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World MasterCard
| Joining Fee | Annual Fee | Indicative Rate (P.A) |
| Free | LKR 6,000/- | 18% |
|---|
Features
No joining fee – Joining fees waived off for all credit cards | 1st year Annual Fee of Main and Supplementary cards are waived off
No additional charges other than interest will be levied for World MasterCards | EMV Chip card with added security on transactions
Customer Service Call Center is available 24 x 7 | Cards are accepted at over 30 Million Merchant outlets and at over 3 Million ATMs globally
Free SMS alerts – Transaction details update on card members mobile phone | Special offers and seasonal discounts from leading merchant outlets
Interest free credit up to maximum of 51 days | Free travel insurance scheme
Pan Asia Black
| Joining Fee | Annual Fee | Indicative Rate (P.A) |
| Free | LKR 3,000/- | 18% |
|---|
Features
No joining fee | Enjoy one of the most competitive credit card interest rates in the market 18% p.a
Year-round discounts on selected merchant products/services | EMV Chip card for added security
Ability to convert any transaction above Rs.10,000/- to an 0% interest Installment Payment Plan
ATM cash advances through worldwide MasterCard ATM network | Free e-statement facility to the customer
Free SMS alerts facility for all customers transactions
Pan Asia Gold
| Joining Fee | Annual Fee | Indicative Rate (P.A) |
| Free | LKR 2,000/- | 18% |
|---|
Features
Transfer other bank credit card balances without additional charges | EMV chip card with added security
Get attractive discounts around the year with local merchants | Enjoy an array of international benefits
ATM cash advances through MasterCard ATM network worldwide | Free SMS alerts on your mobile
Up to 51 days credit period from the 1st day of the billing cycle
Enjoy the low interest rate of 18% p.a | No joining fee
Features
Worldwide acceptance at over 24 million merchant outlets
Withdraw cash anytime from over 2 million ATM’s worldwide
Purchases made easy
Special discounts from selected merchants
Personal Loans
| Indicative Rate (P.A) | Tenure | Max Loan Amount |
| 13.45% to 16.45% | Up to 8 Years | LKR 7,000,000 |
|---|
Features
Loans from Rs 100,000 up to Rs 7Mn
Flexibility in choosing the repayment period, from 12 to 96 months (maximum 8 years)
Freedom of applying jointly with your spouse or child provided the joint applicants earns a minimum monthly net remuneration of Rs. 30,000/-
No guarantor, security, collateral or prior bank account relationship required
Speedy processing | Repay in equal monthly installments or on a reducing balance basis
Swabhimana Personal Loan
| Indicative Rate (P.A) | Tenure | Max Loan Amount |
| 10.25% | Up to 12 Years | LKR 5,000,000 |
|---|
Features
Personal loans from Rs. 100,000 up to Rs. 5Mn | Repayment in equal monthly installments
Flexibility in choosing the repayment period of up to 12 years ( Repayment must be completed before retirement age limit)
Loan applicant and guarantors must have their monthly salaries depositing at the Pan Asia Bank branch where the loan was obtained.
Pawning & Ran Loans
| Indicative Rate (P.A) | Tenure | Max Loan Amount |
| 10.00% | Up to 12 Months | Refer Bank |
|---|
Features
Attractive interest rates | Repayment periods ranging from 1 to 12 months | Hassle free operations
Redemptions can be made in installments | No up front interest | 100% confidentiality | No handling charges
Ability to make part payments by you or by a person nominated by you without prior notice at any branch
Option to renew the advance by paying interest at any branch
Use of advanced technology to assess the value of your gold jewellery without any damages
Specially trained staff to cater to your needs | Provision of a detailed report of your payments and settlements on request
Free insurance cover for your valuables | Provision of maximum security and confidentiality
Aspire Education Loans
| Indicative Rate (P.A) | Tenure | Max Loan Amount |
| 16.45% | Up to 7 Years | LKR 7,500,000 |
|---|
Features
Parents & Siblings can apply for the loan
If the student is over 18 years of age, he/she should be included as a co-borrower
One year grace period on a case by case basis
Loans can be considered for the purposes of Enrollment and course fees, Registration and exam fees, University examination fees and accommodation, For child’s school admission fees, Purchasing a Laptop or a Desktop computer
Loans granted for all recognized Degrees in UGC approved private/semi government local universities and foreign universities (based in Sri Lanka & abroad) and recognized professional examinations.
Aspire Education loan - LK individuals
| Indicative Rate (P.A) | Tenure | Max Loan Amount |
| 16.45% | Refer Bank | LKR 7,500,000 |
|---|
Features
Parents & Siblings can apply for the loan | One year grace period on a case by case basis
If the student is over 18 years of age, he/she should be included as a co-borrower
Loans can be considered for the purposes of Enrollment and course fees, Registration and exam fees, University examination fees and accommodation, for child’s school admission fees, purchasing a Laptop or a Desktop computer
Loans granted to individuals who wish to complete recognized professionals exams, UGC approved Degrees, Masters and PhD programmes
Ranaviru Harasara
| Indicative Rate (P.A) | Tenure | Max Loan Amount |
| 9.95% to 14.25% | Up to 20 Years | LKR 4,000,000 |
|---|
Features
Preferential interest rates for Savings Accounts, Fixed Deposits and Foreign Currency Accounts
Visa Debit Card | Dedicated staff at all branches to serve Ranaviru customers
SMS and internet banking facility
Scholarship and gifts for Ranaviru children
10% bank contribution for your child’s deposit
A specialized banking services package tailor-made to members for the Sri Lankan armed services and their families.
