Top Free Finance Apps in Sri Lanka

ComBank Digital Banking with Combank Digital is fast, simple, and secure. Open an account within few seconds to
experience banking designed to fit your lifestyle.
As well as updating the design and adding new functionality, we’ve worked hard to streamline the app
and make it easy to use. We’ll continue improving the app and gradually adding new features.
Feel free to leave a comment and tell us what you’d like to see!

Key Features:

 Log in securely with or without your Secure Key. To log in quickly, you can now use Fingerprint on
eligible devices.
 View payment card information, such as withdrawal and spending limits. You can also report your
lost or stolen card directly from the app.
 Open an account within few seconds directly from your phone. No long lines, no paperwork, no
fuss.
 Achieve your short and long-term financial goals with Spaces. Set savings targets and transfer
money with a single swipe.
 Receive instant notifications on all account activity so you know what’s happening with your
account in real-time.
 Balance Inquiry, View account history
 Pay your bills, Manage your funds, Open other account, FD account creation and other main
financial services.
 Locating our service points and ATM
 Information on interest rates / currency details of our products
 Our latest promotional and offers

Who we are,

Commercial Bank is the largest private bank in Sri Lanka, and the only Sri Lankan bank to be ranked among
the world’s top 1000 banks for many successive years. The Bank operates a network of 250+ computerlinked service points and the country’s single largest ATM network of 600+ terminals. The Bank has been
adjudged ‘Best Bank in Sri Lanka’ for 15 consecutive years by ‘Global Finance’ Magazine and has won
multiple awards as the country’s best bank from ‘The Banker,’ ‘FinanceAsia,’ ‘Euromoney’ and ‘Trade
Finance’ magazines. ComBank Digital , a leading app in the Finance Apps category, boasts a robust user base with a total of 2B installs. It sees impressive engagement with 40M monthly installs and 1M daily installs, reflecting its popularity and usability. The app generates significant monthly revenue, indicative of its effective monetization strategies and user satisfaction. The app supports in-app purchases, allowing users to enhance their experience with additional features and content. ComBank Digital was first released March 18, 2020, and has been continually updated, with the latest update rolled out just February 02, 2026. This commitment to regular updates ensures that users always have access to the latest features and improvements. The app and is currently on version 1.16.0b6.1.362865e.9. With 82 reviews, ComBank Digital maintains a strong presence in the market, supported by numerous rating votes that attest to its reliability and effectiveness in helping users achieve their Top charts free play goals.

People's Pay People's Pay is the People's Bank Payment solution combined with lifestyle features that are designed to make your financial life easier.

People's Bank focuses on Safety & Usability with modern User Experience to provide an unparalleled experience.

Peoples Bank is proud to ensure the safety of your financial data with ISO 27001 standard is applied to the IT Infrastructure.

App Features for Customers
1. Natural User interface without any clutter
2. Self Onboarding.
3. Biometric login(Face ID, Touch ID) & PIN
4. See your Peoples Credit Card details
5. See all your Bank accounts in one place
6. Convenient & Secure payments using the QR Payment method.
7. Language support (English, Sinhala, Tamil)
8. Transaction Limit Management to suit your needs
9. Send money to your friends with Peoples Pay ID or to any Bank account.
10. Hassle-free experience with blazing fast speed.

App Features for Merchants
1. Registration request within the App
2. Merchant Overview based on the currency
3. Merchant History
4. Merchant same day refunds
5. QR Code Generation with Amount.
6. Use one app for both own & merchant financial management People's Pay , a leading app in the Finance Apps category, boasts a robust user base with a total of 2B installs. It sees impressive engagement with 50M monthly installs and 1M daily installs, reflecting its popularity and usability. The app generates significant monthly revenue, indicative of its effective monetization strategies and user satisfaction. The app supports in-app purchases, allowing users to enhance their experience with additional features and content. People's Pay was first released March 11, 2021, and has been continually updated, with the latest update rolled out just March 31, 2026. This commitment to regular updates ensures that users always have access to the latest features and improvements. The app and is currently on version 3.8.0. With 27 reviews, People's Pay maintains a strong presence in the market, supported by numerous rating votes that attest to its reliability and effectiveness in helping users achieve their Top charts free play goals.

OnCredit Online loan Sri Lanka Online loans. Minimum documents. Money on the card in 10 minutes.

Fill out an application from in the loan app and get money on a credit online.

