LB CIM vs NDB Neos
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
LB CIM
Manage your finances digitally with this comprehensive app. Open accounts, apply for loans, track payments, and transfer funds seamlessly. It offers a secure, AI-powered platform for all your financial needs.
- Digital onboarding
- Fixed deposits and savings accounts
- Instant personal and business loans
- Loan and deposit tracking
- Fund transfers
- Bill payments
- AI-powered lending
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LB CIM – So Simple. So Powerful. Welcome to the new LB CIM App — your digital finance lifestyle companion. Reimagined with a modern design and powered by AI, LB CIM brings everything together in one secure, seamless experience. Whether you're saving, borrowing, or making everyday payments, LB CIM puts the power of financial control in your hands. ________________________________________ Key features • Fully digital onboarding — no branch visits required • Open and manage fixed deposits and savings accounts from anywhere • Apply for instant personal and business loans • Get instant loans against your fixed deposits • Access gold loan and business loan top-ups instantly • Track and manage your loans, leases, and deposits • Download your WHT certificate directly from the app • Schedule payments and receive reminders • Transfer funds to any bank or CIM Wallet • Top up your CIM Wallet from your linked bank account • Pay utility bills, reload mobile, settle credit cards, and insurance premiums • Scan and pay securely using LankaQR • View all your financial activity in one smart dashboard ________________________________________ Smarter lending with AI Our AI-powered credit scoring provides real-time loan decisions and tailored offers. Apply digitally, sign digitally — get disbursed instantly. • Loans from Rs. 25,000 upwards • Top-ups for gold and business loans • Repayment terms: 3 to 24 months • 100% paperless experience ________________________________________ Eligibility • Sri Lankan citizen aged 18+ • Minimum monthly income: Rs. 25,000 • Verified CIM Wallet account ________________________________________ Documents required • NIC, passport, or driving license • Proof of address • Recent pay slips and bank statements ________________________________________ Representative loan example (24 months) • Loan amount: Rs. 150,000 • Interest: Rs. 71,834 • Processing fee: Rs. 3,000 • Stamp duty: Rs. 150 • In-hand amount: Rs. 146,850 • Total repayable: Rs. 221,856 • Monthly installment: Rs. 9,244 • APR: 24.03% Fees are deducted upfront. APR may vary by tenure. ________________________________________ Trusted and certified LB CIM is developed by LB Finance PLC, licensed by the Central Bank of Sri Lanka and secured by LankaPay and TechCERT. Deposits are insured under the CBSL Deposit Insurance Scheme. ________________________________________ Award-winning fintech innovation: • FITIS Digital Excellence Awards • NBQSA National ICT Awards • LankaPay Technnovation Awards • ICSDB Excellence Awards for Sustainable & Digital Business ________________________________________ LB CIM – So Simple. So Powerful. Your digital finance lifestyle, now in one app.
NDB Neos
Manage your finances on the go with a streamlined mobile banking experience. This app offers advanced technology and industry-leading security to handle all your financial needs, from transfers to statement downloads, all from your smartphone.
- Redesigned user interface
- Advanced banking technology
- Industry-leading security
- Manage finances anytime, anywhere
- Fund transfers
- Download statements
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Welcome to NEOS, the all new and upgraded mobile banking experience from NDB Bank - where innovation meets simplicity. Built for today's fast moving world, NEOS brings banking features to your fingertips so you can manage your money anytime, anywhere, without ever stepping into a branch. Enjoy a beautifully redesigned interface, advanced technology, and industry leading security. With NEOS, your entire financial world lives in one intelligent, customizable app. Why Choose NEOS ? Because your time, security and convenience matter the most to us. Whether you're transferring funds, or downloading your statements, NEOS makes every transaction smarter, faster, and simpler.
Screenshots
Verdict
The clearest difference is rating: LB CIM at 4.3 against NDB Neos's 3.6. LB CIM also leads on review sentiment (50% vs 25%) and update cadence (monthly vs every 3 months). On price, ratings volume, 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
LB CIM holds the better App Store score, 4.3 against 3.6. Both are backed by a comparable volume of ratings — 39 and 23 respectively. Written reviews point the same way: 50% of LB CIM's written reviews are positive against 25% of NDB Neos's.
LB CIM ships an update monthly, NDB Neos every 3 months. The most recent releases landed on September 21, 2026 and September 18, 2026 respectively.
| Parameter | LB CIM | NDB Neos |
|---|---|---|
| Price | Free | Free |
| Rating | 4.3 (39 ratings) — better | 3.6 (23 ratings) |
| Positive reviews | 50.0% of reviews — better | 25.0% of reviews |
| Number of ratings | 39 — better | 23 |
| Update frequency | Monthly — better | Every 3 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 15.0 — better | 15.6 |
| Further details — not scored | ||
| Size | 88 MB | 117 MB |
| Age rating | 12+ | 17+ |
| Developer | LB FINANCE PLC | National Development Bank |
Customer experience
LB CIM
NDB Neos
In-app purchases
LB CIM
No in-app purchases
NDB Neos
No in-app purchases
