB mobile app / SOLO wallet (Hatton National Bank) — highly rated, broad merchant acceptance via LankaQR, strong features for transfers, bill pay and a standalone SOLO wallet for quick payments. HNB launched a trilingual app and has promoted SOLO and zero MDR LankaQR offers. Good if you want a well‑rated bank app with wide merchant support. (hnb.net)

• ComBank Digital / ComBank Q+ (Commercial Bank) — full digital banking platform + Q+ payment app for easy LankaQR and card‑based QR payments (supports multiple QR standards). Strong merchant network, Flash digital account option and frequent upgrades (biometric, trilingual UI). Good choice for reliable LankaQR payments and cardholders at many merchants. (combank.lk)

• Sampath Vishwa (Sampath Bank) — widely used by Sampath customers for transfers, bill payments and account management. Works well for Sampath account holders but users report mixed UI/stability experiences; good if your main banking is with Sampath. (See app pages and user feedback when installing.) (reddit.com)

• BOC SmartPay / BOC Mobile (Bank of Ceylon) — a national‑scale app that supports LankaQR scanning and payments, bill pay and top‑ups; designed to be usable by customers of any bank as a payment instrument. Useful if you want a bank‑backed app that supports many merchants. (boc.lk)

Also commonly used / worth considering

• People’s Bank mobile app, Seylan mBanking, Union Bank, and other large bank apps — most now support LankaQR or in‑app QR scanning, realtime transfers and bill payments; choose if you’re already a customer. Commerical/Banks’ merchant apps (Q+, SmartPay, ComBank/Flash) often have strongest merchant reach. (unionb.com)

Why LankaQR matters (short)

• LankaQR is the national interoperable QR standard (Central Bank / LankaPay) that lets most bank apps and wallet apps accept and make QR payments across merchants islandwide. For everyday cashless payments, pick an app that supports LankaQR — it maximizes where you can pay. (cbsl.gov.lk)

How to pick the best app for you (practical checklist)

• Merchant acceptance: prefer apps connected to LankaQR (ComBank Q+, Frimi, HNB SOLO, BOC SmartPay, etc.). (combank.lk)
• If you need instant onboarding with a digital account and cardless features: Frimi or ComBank Flash are good options. (nationstrust.com)
• If you mostly bank with one bank: use that bank’s app (less friction for transfers and card management).
• Look for biometric login, LankaQR support, low/no MDR for small merchant payments, bill pay and utility integrations. (combank.lk)

Quick recommendations

• Best overall for everyday convenience and onboarding: Frimi (NTB). (nationstrust.com)
• Best for widest merchant QR reach and mature banking features: ComBank Digital + Q+. (combank.lk)
• Best for language accessibility and a top‑rated bank app: HNB (trilingual + SOLO wallet). (hnb.net)

Security & practical tips

• Use official app stores (Google Play / App Store / Huawei AppGallery).
• Enable biometric login and SMS/OTP notifications.
• Keep app and phone OS updated; register only one device where the bank requires it.
• Check in‑app transaction limits and MDR (merchant charges) if you run a small business. (boc.lk)

If you’d like, I can:

• compare two specific apps you’re choosing between (features, fees, pros/cons), or
• give step‑by‑step tips to set up LankaQR payments in a chosen app.

Which option do you want next?