Sammana Loans
| Indicative Rate (P.A) | Tenure | Max Loan Amount |
| 9.95% to 14.25% | Up to 10 Years | LKR 5,000,000 |
|---|
Features
Loans from Rs 100,000 up to Rs 7Mn | Flexibility in choosing the repayment period, from 12 to 96 months (maximum 8 years)
Freedom of applying jointly with your spouse or child provided the joint applicants earns a minimum monthly net remuneration of Rs. 30,000/-
No guarantor, security, collateral or prior bank account relationship required
Speedy processing | Repay in equal monthly installments or on a reducing balance basis
Ran Sammana
| Indicative Rate (P.A) | Tenure | Max Loan Amount |
| 10.00% | Up to 2 Years | LKR 200,000 |
|---|
Nivasa Home Loan
| Indicative Rate (P.A) | Tenure | Max Loan Amount |
| 12.95% to 14.00% | Up to 25 Years | LKR 25,000,000 |
|---|
Features
Attractive fixed interest rates | Speedy and courteous service
Minimum loan amount of 5 million and maximum amount of up to 25 million
Maximum repayment period of Up to 25 years (300 months)
You can obtain a Nivasa housing loan for purposes such as purchase a block of land or build a house, complete construction of a new house or for extensions/repairs to the existing house, repay a loan obtained from a recognized financial institution for housing purposes, purchase an apartment from a housing complex
Nivasa StepUp Housing Loan
| Indicative Rate (P.A) | Tenure | Max Loan Amount |
| Contact Bank | Up to 20 Years | Contact Bank |
|---|
Features
Extendable repayment options to start paying lower installments at the early stages of repayment and increase them gradually as the applicant’s income increases
Loan repayment period up to 20 years
Competitive variable interest rates
Condominium Investment Loans
| Indicative Rate (P.A) | Tenure | Max Loan Amount |
| 12.95% to 14.00% | Refer Bank | Refer Bank |
|---|
Features
Best way to profit from the rising condominium market
Pay only the interest during the construction period
Ability to sell the apartment and replay the capital at your convenience
Option of making unscheduled payments at your convenience without incurring pre settlement charges
Competitive variable interest rates
Pan Asia Bank Leasing
| Indicative Rate (P.A) | Tenure | Max Loan Amount |
| 9.00% to 11.00% | Up to 5 Years | Refer Bank |
|---|
Features
Facilities to purchase brand new, reconditioned or even registered vehicles for your personal or business requirements
Re finance your existing vehicles to meet your personal financial needs or for working capital requirements
Facilities to purchase machinery / equipment to grow your business
Lowest rates in the market | Service accessibility through our island wide branch network.
Vehicle upgrade option | Flexibility on personal guarantor requirements
Expertise in Leasing to advise and offer you the best possible solution.
Hassle free, fast and courteous service | Flexible repayment options
Network of lowest insurance premiums available in-house
Business Plus Leasing
| Indicative Rate (P.A) | Tenure | Max Loan Amount |
| 16.00% | Up to 8 Years | Refer Bank |
|---|
Features
One year repayment period
Unbelievable low monthly installments
Residual value applicable
Budget Plus Leasing
| Indicative Rate (P.A) | Tenure | Max Loan Amount |
| 11.00% | Up to 5 Years | Refer Bank |
|---|
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Savings Accounts
| Category | Indicative Rate (P.A) |
| Regular Savings | 2.50% to 3.00% |
|---|
Features
All you need is an initial Deposit Rs.1,000/- | You receive a VISA Debit card
You can withdraw money from any ATM which carries the Visa logo | SMS Banking facility
Internet Banking Facility | You can opt for a Pass Book or Monthly Bank Statement
Option of nominating a person to be the beneficiary of the account
Standing Orders are convenient to set up
Interest will be calculated on the daily balance and credited monthly
Current Accounts
| Category | Indicative Rate (P.A) |
| Personal Current Account | Contact Bank |
|---|
Features
Visa enabled ATM card | Cheque Book
Internet Banking | SMS Banking
Overdraft facility (Subject to credit approval)
Standing Orders facility
Utility Bill Payments
Champion Saver
| Category | Indicative Rate (P.A) |
| Special Savings | Up to 4.00% |
|---|
Features
Unlimited withdrawal are permitted without affecting the rate of interest
You receive an internationally recognized VISA Debit card
You can withdraw money from any ATM which carries the Visa or Lankapay logo
SMS alert service | You can opt for a Pass Book or Monthly Bank Statements
You can nominate a person to be the beneficiary of the account
Standing Orders are also available
All you need is an initial deposit of Rs.1,000/
Salary Saver
| Category | Indicative Rate (P.A) |
| Salary Savings | 3.00% to 3.75% |
|---|
Features
Credit Card - Joining fee waived off, and Annual fee waived off until the salary is remitted to the bank
No issuance fee for ATM / Debit Card
Personal Loans - 50% rebate on Personal Loan processing fee, and Approval for the loan should be subject to standard bank’s credit policy guidelines.)