Need money in debt? Don't want to fill out questionnaires and collect a lot of papers? Download OnCredit to apply for a loan online in Sri Lanka.

General Loan Terms
✔️ Minimum Applicant Age - 18 years
💰 Minimum Loan Amount Rs. - 15K
💰 Maximum Loan Amount Rs. - 40K
✔️ Minimum Annual Percentage Rate, shares incl. - 16%
✔️ Maximum Annual Percentage Rate, shares excl. - 192%
⌛ Minimum Repayment Period - 121 days
⌛ Maximum Repayment Period - 183 days
✔️ Standard Rate Reduction - Negotiable with an average customer

An example of a online loan repayment plan with the lowest annual percentage rate:
✔️ Loan Amount: Rs. 6K.
✔️ Repayment Period: 121 days.
✔️ Annual Percentage Rate: 16%.
✔️ Repayment Amount: Rs. 6,312.
✔️ Monthly Installment: Rs. 78.

An example of a online loan repayment plan with the highest annual percentage rate:
✔️ Loan Amount: Rs. 15K.
✔️ Repayment Period: 183 days.
✔️ Annual Percentage Rate: 192%.
✔️ Repayment Amount: Rs. 29.4K.
✔️ Monthly Installment: Rs. 2.4K.

Our Services
OnCredit is a money lending service in Sri Lanka that provides convenient opportunities to get fast and easy loans online. We differ from the traditional Sri cash lending institutions in a number of significant ways. Everything is done online, and the entire process is 100% paperless at all stages, including:
1. Application for personal installment loans
2. Submission of the required documentation
3. Online cash loan approval
4. Electronic money transfer

This way, we aim at helping our customers to obtain urgent loans in the most straightforward manner and enjoy a fast and hassle-free application too from in the loan app. If you are looking for personal loan offers, we are pleased to assure you of the fastest and easiest application process with OnCredit, and that you will receive our easy loans in 30 minutes at most.

Pros of Applying for OnCredit Services
We offer considerable advantages over our competitors on the online financial market in this country:
✔️ Our application process is entirely paperless.
✔️ You will never have to fill out any forms as the entire process from A to Z is done online.
✔️ We require minimum documentation for the purpose.
✔️ Your valid national identity card is all you need to get cash fast online.
✔️ We offer continuous financial support.
✔️ We have a convenient mobile loan app.

Once you have completed the loan cash app download, you will be able to get cash fast wherever you are and at any time since our services are available 24 hours a day, seven days a week.

We guarantee prompt approval.

We never take long to process online loan applications, and once approved, you can count on receiving the loan in 30 minutes maximum.

All our terms and conditions are perfectly flexible.

We are always open to negotiations to make the repayment of your loan as hassle-free as possible.

We guarantee absolute clarity and transparency.

You may rest assured that there will be no hidden fees, disguised privacy terms or any other surprises from us. Your repayment schedule and all other terms will be clearly stipulated from the start so that you will know exactly when and how much to pay.

Application Procedure
The actual application process will consist of three easy steps all of which you can complete online:
1. Open the application form on our official webpage or on the mobile app.
2. Fill in your personal and financial information.
3. Upload and submit a photo of you holding your national identity card.

That's all there is to it! The money will be credited to your account in no time. OnCredit Online loan Sri Lanka , a leading app in the Finance Apps category, boasts a robust user base with a total of 1B installs. It sees impressive engagement with 30M monthly installs and 568K daily installs, reflecting its popularity and usability. The app generates significant monthly revenue, indicative of its effective monetization strategies and user satisfaction. The app supports in-app purchases, allowing users to enhance their experience with additional features and content. OnCredit Online loan Sri Lanka was first released April 26, 2021, and has been continually updated, with the latest update rolled out just April 12, 2026. This commitment to regular updates ensures that users always have access to the latest features and improvements. The app and is currently on version 3.0.1. OnCredit Online loan Sri Lanka maintains a strong presence in the market, supported by numerous rating votes that attest to its reliability and effectiveness in helping users achieve their Top charts free play goals.

