Cargills Bank Ltd

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Mastercard Gold

Free	LKR 2,250/-	26%
Joining Fee	Annual Fee	Indicative Rate (P.A)

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Quick and easy shopping with Contactless Payment technology

EMV compliant Chip and PIN technology for greater security

Up to 55 days of credit period

Attractive discounts & offers around the year with Cargills Bank Credit Cards

Worldwide ATM cash advances through Mastercard ATM network

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Mastercard Titanium

Free	LKR 3,400/-	26%
Joining Fee	Annual Fee	Indicative Rate (P.A)

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Quick and easy shopping with Contactless Payment technology

EMV compliant Chip and PIN technology for greater security

Up to 55 days of credit period

Attractive discounts & offers around the year with Cargills Bank Credit Cards

Worldwide ATM cash advances through Mastercard ATM network

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Mastercard Platinum

Free	LKR 4,900/-	26%
Joining Fee	Annual Fee	Indicative Rate (P.A)

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Quick and easy shopping with Contactless Payment technology

EMV compliant Chip and PIN technology for greater security

Up to 55 days of credit period

Attractive discounts & offers around the year with Cargills Bank Credit Cards

Worldwide ATM cash advances through Mastercard ATM network

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MASTERCARD ASCEND

Free	Free	26%
Joining Fee	Annual Fee	Indicative Rate (P.A)

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Features

Quick and easy shopping with Contactless Payment technology

EMV compliant Chip and PIN technology for greater security

Up to 55 days of credit period

Attractive discounts & offers around the year with Cargills Bank Credit Cards

Worldwide ATM cash advances through Mastercard ATM network

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SHOPPING DEBIT CARD

Contact Bank	LKR 750/-
Joining Fee	Annual Fee

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Quick and easy shopping with Contactless Payment technology

EMV compliant Chip and PIN technology for greater security

Access to over 3000 LankaPay connected ATMs & over 1 million ATMs globally through Cirrus, Maestro & Mastercard networks

Accepted over 38 million Mastercard merchant outlets

SMS alert on your transactions

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Personal Loans

Up to 18.00%	Up to 7 Years	LKR 7,500,000
Indicative Rate (P.A)	Tenure	Max Loan Amount

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We grant Loans for up to 5 Years for salaried and up to 7 Years for professionals.

We offer you very attractive variable and fixed interest rates

Salaried employees can enjoy loans up to Rs.5.0Mn. and professionals can go up to Rs.7.5Mn

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FLEXI DRAFT

Up to 18.00%	Up to 5 Years	Contact Bank
Indicative Rate (P.A)	Tenure	Max Loan Amount

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Attractive Interest Rate

Lowest monthly installment

Flexible Repayment Plans up to 5 Years

No early settlement fee for part and full settlement of the Loan

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Home Loans

Up to 16.25%	Up to 25 Years	LKR 50,000,000
Indicative Rate (P.A)	Tenure	Max Loan Amount

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We offer you attractive fixed and variable interest rates.

We charge lower legal fees for your loan.

If its construction you are looking at, we offer up to 80% of BOQ (for construction).

To buy a house, we help you by offering up to 75% of FSV.

To buy bare land, we offer you up to 60% of the FSV.

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Loan against Property

Up to 16.25%	Up to 15 Years	LKR 50,000,000
Indicative Rate (P.A)	Tenure	Max Loan Amount

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We bring you attractive fixed and variable interest rates.

We grant loans for up to 15 Years.

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Vehicle Loans

Up to 16.00%	Up to 7 Years	LKR 20,000,000
Indicative Rate (P.A)	Tenure	Max Loan Amount

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We grant Loans for up to 7 Years. | We bring you attractive Interest Rates.

We are ready to grant you Loan amounts from a minimum of Rs. 500,000 up to a maximum of 20,000,000.

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High Return Saver

Special Savings	Up to 6.00%
Category	Indicative Rate (P.A)

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You get an amazing Interest rate.

We calculate your interest for the days’ end balance and not on the average balance, which is then added to your account at the end of the month.

You can simply open an account with an Initial deposit of just Rs. 1,000/-.

You can access your account through over 3,500 Lankapay ATMs.

We offer you Monthly E-statements, which gives you added convenience. | Our online and mobile banking services give you ‘banking at your fingertips’.

You get 2 FREE ATM withdrawals, every month.

With ’Cargills Cash‘, you can now deposit, withdraw, send cash and even purchase goods, through over 426 Cargills Food City outlets, which are open from 8.00 to 10.00.p.m, 365 days of the year.

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Cargills Bank Salary Account

Salary Savings	Up to 5.00%
Category	Indicative Rate (P.A)

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Our interest rate slabs give you special interest rates, according to your days’ end account balance.

You can simply open an account, with an initial deposit of Rs. 1000/=.

You are entitled to a host of benefits, according to your salary range.

