Here’s a concise, sourced summary of user reviews and the general reputation of major digital banking apps in Sri Lanka (high-level — common praise and complaints).

Top apps & how users generally rate them

• ComBank / “ComBank Digital” — Widely praised for features, cross‑platform availability and ease of self-registration; it was named “Best Mobile Banking App in Sri Lanka” by Global Finance (2023). At the same time some customers report slow/no customer service and occasional account-access problems in independent review sites. (ComBank.lk)

• People’s Bank — Two main apps (People’s Wave and Peoples Pay). App‑store listings show many installs and mixed ratings: some users like the digital account-opening and wallet features, while reviews report login/OTP problems, UI glitches and intermittent outages. (apps.Apple.com)

• Sampath Bank / “Sampath Vishwa” — Many users report unreliable performance (slow loads, timeouts), missing or broken payment features after updates, and poor responsiveness from support. Ratings and forum discussion show recurring frustration with usability and backend reliability. (apps.Apple.com)

• Bank of Ceylon (BOC) — User posts on forums and social media commonly describe an outdated UI, confusing navigation and stability problems; some users say it “works” but is far behind competitors in polish and reliability. (reddit.com)

• HNB / SOLO (HNB digital offerings) and other banks (NTB, NDB, Nations Trust, LOLC iPay, Commercial Bank) — HNB’s SOLO and other bank apps are often highlighted for innovations and specific strengths (payments/merchant acceptance, partner integrations). Commercial Bank’s platform is widely used and recognized for strong digital features, though third‑party review sites show mixed customer‑service complaints across several banks. (HNB.net)

Common strengths reported

• Feature breadth: many bank apps now support transfers, bill payments, QR and card payments, virtual wallets, and in‑app account opening. Commercial Bank in particular is frequently noted for broad functionality. (ComBank.lk)
• Growing acceptance: partnerships and merchant integrations (e.g., HNB SOLO rollouts) are improving real‑world usefulness. (HNB.net)

Common complaints / pain points

• Reliability & speed: slow load times, “service unavailable” errors and timeouts are repeatedly reported for multiple banks (Sampath, BOC, others). (JustUseApp.com)
• OTP / access & support issues: several users describe problems receiving OTPs, getting accounts locked while overseas, and slow or ineffective customer support. These issues can be critical for trust. (Trustpilot.com)
• Usability: clunky or outdated UIs, poor handling on older phones, and missing features (or features that break after updates) are common complaints. (apps.Apple.com)
• Mixed third‑party ratings: app‑store and forum sentiment varies a lot — some apps have high star ratings overall but many one‑star reviews describing very negative experiences (support or security concerns). (apps.Apple.com)

If you want more detail

• I can fetch recent app‑store ratings and the latest user reviews for specific bank apps (Android/iOS), or compare a short‑list (e.g., ComBank, HNB/ SOLO, Sampath Vishwa, People’s Wave/Peoples Pay, BOC). Those are time‑sensitive and I can pull the most recent reviews and ratings if you want — say which banks/apps to include.