Here are the widely recommended mobile banking apps in Sri Lanka (short list with what they’re best at, plus pros/cons and tips for choosing). I’ve cited reliable sources for the main claims so you can read details.

Top apps (2024–2025 — current features/awards cited)

1. ComBank Digital / ComBank e‑Slips (Commercial Bank of Ceylon)

   • Best for: full-featured mobile/web banking, high usage and industry awards. ComBank’s digital platform won Global Finance’s “Best Mobile Banking App” for Sri Lanka and offers e‑slip cheque/cash deposit functionality. (anybanq.lk)
   • Pros: extensive features (accounts, transfers, bill payments, e‑cheque deposits), trilingual support, high adoption.
   • Cons: power‑user interfaces can be busy; some customers prefer lightweight apps for quick payments.

2. HNB SOLO / HNB mobile (Hatton National Bank)

   • Best for: payments / wallet-style UX and broad language support. HNB’s SOLO wallet and HNB mobile have been promoted as one of the highest‑rated apps and HNB launched a trilingual version to improve accessibility. (HNB.net)
   • Pros: SOLO links non‑HNB accounts/cards, LankaQR support, coupons/merchant features, biometric login. (businesscafe.lk)
   • Cons: if you need full banking products (loans, investments) you may switch between the wallet and the core bank app.

3. DFCC ONE / DFCC Virtual Wallet (DFCC Bank)

   • Best for: clean interface and powerful banking + biller coverage. DFCC markets DFCC ONE as a modern personal digital banking app (also DFCC Virtual Wallet for some users) with biometric login and trilingual options. (uat-dfccweb.dfcc.lk)
   • Pros: quick CEFTS transfers, card/credit‑card bill payments, strong security and UX.
   • Cons: two different DFCC apps (wallet vs. full banking) may confuse some users.

4. Vishwa (Sampath Bank)

   • Best for: traditional bank customers wanting a rebuilt internet/mobile banking experience. Sampath’s Vishwa app was relaunched with modern UX and biometric features and expanded services. (lankabusinessnews.com)
   • Pros: features for card/loan requests, FD closures, conversation‑style support.
   • Cons: some users report occasional outages or usability problems after updates (user reports on community forums). (reddit.com)

5. Nations Direct / FriMi / Nations Trust Bank apps

   • Best for: digitally native experience and fintech‑style features. Nations Trust’s digital offerings (Nations Direct, FriMi) are well regarded for UX and frequent feature updates. (twine.net)
   • Pros: fast onboarding, modern app design, good for day‑to‑day payments and card services.
   • Cons: some corporate banking features may be limited compared with larger banks.

6. Other notable apps (useful depending on your bank)

   • Many banks have capable mobile apps (NDB, People's Bank, NSB, Pan Asia, Sampath, Commercial Bank, HNB, DFCC, etc.). App quality varies by bank and over time — check your bank’s official site or app store listing for current features and recent reviews.

How to choose the best app for you

• If you want the most complete banking feature set (deposits, loans, investments, billers): choose the main app of a large commercial bank (e.g., Commercial Bank, HNB, DFCC). (anybanq.lk)
• If you mainly need quick payments, QR/LankaQR and merchant features: try SOLO (HNB) or wallet‑style apps like FriMi/Nations. (HNB.net)
• If multi‑language support is important: look for apps advertising Sinhala/Tamil/English support (many top banks now offer trilingual options). (HNB.net)
• Read recent app‑store reviews and bank service announcements before switching — stability and outages sometimes appear after major updates (community posts and recent news can reveal problems). (reddit.com)

Security tips

• Always use the bank’s official app store listing (Google Play / Apple App Store).
• Enable biometric login if available, keep your phone OS updated, and be cautious with rooted/jailbroken devices.
• Register device(s) and enable push‑notifications / transaction alerts for immediate fraud detection.

Want a quick, personalized pick?

• If you tell me which bank you use (or plan to use) I’ll give a short recommendation and point you to the official app page and the key features to check before installing.