Comparison

Nations Direct vs People’s Wave

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Nations Direct

This app offers a comprehensive digital banking experience, providing secure and seamless access to financial services. Manage your accounts, track goals, and get support 24/7 with advanced security features.

Highlights
  • Single Sign On
  • Personal Financial Management
  • 24/7 Relationship Manager Support
  • Schedule Future Payments
  • Cash Advance from Credit Cards
  • Biometric Security
Features
Read full description

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. About us: Nations Trust Bank PLC is among the top 15 business establishments in Sri Lanka as ranked by Business Today. Stemming from its vision of “helping people and businesses by providing financial services and information to achieve their goals and aspirations in a sustainable way”, the Bank serves a diverse range of customers across both individual and corporate, with an enviable portfolio of banking and financial products and services. Strongly focused on digital empowerment through cutting-edge digital banking technologies, the Bank is a pioneer in many innovative customer centric banking solutions such as extended banking hours, and FriMi – Sri Lanka’s first digital banking experience. Delivering premium value, service and connecting its Card Members to rewarding experiences and opportunities Nations Trust Bank PLC is an issuer and sole acquirer of American Express Cards in Sri Lanka. The Bank operates 96 branches across the country and has an ATM network covering 127 locations and 48 Cash Deposit & Withdrawal Machines, plus more than 3,700 ATMs on the Lanka Pay Network. Nations Trust Bank is certified in ISO/IEC 27001:2013 Information Security Management Systems (ISMS) best practices, ensuring your Data security and Privacy. For more information, visit www.nationstrust.com/online-sec.

About

People’s Wave

Manage your finances conveniently from your smartphone. Check balances, transfer funds, pay bills, and access account details anytime, anywhere. Offers tools like loan calculators and digital tips for a seamless banking experience.

Highlights
  • Account balance checks
  • Fund transfers
  • Bill payments
  • Transaction history
  • Credit card management
  • Branch and ATM locator
  • Loan and pension calculators
Features
Read full description

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

Screenshots

Nations Direct4 screens
People’s Wave4 screens

Verdict

The call

The clearest difference is rating: Nations Direct at 3.9 against People’s Wave's 2.8. Nations Direct also leads on device support (3 vs 1). People’s Wave's advantage is ratings volume (36 vs 12). On price, review sentiment, update cadence and ads there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Nations Direct holds the better App Store score, 3.9 against 2.8. Both are backed by a comparable volume of ratings — 12 and 36 respectively. Written reviews point the same way: 17% of Nations Direct's written reviews are positive against 13% of People’s Wave's.

UpkeepUpdate frequency

Nations Direct ships an update every 2 months, People’s Wave every 3 months. The most recent releases landed on September 21, 2026 and September 9, 2026 respectively.

Scorecard3 real differences · 7 level
Nations Direct versus People’s Wave: the parameters behind the verdict, then further details
ParameterNations DirectPeople’s Wave
PriceFreeFree
Rating3.9 (12 ratings) — better2.8 (36 ratings)
Positive reviews16.7% of reviews — better12.8% of reviews
Number of ratings1236 — better
Update frequencyEvery 2 months — betterEvery 3 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS15.0 — better16.0
Further details — not scored
Size88 MB47 MB
Age rating4+4+
DeveloperNations Trust Bank PLCPeople's Bank of Sri Lanka

Customer experience

Nations Direct

All ratings12 ratings
Positive75.0%
Neutral0.0%
Negative25.0%
Written reviews60 reviews
Positive16.7%
Neutral11.7%
Negative71.7%

People’s Wave

All ratings36 ratings
Positive38.9%
Neutral13.9%
Negative47.2%
Written reviews39 reviews
Positive12.8%
Neutral5.1%
Negative82.1%

In-app purchases

None

Nations Direct

No in-app purchases

None

People’s Wave

No in-app purchases

Questions

Is Nations Direct free?
Nations Direct is free to download, with no in-app purchases.
Is People’s Wave free?
People’s Wave is free to download, with no in-app purchases.
Which has better reviews, Nations Direct or People’s Wave?
Nations Direct is rated higher. Nations Direct averages 3.9 out of 5 from 12 ratings, while People’s Wave averages 2.8 from 36 ratings.
Do Nations Direct or People’s Wave have ads?
Neither Nations Direct nor People’s Wave shows ads.
Which is updated more often, Nations Direct or People’s Wave?
Nations Direct ships an update every 2 months, and People’s Wave every 3 months. Most recently, Nations Direct was updated on September 21, 2026 and People’s Wave on September 9, 2026.

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