Standing Orders - 50% off on execution fee from the normal tariff
Free Internet Banking and SMS Alert Facility
Blue Chip Money Market Savings
| Category | Indicative Rate (P.A) |
| Special Savings | Up to 6.25% |
|---|
Features
Sweep in sweep out facility between current account and Money Market savings account (applicable for accounts which do not have pre-approved Overdraft limits marked)
Customer statement / e-statement facility available as per the existing general banking process
No service charges will be applicable on the savings account however charges relating to current account operations will continue to apply ( Ex : cheque returns, OD fees will be charged to the account etc)
Mithuru MAX
| Category | Indicative Rate (P.A) |
| Children Savings | 3.50% to 3.75% |
|---|
Features
An Attractive gift scheme as the balance grows - Rs. 1,000/- Saving till, Rs. 2,000/- Pencil box, Rs. 5,000/- Lunch box & Water bottle (Hot & Cold).
An Attractive gift scheme as the balance grows - Rs. 10,000/- School bag, Rs. 25,000/- Kids scooter or Smart watch
An Attractive gift scheme as the balance grows - Rs. 50,000/- Remote controlled helicopter or bluetooth speaker, Rs. 100,000/- Wi-Fi drone or Bicycle
An Attractive gift scheme as the balance grows - Rs. 250,000/- Self-balancing scooter or Tab, Rs. 500,000/- Sony PlayStation (PS4) or Laptop
( The gifts will be issued until the minor reaches the age of 13 years )
Features
A 10% grant by the bank for each and every deposit you make to the child’s account
The 10% grant will be applicable when the account balance reaches Rs.5,001 or for an initial deposit of Rs.5000/- up until the child reaches the age of 12
Target Investment Plan
| Category | Indicative Rate (P.A) |
| Special Savings | 7.25% |
|---|
Features
Guaranteed Interest Rates / Returns - The higher interest rate agreed upon at the beginning of the plan will continue to apply throughout the investment period
Maximum Flexibility & Transparency - Customers can select an investment plan that yields the desired amount at maturity as per the grid below
A choice of 2, 3, 4 & 5 year investment periods
Half yearly e-statements will be sent to enable you to keep track of your investment
Sammana Savings
| Category | Indicative Rate (P.A) |
| Senior Citizens | 3.25% to 3.50% |
|---|
Features
Pension advance facility for a maximum of Rs 30,000 (Conditions apply) | Special personal loan facilities
Special discounts for medical testing, hospital charges, purchase of spectacles / hearings aids and selected insurance covers
Exempted from quarterly service charges | Customer statement / e-statement facility avaialble
VISA Debit Card | Withdraw money from any ATM which carries the Visa logo
SMS and internet banking facility
Fixed Deposits – preferential rate of 0.5% p.a above prevailing deposit rates
25th Anniversary Current Account
| Category | Indicative Rate (P.A) |
| Other Current Account | Contact Bank |
|---|
Features
Visa enabled ATM card | Cheque Book
Internet Banking | SMS Banking
Overdraft facility (Subject to credit approval)
Standing Orders facility
Utility Bill Payments
Fixed Deposits
| 1 Month | 2 Months | 3 Months |
| 3.50% | N/A | 5.00% |
|---|---|---|
| 6 Months | 12 Months (1Y) | 24 Months (2Y) |
| 5.25% | 6.00% | 6.25% |
Features
Apart from offering higher interest rates for Fixed Deposits, a Fixed Deposit at Pan Asia Bank is a highly secure investment since Pan Asia Bank is a licensed commercial bank which is regulated by the Central bank of Sri Lanka.
Ability to select a tenor from 1 month to 5 years | Ability to renew the deposit automatically
Ability to obtain cash back loans up to 90% of your Fixed Deposit to meet your emergency cash requirements.
Rising Fixed Deposits
| 1 Month | 2 Months | 3 Months |
| N/A | N/A | N/A |
|---|---|---|
| 6 Months | 12 Months (1Y) | 24 Months (2Y) |
| N/A | N/A | 6.50% to 7.84% |
Features
Helps you to increase your interest rate in line with the market rate increases and also safeguards you from the risk of interest rate decreases.
Maximum security for your deposit
A 2 year Fixed deposit where interest can only go up!
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Pan Asia Bank drives a project to rehabilitate tanks and anicuts in remote village to support local paddy farmers
Pan Asia Bank records impressive performance amidst challenges-Profit after Tax soars by 50% to post Rs. 1,356Mn
For the 1st time in Sri Lanka customers can now make Inland Revenue Department and Sri Lanka Ports Authority payments via Pan Asia Internet Banking
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