BOC Flex BOC Flex is your ultimate all-in-one banking solution! Enjoy seamless financial management with secure and flexible services at your fingertips. Easily transfer funds, pay bills, recharge mobiles, and make QR code payments anytime, anywhere. Keep track of expenses, manage multiple accounts, apply for loans, open new accounts, set up fixed deposits, and schedule payments with ease. With biometric authentication and real-time transaction alerts, BOC Flex ensures your banking experience is faster and safer than ever before. BOC Flex , a leading app in the Finance Apps category, boasts a robust user base with a total of 1B installs. It sees impressive engagement with 90M monthly installs and 2M daily installs, reflecting its popularity and usability. The app generates significant monthly revenue, indicative of its effective monetization strategies and user satisfaction. The app supports in-app purchases, allowing users to enhance their experience with additional features and content. BOC Flex was first released March 19, 2025, and has been continually updated, with the latest update rolled out just April 12, 2026. This commitment to regular updates ensures that users always have access to the latest features and improvements. The app and is currently on version 1.4.2. With 13 reviews, BOC Flex maintains a strong presence in the market, supported by numerous rating votes that attest to its reliability and effectiveness in helping users achieve their Top charts free play goals.

Nations Direct Experience Nations Trust Bank's next generation of digital banking services all in one place with the latest Nations Direct Mobile Banking App.
Pioneering in customer centric solutions, Nations Trust Bank continues to reimagine banking in the digital world. The new Nations Mobile Banking app is a suite of futuristic digital banking solutions with improved UI/UX, latest technology and security to provide customers a simple, secure and seamless banking journey.

Key Features:
- Use one username and password combination across all digital products with Single Sign on.
- Keep your financial goals in track using the Personal Financial Management feature.
- Get 24/7 support from your Relationship Manager in addition to the Chat Bot via the app.
- Schedule Future Payments including Recurring Fund Transfers, Bill Payments and Card Payments.
- Request a Cash Advance from any of your Credit Cards.
- Ensure a secure banking experience with High Risk Verification paired with Biometrics. Nations Direct , a leading app in the Finance Apps category, boasts a robust user base with a total of 370M installs. It sees impressive engagement with 10M monthly installs and 1M daily installs, reflecting its popularity and usability. The app generates significant monthly revenue, indicative of its effective monetization strategies and user satisfaction. The app supports in-app purchases, allowing users to enhance their experience with additional features and content. Nations Direct was first released January 30, 2017, and has been continually updated, with the latest update rolled out just March 06, 2026. This commitment to regular updates ensures that users always have access to the latest features and improvements. The app and is currently on version 3.00.27. With 28 reviews, Nations Direct maintains a strong presence in the market, supported by numerous rating votes that attest to its reliability and effectiveness in helping users achieve their Top charts free play goals.

People's Wave Mobile Banking
Keep track of your finances anytime, anywhere With People’s Mobile Banking, you’ve got your Bank with you where ever you go. It’s ideal for banking on your Smart phone wherever you are in the world. It’s simple and saves time.

For whom?
•For any account holder of the People’s Bank.

What do you get?
• Check your every day account balance with one simple swipe.
• Find your nearest branch or ATM via GPS.
• View upcoming payments, transfers and schedule new Payment.
• Digital Tips - Helps you make the most of your online journey with People’s Bank.
• Top Transfers - Displays the transfers you complete most frequently so you can quickly repeat transfers with just one click.
• Account Summary - Check your account balances and your latest transactions, also view your Loan and Credit Card Account, CASA Account, Pawning Account, Fixed Deposit details and activity inquiries all in one place.
• Transaction History - Check your account history & bill payment history.
• Cheque Services.
• Credit Card Summary - View and monitor your credit card spending habits with the spend distribution corner.
• View credit card statements, including minimum payment and due date.
• Bill Payment - Pay your utility bills, insurance and more using quick bill payment mode, future date bill payment, favorite payment mode.
• Fund Transfer - Transfer funds between your accounts, within People’s Bank or to other local banks using quick fund transfer mode, favorite, future dated, branch to branch (B2B) or recurring mode.

Other Features:
• Loan Calculators.
• Pension Calculators.
• Online Registration (No need to visit the Bank).
• SMS/E-mail notifications (global & transaction level).
• Saves time as no paperwork is involved.
• Up to date Exchange Rates & Interest Rates.
• Minimized banking fees.
• Reset security password online.
• Secured personal account information.
• Subscribe to paperless banking - Get your deposit or credit card statements on the cut-off date. No need to wait for Postal or Courier delivery.
• Loan & pawning - Loan & pawning repayment facility, pawning redemption request facility. People's Wave , a leading app in the Finance Apps category, boasts a robust user base with a total of 3B installs. It sees impressive engagement with 40M monthly installs and 1M daily installs, reflecting its popularity and usability. The app generates significant monthly revenue, indicative of its effective monetization strategies and user satisfaction. The app supports in-app purchases, allowing users to enhance their experience with additional features and content. People's Wave was first released March 09, 2018, and has been continually updated, with the latest update rolled out just November 24, 2025. This commitment to regular updates ensures that users always have access to the latest features and improvements. The app and is currently on version V 1.44.1.2. With 67 reviews, People's Wave maintains a strong presence in the market, supported by numerous rating votes that attest to its reliability and effectiveness in helping users achieve their Top charts free play goals.

