Very modern / full-featured; addresses many “pain points” like branch visits, manual applications. Good security (biometrics). Strong mix of banking + payments.
Limitations / Things to Improve
Some early user complaints: delays or glitches (e.g. SMS alerts, duplicate transactions) especially after launch. Some missing features perhaps (or performance issues) as it is a new app.
ComBank Q Plus Payment App (Commercial Bank of Ceylon)
Key Features / What It Offers
QR-based payments: Supports Visa, Mastercard, Lanka Pay QR codes.
Register up to 5 cards (credit, debit, prepaid) to make payments via app.
Transaction history (up to 6 months).
All kind of bill settlement.
Dispute feature through app.
“Online Pay” feature: pay for online purchases using mobile number etc.
Strengths / What It Does Well
Very good if you do a lot of QR-payments; flexibility of cards; decent security; good integration of QR and online payments. Useful for small merchant / everyday purchases.
Limitations / Things to Improve
Not a full banking app (only payments / QR / cards) — limited in that it won’t replace “full account management”. Some user reviews indicate missing utility billers, etc. Also ratings are modest.
NSB Pay (National Savings Bank)
Key Features / What It Offers
QR payments (static & dynamic).
PIN or biometric login.
View transaction history.
Utility bill settlement.
Self-registration via app.
Strengths / What It Does Well
Very simple and convenient for QR-based payments; high user base; good reviews.
Limitations / Things to Improve
More limited scope: doesn’t provide full banking features (loans, opening accounts, etc.), more oriented around payments. Some users report issues with login or maintenance periods.
SOLO by HNB
Key Features / What It Offers
Digital wallet / payment app.
QR payments at merchants via Visa / Mastercard / JustPay.
Available on iOS & Android.
Supports paying for traffic fines, etc. feature additions.
Trilingual support (Sinhala, Tamil, English) for accessibility.
Strengths / What It Does Well
Good reach; useful for everyday transactions (merchants, small payments); strong merchant network; good UI for payments.
Limitations / Things to Improve
It is more of a payment / wallet app, less so a full banking app; limited banking-product features (opening fixed deposits, loans) in this app. Some user complaints about performance delays, occasional slowness.
Amana Bank “Your Bank” / Amana Mobile Banking
Key Features / What It Offers
Offers mobile banking: internal and external fund transfers, account access (deposit & advance accounts).
Self-registration for online banking.
Bill payments, etc. generally features typical banking app functions.
Strengths / What It Does Well
For customers who want a full banking app with typical functionalities plus Islamic banking compliance (Amana being an Islamic bank) — this is useful.
Limitations / Things to Improve
Possibly less advanced than brand new apps like BOC Flex in terms of UX / cutting-edge features. Might lack some payment wallet / QR features or merchant-oriented features. (Need more up-to-date user feedback.)
Sampath Vishwa by Sampath Bank
Key Features / What It Offers
Allows fund transfers, mobile recharges, bill payments.
Open savings & fixed deposits.
Apply for web card / virtual card.
Repeat transactions, favorite payees/billers.
Strengths / What It Does Well
Broad functionality, covers many banking needs; good for people who do more than just “pay merchants / scan QR” — you get full banking + payments.
Limitations / Things to Improve
Some users complain about UI/UX, delays, charges for certain services (SMS, etc.), performance glitches. There is also some dissatisfaction in forums about speed/timeliness.
Offline and pre-login features: branch/ATM locator via GPS; loan & pension calculators; real-time interest rate/exchange rate info; contact details.
Self-registration / online registration (if you have account, registered mobile/email) so branch visit not always required.
Strengths / What It Does Well
Very full-featured; offers both basic & advanced banking services, not just payments. Good offline / convenience functions. Solid integration of many product types (credit cards, deposits, loans, pawning etc.) under one interface. Popular among bank customers (People’s Bank has large customer base).
Limitations / Things to Improve
Some user reviews point to problems: app reliability, server errors, performance issues. Some dissatisfaction with UX / speed. Also, fees or charges (for certain transactions or maintenance of “online banking / wave” services) are a concern among users. Also, sometimes the app requires good internet / updated OS version etc; users with older phones may face compatibility issues.
📝 What to Consider When Choosing a Banking App in Sri Lanka
When picking a mobile banking or payment app, your decision should be guided by your lifestyle, banking needs, and the level of convenience you expect. Here are the key factors:
Type of App: Banking vs. Payment
Full-service banking apps (e.g., BOC Flex, Sampath Vishwa, People’s Wave, Amana Your Bank, NDB Neos) let you open accounts, transfer money, pay bills, apply for loans or deposits, and manage cards.
Payment-focused apps (e.g., NSB Pay, HNB SOLO, ComBank Q Plus) are lighter and faster for everyday QR transactions and bill payments, but may not replace full online banking.
Onboarding & Registration
Can you self-register from home using just your NIC, mobile, and email (like BOC Flex, People’s Wave)?
Or do you need a branch visit / paperwork (older apps sometimes still require this)? If you value convenience, pick an app with digital self-onboarding.
Payments & QR Coverage
Look for LankaQR compatibility (works at most merchants island-wide).
Check whether it supports Visa/Master QR (ComBank Q Plus, SOLO).
If you frequently pay merchants or bills, make sure the app covers your most-used billers and merchants.
Security Features
Does the app support biometric login (fingerprint/Face ID)?
Are transaction OTPs mandatory?
Can you set spending limits, favourite beneficiaries, or lock/unlock cards? A strong security framework is critical to protect your money.
Performance & User Reviews
Check Google Play / App Store ratings: apps like NSB Pay & SOLO are rated higher for payments, while People’s Wave gets mixed reviews due to server slowdowns.
Stability, speed of transactions, and customer support response matter a lot in emergencies.
✅ Quick Tip
Full digital bank experience
Choose this if you want end-to-end banking (accounts, deposits, loans, transfers, bills).
BOC Flex
People’s Wave
Sampath Vishwa
NDB NEOS
Fast payments & QR scanning
Ideal for everyday merchant payments, LankaQR, and quick bill settles.
NSB Pay
HNB SOLO
ComBank Q+ (Q Plus)
Islamic banking compliance
For customers seeking Shariah-compliant banking features.
Amana Bank – Your Bank
Tip: If you already bank with one of these institutions, start with their own app for the smoothest setup.
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