Comparison

Nations Direct vs ComBank Q Plus Payment App

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

ComBank Q Plus Payment App

This app enables QR code-based payments globally, supporting Visa and MasterCard. Users can register up to five of their eligible cards to make fast and secure transactions by scanning a QR code, entering the amount, and their PIN. It also allows for transaction history inquiries and dispute resolution.

Highlights
  • QR code payments
  • Global payment support
  • Visa and MasterCard compatible
  • Card registration (up to 5)
  • Transaction history
  • Dispute resolution
Features
Read full description

Product of Commercial Bank of Ceylon PLC, Q+ is the future of QR based payments in Sri Lanka. This app could also be used around the world and supports both Visa and MasterCard QR Code payments. This app is not restricted to merchants of any particular bank, this could be used locally and globally to process QR based payments. Any of your COMBANK issued Credit, Debit or Prepaid card could be registered to make the payments through this app. MasterCard, Visa and Lanka Pay cards can be added to the app and you can add up to 5 cards to your app. Payments can be done by the click of a button. All you have to do is scan the QR and enter the amount and the PIN. Payments are process fast and secure. Transaction history inquiry can be done up to 06 months transactions. If there is a dispute about the payment transactions, such as duplicate posting, you can raise the dispute through the app.

Screenshots

Nations Direct4 screens
ComBank Q Plus Payment App4 screens

Verdict

The call

The clearest difference is rating: Nations Direct at 3.9 against ComBank Q Plus Payment App's 3.0. Nations Direct also leads on ratings volume (12 vs 4). ComBank Q Plus Payment App's advantage is review sentiment (25% vs 16%). On price, update cadence, ads and in-app purchases 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 3.0. Both are backed by a comparable volume of ratings — 12 and 4 respectively. Written reviews complicate that: 16% of Nations Direct's written reviews are positive against 25% of ComBank Q Plus Payment App's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Nations Direct ships an update every 2 months, ComBank Q Plus Payment App every 3 months. The most recent releases landed on November 2, 2026 and November 3, 2026 respectively.

Scorecard3 real differences · 7 level
Nations Direct versus ComBank Q Plus Payment App: the parameters behind the verdict, then further details
ParameterNations DirectComBank Q Plus Payment App
PriceFreeFree
Rating3.9 (12 ratings) — better3.0 (4 ratings)
Positive reviews16.1% of reviews25.0% of reviews — better
Number of ratings12 — better4
Update frequencyEvery 2 months — betterEvery 3 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.0 — better15.6
Further details — not scored
Size88 MB72 MB
Age rating4+4+
DeveloperNations Trust Bank PLCCommercial Bank of Ceylon PLC

Customer experience

Nations Direct

All ratings12 ratings
Positive75.0%
Neutral0.0%
Negative25.0%
Written reviews62 reviews
Positive16.1%
Neutral11.3%
Negative72.6%

ComBank Q Plus Payment App

All ratings4 ratings
Positive50.0%
Neutral0.0%
Negative50.0%
Written reviews4 reviews
Positive25.0%
Neutral0.0%
Negative75.0%

Bugs and requests

Nations Direct

Reported bugs

22 issues
  • App not working/functional
  • Cannot login
  • Forgotten username retrieval issues
  • Password rejected after reset
  • App regarded as not secure device
Show 17 more
  • App not working on older iPhones/iOS versions
  • App crashes when entering amount
  • Confirm button does nothing for payments
  • App stuck on splash screen
  • Login screen resets
  • App says update available but none shown
  • Insecure connection error
  • Login button hidden by keyboard
  • Forgot pin accidentally touched
  • App shuts down after registration/login
  • App keeps crashing when logging
  • App requires re-registration of device name
  • App not working after update
  • New update requires updating again
  • App doesn't scale on phone
  • Login issues after update
  • App not working for iPhone XS Max

Requested features

8 requests
  • Implement Face ID/Biometric login
  • Make password change optional with 2FA
  • Improve features compared to international apps
  • Allow deletion of registered billers
  • Show remarks on inter-account transfers
Show 3 more
  • Support for secure password managers (e.g., 1Password)
  • Auto-update functionality
  • Fix UI for newer devices (e.g., iPhone XR, iPhone XS Max)

ComBank Q Plus Payment App

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Nations Direct

No in-app purchases

None

ComBank Q Plus Payment App

No in-app purchases

Questions

Is Nations Direct free?
Nations Direct is free to download, with no in-app purchases.
Is ComBank Q Plus Payment App free?
ComBank Q Plus Payment App is free to download, with no in-app purchases.
Which has better reviews, Nations Direct or ComBank Q Plus Payment App?
Nations Direct is rated higher. Nations Direct averages 3.9 out of 5 from 12 ratings, while ComBank Q Plus Payment App averages 3.0 from 4 ratings.
Do Nations Direct or ComBank Q Plus Payment App have ads?
Neither Nations Direct nor ComBank Q Plus Payment App shows ads.
Which is updated more often, Nations Direct or ComBank Q Plus Payment App?
Nations Direct ships an update every 2 months, and ComBank Q Plus Payment App every 3 months. Most recently, Nations Direct was updated on November 2, 2026 and ComBank Q Plus Payment App on November 3, 2026.

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