Pay&Go Sri Lanka Use PayGo App for the fastest and most secure online payments for reloads/postpaid bills, data packages, utility bills, insurance premiums, cable TV and many other services in Sri Lanka.

Quick, easy, convenient and secure. Pay&Go Sri Lanka , a leading app in the Finance Apps category, boasts a robust user base with a total of 883M installs. It sees impressive engagement with 50M monthly installs and 1M daily installs, reflecting its popularity and usability. The app generates significant monthly revenue, indicative of its effective monetization strategies and user satisfaction. The app supports in-app purchases, allowing users to enhance their experience with additional features and content. Pay&Go Sri Lanka was first released August 18, 2018, and has been continually updated, with the latest update rolled out just September 26, 2025. This commitment to regular updates ensures that users always have access to the latest features and improvements. The app and is currently on version 3.4.5. With 7 reviews, Pay&Go Sri Lanka maintains a strong presence in the market, supported by numerous rating votes that attest to its reliability and effectiveness in helping users achieve their Top charts free play goals.

HNB Digital Banking With HNB Digital Banking application now you can check your account balance and transaction anytime and anywhere conveniently via your mobile phone. It's simple, easy and will save you precious time when it comes to taking control of all your accounts. You can simply register by validating with your debit card and PIN or you can visit any of our branch to activate the service. HNB Digital Banking , a leading app in the Finance Apps category, boasts a robust user base with a total of 1B installs. It sees impressive engagement with 30M monthly installs and 910K daily installs, reflecting its popularity and usability. The app generates significant monthly revenue, indicative of its effective monetization strategies and user satisfaction. The app supports in-app purchases, allowing users to enhance their experience with additional features and content. HNB Digital Banking was first released May 04, 2020, and has been continually updated, with the latest update rolled out just November 17, 2025. This commitment to regular updates ensures that users always have access to the latest features and improvements. The app and is currently on version 7.3.0. With 43 reviews, HNB Digital Banking maintains a strong presence in the market, supported by numerous rating votes that attest to its reliability and effectiveness in helping users achieve their Top charts free play goals.

CashX Lite - online loan app CashX Lite Sri Lanka is a digital lending service that launched operations in Sri Lanka in November 2019.

The CashX Lite loan app offers a fast, simple, and secure way to borrow money directly from your mobile device. With our app, customers can apply for instant cash loans anytime—day or night—right to their bank account.

Designed specifically for mobile users, the app provides a smoother and more convenient experience than using a mobile browser or a desktop computer.

Our mission is to support individuals facing urgent financial needs by offering a user-friendly service and a transparent fee structure that sets us apart.

Online loan requirements and eligibility requirements.
* You need to be a resident of Sri Lanka.
* Age from 20 to 60 years old, currently employed, or have a steady income.
* Please provide your personal information and bank account information correctly.
* To verify your identity, you have to include a photo of your National Identity Card.

Get cash instantly with the loan app.
* Easy access 24/7
* It has quick and easy to sign up.
* No paperwork was required.
* Low fees and flexible payment terms are available as you repay.

Guide to applying for a loan on the CashX Lite app.
* Download loan app
* Sign up for a loan app on your phone.
* Complete the necessary information.
* Leave a request
* Wait for approval
* Get money to account

At CashX Lite, your privacy and security are our top priorities. We use advanced encryption technology to ensure that your personal data is fully protected. Rest assured, we never share your information with third parties without your explicit consent.

CashX Lite is a legally registered company under the Department of Company Registrar in Sri Lanka. Applying for a loan is quick and easy — simply complete our online application form.

Within just a few minutes, the approved loan amount will be transferred directly to your bank account.

Legal information:
A V Business Solution Pvt Ltd (operating under the brand name CashX), a Limited Liability Company registered at the Department of Company Registrar and operating under the laws of the Democratic Socialist Republic of Sri Lanka, having registration No. [PV00211145] and registered address at 47 Alexandra Place Colombo 7, Sri Lanka.