Our online and mobile banking services give, you ‘banking at your fingertips’.

With ’Cargills Cash‘, you can now deposit, withdraw, send cash and even purchase goods, through over 426 Cargills Food City outlets, which are open from 8.00 to 10.00.p.m, 365 days of the year.

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Podihitiyo Children’s Savings Account

Children Savings	Up to 7.50%
Category	Indicative Rate (P.A)

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Currently offers the best tiered interest rate on minor savings account in the market

Tiered interest rates

Interest accumulates on day-end (EOD) balance

With ’Cargills Cash‘, you can now deposit, withdraw, send cash and even purchase goods, through over 426 Cargills Food City outlets, which are open from 8.00 to 10.00.p.m, 365 days of the year.

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Cargills Cash Savings Account

Special Savings	3.00%
Category	Indicative Rate (P.A)

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For the first time in Sri Lanka, you can deposit and withdraw cash at any Cargills Food City outlet and purchase goods using your mobile phone.

You can Send Cash instantly to any mobile phone, and Withdraw Cash from any Cargills Food City outlet.

You get guaranteed Cash, at any Cargills Food City outlet.

You can access your bank account securely and instantly, anytime, anywhere and on any day.

You have the utmost convenience, whether you are at home or out shopping.

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Senior Citizen’s Savings

Senior Citizens	5.00%
Category	Indicative Rate (P.A)

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Having spent your whole life working, raising your kids and contributing to the economy and the success of this country, you deserve nothing less than dignity and respect.

To be able to spend your retirement in peace and comfort.

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Personal Foreign Currency Account

Resident Foreign Currency Accounts (RFC)	1.75%
Category	Indicative Rate (P.A)

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PFCA’s are an amalgamation of previous Resident Foreign Currency Accounts (RFC), Non-Resident Foreign Currency Accounts (NRFC), Resident Non- Nationals’ Foreign Currency Accounts (RNNFC) and Non-Resident Non-National Foreign Currency Accounts (NRNNFA).

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Outward Investments Account

Resident Foreign Currency Accounts (RFC)	Contact Bank
Category	Indicative Rate (P.A)

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Outward Investment Account(OIA) is a special account for resident investors in Sri Lanka to channel funds abroad for eligible overseas investments such as investment in Shares and debt securities of companies incorporated outside Sri Lanka, Units in regulated unit trusts, Sovereign Bonds issued by foreign governments and to set up overseas office.

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Inward Investments Account

Resident Foreign Currency Accounts (RFC)	Contact Bank
Category	Indicative Rate (P.A)

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IIA is an amalgamation of “Securities Investment Accounts” (SIAs) and “Special Foreign Investment Deposit Accounts” (SFIDAs) opened and maintained in foreign currencies and in Sri Lanka Rupees of previous Exchange Control Act.

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Abhimani Women’s Savings Account

Women's Saving	3.00%
Category	Indicative Rate (P.A)

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Free Branded “Abhimani” Debit Card

Processing Fees on Personal Loans – 25% waived from the prevailing tariff for the “Abhimani” Account holders who obtain loans for the purpose of education & wedding.

Free “Podihitiyo” minor savings account for the newborn babies with an initial deposit of LKR 1,000/- contributed by the Bank for “Abhimani” account holders who maintains a minimum balance of LKR 10,000/-, consecutively for 3 months.

Mobile & Internet Banking – Registration fee and first year annual fee fully waived.

SMS Alerts (setup & updates fee) – FREE

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CURRENT ACCOUNTS

Personal Current Account	Contact Bank
Category	Indicative Rate (P.A)

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Personalized cheque books immediately

Easy access to your account from anywhere you are, simply through our Mobile and Online Banking facility

Our “Cargills Cash” service that allows you the convenience of simply depositing to your account through over 477 Cargills Food City outlets islandwide, open from 8 to 10, 365 days of the year

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Fixed Deposits

7.00%	--	7.75%
1 Month	2 Months	3 Months
6 Months	12 Months (1Y)	24 Months (2Y)
8.00%	8.25%	10.50%

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Deposits can be opened with the tenures of 1, 3 and 6 Months and 1 to 5 years.

Option of withdrawing your interest at Maturity, Monthly, or to be capitalized for a further tenure.

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DIRIYA

--	--	--
1 Month	2 Months	3 Months
6 Months	12 Months (1Y)	24 Months (2Y)
--	5.60%	5.60%

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DIRIYA, is an investment plan account designed to set aside a fixed amount of savings every month (fixed monthly installment) to achieve a target amount at the end of an agreed period, which will help the customer to secure the future needs and confidence to take life with a firm financial foundation.

No Minimum Balance Fee

SMS Alert Free of Charge

IB & MB Free of Charge

Standing Instruction Setup Free of Charge

Customers can select the investment periods ranging from 1 – 10 years to start with their investment plan.

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