As I navigate daily life in Sri Lanka, I’ve noticed how mobile payment apps in Sri Lanka are transforming the way we conduct transactions. In 2025, these digital solutions have become essential for managing everything from shopping to paying bills, making financial interactions significantly easier and more efficient.
In this article, I’ll highlight my top ten mobile payment apps that are gaining traction across the island. Each app offers unique features designed to cater to a variety of user needs. Whether you’re a local resident or a traveler, these apps can enhance your payment experience. Let’s dive into the best options available!
1. Wise
If you’re looking for a payment app that’s fast, affordable, and trusted globally, Wise is the top choice for Sri Lanka. With Wise, I can send money to over 70 countries, including Sri Lanka, at the real mid-market exchange rate—no hidden fees or unfair markups. You’ll love its multi-currency account, which lets you hold, convert, and manage 40+ currencies effortlessly. The Wise debit card also makes spending abroad simple and cost-effective. Whether you’re supporting family, paying bills, or handling international transactions, Wise ensures your money moves securely and efficiently. Join millions of users and experience why Wise leads the way in global payments.
2. eZ Cash
eZ Cash is a Sri Lankan-based virtual wallet that lets users make an array of payments and manage their funds. It is one of the most used digital wallets in the country and has top-notch accessibility in Sri Lanka. Some of the best features of eZ Cash include bill payments, control of frequently used numbers, remittance transaction services, access to make donations, and much more. Moreover, eZ Cash users can also pay at stores using eZ Cash QR code payment feature to make contactless payments at any time.
3. FriMi
FriMi, a digital wallet launched by Nations Trust Bank, aims to provide financial solutions that make it easy for you to manage your finances. FriMi makes contactless payments and fund transfer easy and convenient for its users. Using this app, you can make payments through NFC, QR code, FriMi ID or tokens. Additionally, you can get Forex exchange rates and real-time currency conversion rates through FriMi as well. It is one of the best mobile payment apps in Sri Lanka.
4. mCash Mobile App
mCash is a mobile payment app released by Mobitel to make your digital life easy and convenient. Take advantage of the innovative and quick way to pay your utility bills or insurance payments in a matter of seconds. Moreover, to make purchases at retailers. Mobitel’s mCash is an easy, safe, efficient and quick way to make all your payments. Additionally, mCash allows you to withdraw funds without charge and transfer money to your friends as well.
5. DFCC Virtual Wallet
The DFCC Virtual Wallet is a cashless mobile payment app that allows users to conduct a variety of financial activities using their phones at any time or from any location. DFCC Virtual Wallet allows you to send money to other banks through CEFTS Sri Lanka. Moreover, you can add your DFCC credit card to see your credit limit, balance, due dates, monthly statements, and more. Furthermore, you can transfer funds with any DFCC bank account, send money to friends, and request money all from this app.
6. Upay
SDB bank’s mobile payment app, Upay, allows companies and consumers to conduct contactless payments quickly, efficiently, and safely through their cellphones. Simply attach your current bank accounts and credit cards to the Upay app to make purchases without needing to hand over your card or carry cash. Alongside making digital payments, you can also send or request money, pay bills, or buy tickets using this app.
7. Genie
Genie is a smartphone-based digital wallet that lets you access credit and debit cards, make contactless payments, and save money. Furthermore, users can pay bills, or recharge their phones in no time using this amazing app. Genie offers multiple payment options, including the scan & pay option, which allows customers to make payments at counters by just scanning QR codes. You can make payments using your bank account or your eZ cash wallet via Genie.
8. Epic Mobile Wallet
Epic Mobile Wallet turns your smartphone into a safe, electronic counterpart to your conventional wallet. It enables merchants to establish a payment option that is innovative and allows users to make payments in a way that is convenient for them. Additionally, Epic Mobile Wallet is also the only system that combines payer and payee functionality in a single app, thereby turning every wallet into a possible merchant. Some of the best features of this wallet include online and offline payments via phone numbers, NFC and QR codes.
9. iPay Sri Lanka
Use iPay Sri Lanka app to skip the stress of dealing with cash and credit cards on a daily basis. Simply authorize transactions from your smartphone to rapidly send or request money and conduct payments through one of the country’s best digital payment platforms. Moreover, iPay customers can perform payments and transactions on more than 10,000 retailers networked across Sri Lanka.
10. SOLO by HNB
SOLO by HNB is a digital wallet and mobile payment app launched by Sri Lanka’s HNB Bank. It serves as a one-stop shop for all of a customer’s digital payments needs. Use the SOLO app to payments via Mastercard or Visa cards. This app will enable users to make payments at merchant locations via QR codes.
11. Google Pay
Google Pay is a mobile payment app that was developed by Google and was first released in 2011. This app has been used to conduct in-app purchases, perform electronic payments and pay utility bills for over ten years now. Google Pay gives Android owners a lot of freedom and simplicity when it comes to making online purchases. In Sri Lanka, it is a very popular method to pay online due to the high number of Android users in the country.
Sri Lanka has a very competitive digital wallet and mobile payment industry, where many great domestic mobile payment apps are competing with each other. This is great news for consumers, as healthy competition between them keeps improving the quality and functionality of these apps, especially in the presence of international digital wallets like Google Pay.