LOAN RATES AND FEES
* MINIMUM loan repayment period: 62 days
* MAXIMUM loan repayment period: 90 days
* MINIMUM annual interest rate: 136.4%
* MAXIMUM annual interest rate: 260.0%

Representative loan example:
You apply for Rs. 10,000.00 and choose comfortable repayment over 70 days, interest rate is 2.2% per day, so your total cost of the loan will be Rs. 25,400.00 per 70 days in one repayment (principal rate: Rs. 10,000.00 + interest rate: Rs. 15,400.0).

Privacy Policy https://cashx.lk/en/privacy-policy/ CashX Lite - online loan app , a leading app in the Finance Apps category, boasts a robust user base with a total of 207M installs. It sees impressive engagement with 40M monthly installs and 807K daily installs, reflecting its popularity and usability. The app generates significant monthly revenue, indicative of its effective monetization strategies and user satisfaction. The app supports in-app purchases, allowing users to enhance their experience with additional features and content. CashX Lite - online loan app was first released June 02, 2025, and has been continually updated, with the latest update rolled out just April 13, 2026. This commitment to regular updates ensures that users always have access to the latest features and improvements. The app and is currently on version 1.62.0. CashX Lite - online loan app maintains a strong presence in the market, supported by numerous rating votes that attest to its reliability and effectiveness in helping users achieve their Top charts free play goals.

CashX - online loan Sri Lanka CashX Sri Lanka is a loan online provider which made its presence in Sri Lankan market in 2019 November.
CashX loan app is the simplest, quickest and most secure way to borrow money from your phone. Our app allows customers to quickly get an online cash loans at any time of day and any day of the week to account.
We created it especially for customers who want to get a loan from a phone or tablet, and not from a computer or laptop. It's easier to do this through the app than through a mobile browser.
Our target is to cater an exceptional service for the people who need funds for urgent requirements, and our competitive fee structure will make us special to you.
Criteria for getting an online loan and qualifications to apply:
Age from 20 to 60 years old, currently employed, or have a steady income.
Fill your personal information, bank account information correctly.
The telephone number you will use in the app should be registered on your name.
You have to enter a landline number at your place of work.
You have to include a photo of your National Identity Card, Passport, or Driving License to verify your identity.


Download the loan app - get cash instantly.
Easy access 24/7
Quick and easy sign up
No paperwork
Low fees and flexible payment terms as you repay


Step-by-step guide to applying for a loan on CashX app:
Download loan app
Register in mobile loan app
Fill in the required information
Leave a request
Wait for approval
Get money to account
SAFE AND SECURE LOANS
We encrypt the data you choose to share with us to protect your privacy. We take your privacy very seriously and promise to never share your information with third parties unless you have given us consent.
CashX is a registered company at the Department of Company Registrar. Customers can Apply for Cash Loans online by filling up an Online Application.
Approval can be finalized in a few minutes and you can get a cash loan in your account in no time.

A V Business Solution Pvt Ltd, a Limited Liability Company incorporated and operating under the laws of the Democratic Socialist Republic of Sri Lanka bearing registration No. [PV00211145] and having its registered address at 47 Alexandra Place Colombo 7, Sri Lanka

Online loan rates and fees:

MINIMUM loan repayment period: 62 days
MAXIMUM loan repayment period: 90 days
MINIMUM annual interest rate: 136.4%
MAXIMUM annual interest rate: 260.0%

Representative loan example:
You apply for Rs. 10,000.00 and choose comfortable repayment over 70 days, interest rate is 2.2% per day, so your total cost of the loan will be Rs. 25,400.00 per 70 days in one repayment (principal rate: Rs. 10,000.00 + interest rate: Rs. 15,400.0). CashX - online loan Sri Lanka , a leading app in the Finance Apps category, boasts a robust user base with a total of 1B installs. It sees impressive engagement with 50M monthly installs and 1M daily installs, reflecting its popularity and usability. The app generates significant monthly revenue, indicative of its effective monetization strategies and user satisfaction. The app supports in-app purchases, allowing users to enhance their experience with additional features and content. CashX - online loan Sri Lanka was first released February 24, 2021, and has been continually updated, with the latest update rolled out just April 13, 2026. This commitment to regular updates ensures that users always have access to the latest features and improvements. The app and is currently on version 1.62.0. With 117 reviews, CashX - online loan Sri Lanka maintains a strong presence in the market, supported by numerous rating votes that attest to its reliability and effectiveness in helping users achieve their Top charts free play goals.